BlastPoint's Credit Union Scorecard

VELOCITY

Charter #68359 · TX

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 27 in TX
View Mid-Market leaderboard →

VELOCITY has 5 strengths but faces 19 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 93.4% in tier
  • + Net Interest Margin 0.38% above tier average
  • + First Mortgage Concentration (%): Top 3.0% in tier
  • + Share Certificate Concentration (%): Top 9.3% in tier
  • + Net Worth Ratio: Top 9.6% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 4.8% in tier
  • - Indirect Auto Dependency: Bottom 13.8% in tier
  • - Membership Headwinds: Bottom 19.0% in tier
  • - Institutional Decline: Bottom 31.0% in tier
  • - Efficiency Drag: Bottom 84.3% in tier
  • - ROA 0.60% below tier average
  • - Efficiency ratio 7.85% above tier (higher cost structure)
  • - Delinquency rate 0.10% above tier average
  • - Member decline: -6.5% YoY
  • - Net Charge-Off Rate: Bottom 1.3% in tier
  • - Indirect Auto Concentration (%): Bottom 1.3% in tier
  • - Total Loans: Bottom 2.6% in tier
  • - Total Deposits: Bottom 3.0% in tier
  • - Loan Growth Rate: Bottom 3.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
  • - Average Member Relationship (AMR): Bottom 5.3% in tier
  • - Member Growth Rate: Bottom 6.0% in tier
  • - Total Assets: Bottom 7.3% in tier
  • - Loan-to-Share Ratio: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 71,624
-6.5% YoY+0.0% QoQ
 -25.8K 97,431
-2.4% YoY
 27,007
+3.4% YoY
 33,374
+5.7% YoY
 30%
Assets $1.1B
+3.8% YoY+1.8% QoQ
 $-656.0M $1.7B
+0.9% YoY
 $418.5M
+7.2% YoY
 $561.6M
+9.7% YoY
 Bottom 7.0% in tier
Loans $539.4M
-7.8% YoY-0.5% QoQ
 $-695.1M $1.2B
+0.5% YoY
 $298.6M
+5.4% YoY
 $397.0M
+8.8% YoY
 Bottom 2.3% in tier
Deposits $863.2M
+2.7% YoY+2.2% QoQ
 $-596.1M $1.5B
+0.9% YoY
 $347.2M
+7.2% YoY
 $477.3M
+9.7% YoY
 Bottom 2.6% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.1%
-62.1% YoY-7.2% QoQ
 -0.6% 0.7%
+20.9% YoY
 0.6%
+2.3% YoY
 0.7%
+15.9% YoY
 Bottom 5.6% in tier
NIM 3.7%
-0.3% YoY-0.8% QoQ
 +0.4% 3.3%
+9.2% YoY
 3.9%
+3.4% YoY
 3.8%
+5.1% YoY
 75%
Efficiency Ratio 81.9%
-0.3% YoY+0.1% QoQ
 +7.8% 74.1%
-9.5% YoY
 80.2%
-0.8% YoY
 79.7%
-3.3% YoY
 82%
Delinquency Rate 1.0%
-20.7% YoY+18.0% QoQ
 +0.1 0.9%
+6.2% YoY
 1.3%
+11.4% YoY
 1.3%
-2.1% YoY
 69%
Loan To Share 62.5%
-10.2% YoY-2.6% QoQ
 -22.3% 84.8%
-0.8% YoY
 71.4%
-2.7% YoY
 67.4%
-1.7% YoY
 Bottom 8.9% in tier
AMR $19,582
+5.3% YoY+1.1% QoQ
 $-10K $29,428
+2.4% YoY
 $17,599
+2.5% YoY
 $19,687
+2.0% YoY
 Bottom 5.0% in tier
CD Concentration 17.1%
+3.3% YoY-1.3% QoQ
 -11.9% 29.0% 21.2% 19.8% Bottom 9.0% in tier
Indirect Auto % 54.9%
-5.7% YoY-1.4% QoQ
 +36.6% 18.3% 7.1% 7.8% Top 1.1% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#115 of 123 • Top 93.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.27%
(Tier: 3.31%, National: 4.00%)
better than tier avg
123 of 378 Mid-Market CUs have this signature | 662 nationally
↑ Growing +38 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk
#5 of 85 • Bottom 4.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -6.55%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -7.81%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.99%
(Tier: 0.89%, National: 1.28%)
worse than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Indirect Auto Dependency

risk
#28 of 196 • Bottom 13.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.80%
(Tier: 6.83%, National: 3.54%)
worse than tier avg
Indirect Auto %: 54.92%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -6.55%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank worsening

Membership Headwinds

decline
#17 of 85 • Bottom 19.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.55%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Institutional Decline

decline
#10 of 30 • Bottom 31.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.07B
(Tier: $2.17B, National: $561.61M)
worse than tier avg
Member Growth (YoY): -6.55%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -7.81%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
30 of 378 Mid-Market CUs have this signature | 277 nationally
→ No prior data (30 CUs now) | New qualifier

Efficiency Drag

risk
#76 of 90 • Bottom 84.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.90%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.15% points
(Tier: 0.12% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): -6.55%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 302 peers in tier

Top Strengths (4 metrics)

10
First Mortgage Concentration (%)
balance_sheet
Value: 11.75%
Peer Median: -
#10 of 302 Top 3.0% in 1B-3B tier
29
Share Certificate Concentration (%)
balance_sheet
Value: 17.09%
Peer Median: -
#29 of 302 Top 9.3% in 1B-3B tier
30
Net Worth Ratio
risk
Value: 14.16%
Peer Median: -
#30 of 302 Top 9.6% in 1B-3B tier
75
Net Interest Margin (NIM)
profitability
Value: 3.66%
Peer Median: -
#75 of 302 Top 24.5% in 1B-3B tier

Top Weaknesses (12 metrics)

299
Net Charge-Off Rate
risk
Value: 1.85%
Peer Median: -
#299 of 302 Bottom 1.3% in 1B-3B tier
299
Indirect Auto Concentration (%)
balance_sheet
Value: 54.92%
Peer Median: -
#299 of 302 Bottom 1.3% in 1B-3B tier
295
Total Loans
balance_sheet
Value: $539.36M
Peer Median: -
#295 of 302 Bottom 2.6% in 1B-3B tier
294
Total Deposits
balance_sheet
Value: $863.20M
Peer Median: -
#294 of 302 Bottom 3.0% in 1B-3B tier
293
Loan Growth Rate
growth
Value: -7.81%
Peer Median: -
#293 of 302 Bottom 3.3% in 1B-3B tier
290
Loan-to-Member Ratio (LMR)
engagement
Value: $7,530
Peer Median: -
#290 of 302 Bottom 4.3% in 1B-3B tier
287
Average Member Relationship (AMR)
engagement
Value: $19,582
Peer Median: -
#287 of 302 Bottom 5.3% in 1B-3B tier
285
Return on Assets (ROA)
profitability
Value: 0.09%
Peer Median: -
#285 of 302 Bottom 6.0% in 1B-3B tier
285
Member Growth Rate
growth
Value: -6.55%
Peer Median: -
#285 of 302 Bottom 6.0% in 1B-3B tier
281
Total Assets
balance_sheet
Value: $1.07B
Peer Median: -
#281 of 302 Bottom 7.3% in 1B-3B tier
Link copied to clipboard!