Side-by-side · Q2 2026 data
Houston Police Federal Credit Union vs Velocity Credit Union
Metric by metric
| Measure | Houston Police Federal Credit Union | Velocity Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 77 | 81 (stronger) |
| Earnings | 65 (stronger) | 24 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 96th | 79th |
| Total assets | $1.0B | $1.1B |
| Deposits / shares | $879.8M | $872.4M |
| Capital ratio | 16.42% (stronger) | 13.92% |
| Problem loans | 0.70% | 0.57% (stronger) |
| Net charge-offs | 0.96% (stronger) | 1.69% |
| Return on assets | 1.12% (stronger) | 0.10% |
| Loans ÷ deposits | 53.5% (stronger) | 63.3% |
| Uninsured deposits | 4.3% (stronger) | 7.1% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 39.7% |
Houston Police Federal Credit Union has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Houston Police Federal Credit Union leads on 6 and Velocity Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.