Side-by-side · Q2 2026 data
Raiz Federal Credit Union vs Velocity Credit Union
Metric by metric
| Measure | Raiz Federal Credit Union | Velocity Credit Union |
|---|---|---|
| TellerScore | 62 | 76 (stronger) |
| Capital cushion | 52 | 89 (stronger) |
| Loan quality | 68 | 81 (stronger) |
| Earnings | 62 (stronger) | 24 |
| Funding & liquidity | 59 | 97 (stronger) |
| Problem-loan coverage | 81 | 94 (stronger) |
| Peer percentile | 30th | 79th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $850.4M | $872.4M |
| Capital ratio | 10.21% | 13.92% (stronger) |
| Problem loans | 0.95% | 0.57% (stronger) |
| Net charge-offs | 1.12% (stronger) | 1.69% |
| Return on assets | 1.05% (stronger) | 0.10% |
| Loans ÷ deposits | 101.0% | 63.3% (stronger) |
| Uninsured deposits | 8.5% | 7.1% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.2% | 39.7% |
Velocity Credit Union has the higher TellerScore (76 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Raiz Federal Credit Union leads on 2 and Velocity Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.