Side-by-side · Q2 2026 data
San Antonio Citizens Federal Credit Union vs Velocity Community Credit Union
Credit union
San Antonio Citizens Federal Credit Union
San Antonio, Florida · $100 million – $1 billion
Credit union
Velocity Community Credit Union
Palm Beach Gard, Florida · $100 million – $1 billion
Metric by metric
| Measure | San Antonio Citizens Federal Credit Union | Velocity Community Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 60 | 76 (stronger) |
| Loan quality | 91 (stronger) | 82 |
| Earnings | 65 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 74th | 63rd |
| Total assets | $399.9M | $491.7M |
| Deposits / shares | $356.8M | $422.2M |
| Capital ratio | 11.02% | 12.55% (stronger) |
| Problem loans | 0.28% (stronger) | 0.55% |
| Net charge-offs | 0.26% (stronger) | 0.30% |
| Return on assets | 1.13% (stronger) | 0.74% |
| Loans ÷ deposits | 50.1% (stronger) | 85.2% |
| Uninsured deposits | 8.1% (stronger) | 9.3% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Antonio Citizens Federal Credit Union has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), San Antonio Citizens Federal Credit Union leads on 6 and Velocity Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.