# VELOCITY COMMUNITY
PALM BEACH GARD, FL · NCUA charter 12458 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/velocity-community-12458

Who the members are: federal charter, community charter, organized 1958. 25,149 members of 175,000 potential (14.4% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $498.4M |
| Members | 25,149 (0.9% YoY) |
| Full-time staff | 92 |
| Net worth | $61.4M |
| Net worth ratio | 12.3% (p66 of band) |
| ROA (annualized) | 1.20% (p81 of band) |
| Total delinquency | 0.68% (p58 of band) |
| Net charge-offs (annualized) | 0.30% (p42 of band) |
| Loans / shares | 81% (p68 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.78% (p65 of band) |
| Operating expense / assets | 3.84% (p56 of band) |
| Vehicles % of loans | 40% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 147% (p71 of band) |
| Vehicle delinquency | 0.80% (p66 of band) |
| Vehicle NCO | 0.31% (p29 of band) |
| Repossessed % of vehicle book | 0.06% (p63 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 18% |
| Average share balance | $8,981 |
| Participations bought / yr | $79.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $64.7M |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $20,210 |
| Loans granted, annualized | $159.9M |

## Participation posture (from the same filings)

Bought $79.1M and sold $0 in the latest annualized quarter; $64.7M outstanding purchased (105.3% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 2 | 3rd-party paper>100% NW |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | delinquency rising, 3rd-party paper>100% NW |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2025-06 | 2 | assets shrinking | delinquency rising |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 3 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-07-10 [An Unforgettable Evening of Family Fun for Foster Kids in Palm Beach County - Newswire.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPQXJyczBEYVdvbE1uX0JqNlliNm95LTN3SmFMQ2ZUdDZ6dmhpay16UVR3M0dMODdPT1hIVGx3ZmtlejJJRXl6b3JXdnhLS3RuMzNFUjdpY3g2Z0ZPRUIxQXdoRVBvMzFGSE5iR0RzVEszWXdJa21uS1VkZlp1UjVlZm1JQ082RTd2TENqZEFDbURaU25iV3dzajVnNmlSQzdwSmZvQm9RU09uMjA?oc=5) · Newswire.com
- 2024-08-21 [Donations Still Open for PBC Food Bank’s Back-to-School Drive - Boca Raton Magazine](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOWnM2VWJXcjZKTVd5c2dHdm91SG1ySnRtOExMX0x1VVl5WXdJTUt5bFFCaU1CTTd4WDVYWHlmSWEyajcyVmxMRHk4TTZNZllSSDhQTDFZTXFKZmFuYTNCbVFlb2VZVzN4SlJic0YtMGV4dkJyMEdWclN1S3hzWW43aXdtVlRFOGVm?oc=5) · Boca Raton Magazine
- 2026-07-27 [Summer Fun and Bicycle Safety to Children in Foster Care - The Boca Raton Tribune](https://news.google.com/rss/articles/CBMisgFBVV95cUxNb1RORXJ6eGlLRjRIY0drMWhNUUdQekpTT3B2dTR4bmdGLVlhdzQtajVzbHdiTExkZG5aZ0pDc1dPU1d3TXpGOGVmazI1NFdQdDgwcGY5S00yZW5zQTJvLVc1NnZDMXBWV2lIbmVSRnBYOWs0cHZkb21LQ0N2cVN0Z0swTUZOVHNuWGozRkFHc1VVb1VEaVdNV1BLZjZKTnQxNmI1dlVRYk15T3VzYnB5YTBR?oc=5) · The Boca Raton Tribune
- 2015-10-15 [Statewide lacrosse tournament coming to Jupiter - The Palm Beach Post](https://news.google.com/rss/articles/CBMipgFBVV95cUxNcTc5QXVIOWdvY3lyT2wxMHJ3TzBPT1paamlrQzdSd1A5cjkwTWNvYldTa0dJSGFuUVViRHRoUGZGeVZ4VGRZT3VrOXB1bkNDYXhUUllBLXh3QUFBMHlyYWNGSlhPVmt2cmFQbHVTMXRpcTMybGFVUWJIdHY0RW1qcjNuREFkdUVEZ08tNWRaaHR5RlNySkNQQlhwTWNIOUptVElPNHln?oc=5) · The Palm Beach Post
- 2017-11-07 [Guy Heath Obituary - North Palm Beach, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxOdjh3bGt2cGt4Y01jb3U0dWVVellkaTRTY3JmWnYyYkdUejlVb1c4eTNIbjhWN2hEcDItcXNxcjlIY1FvQzFKU0ozcm5GREt0X0FOMVRvLTVNM3gzaXNzNFRrNExKQXFUTXdFdktRS29QbjRaa1BINDJMdC0zeFVrRUtkNEFDQXc?oc=5) · Dignity Memorial
- 2016-05-28 [Tackle powder-puff tradition lives on in South Florida - Orlando Sentinel](https://news.google.com/rss/articles/CBMinwFBVV95cUxObndGTUsyOHR2cWYzRi1PRVNzaERaZ21sWF9EOVlyMVd5QURFM2ZiM1NqY29iRHM2MGZuVlZUaDdFR1FPcmd1eGcxd2xwTHFvbTJRbkg0eXduYVp3RE1OZkpRWnZ1V2MzS0JrcTFXZk1fbHhFVDV2ejVTdXJqVTNTSmJ0ZDlnOTJBaC1KekdvY3F4dWZFMmo5TW9kWFJEcnM?oc=5) · Orlando Sentinel
- 2016-05-05 [Bartram girls lacrosse team wins state championship - St. Augustine Record](https://news.google.com/rss/articles/CBMitAFBVV95cUxNZEpDZVJ0bGEyRWM4ZzRtM2ZCczkySUgzaEU3M1UtaWxETjNSS25jVFQtZlJ1QUFnd1Jsbk80aXVZUUJrTVktQU9sNjJNQ0pSc0ZWX0JHdUp0dnFuallkUEVzcXR4eEVjaFRfaFp4ak1uT24xVnp4My1Va0RUZjVVN3M1RGJmdW50VWRMRUFBbUFKUDlGUWJXRlc2QlVmMXYtNHRNWWZOVHVnTHZCRXFqNERYRWo?oc=5) · St. Augustine Record
- 2024-11-15 [Jupiter football blanks Treasure Coast for first playoff win since 2004 - The Palm Beach Post](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNLVdkaXRJNTJjdTVRMko2VWxudTRqdTVNdTFqYjlHYXp2YXJNSEZPUHAzZGxQQmVJRE9sOVFicFhkczlIdVJTMkJPQmJWOC1kWmo3Ylh0d2VlZkdLamZobE54clFJRFpDaUhfazZ2R1JwUXBKczRBeWdsX0ZmX2lvMUZFbkV1LURLZW96N2VKQTR5c0kzd21jS0ZRTTFvTDJPYllEY3p2dUtiWEhBZzkxQnZZSUk0TFFLdUV3Yk52NU4xX1d1VUJ0elBiWTJTTnk3cVRiWWpGX2Jzamg1TGx4N1kyRFVkZVlmVGc?oc=5) · The Palm Beach Post

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12458 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/42.json (key "12458", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=12458
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide