Side-by-side · Q2 2026 data
Cypress Bank & Trust vs Velocity Community Credit Union
Credit union
Velocity Community Credit Union
Palm Beach Gard, Florida · $100 million – $1 billion
Metric by metric
| Measure | Cypress Bank & Trust | Velocity Community Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 68 | 76 (stronger) |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 71 (stronger) | 49 |
| Funding & liquidity | 62 | 75 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 75th | 63rd |
| Total assets | $256.8M | $491.7M |
| Deposits / shares | $219.3M | $422.2M |
| Capital ratio | 11.76% | 12.55% (stronger) |
| Problem loans | 0.00% (stronger) | 0.55% |
| Net charge-offs | 0.00% (stronger) | 0.30% |
| Return on assets | 1.26% (stronger) | 0.74% |
| Loans ÷ deposits | 76.6% (stronger) | 85.2% |
| Uninsured deposits | 34.9% | 9.3% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cypress Bank & Trust has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Cypress Bank & Trust leads on 5 and Velocity Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.