Side-by-side · Q2 2026 data
Tampa Bay Federal Credit Union vs Velocity Community Credit Union
Credit union
Velocity Community Credit Union
Palm Beach Gard, Florida · $100 million – $1 billion
Metric by metric
| Measure | Tampa Bay Federal Credit Union | Velocity Community Credit Union |
|---|---|---|
| TellerScore | 52 | 74 (stronger) |
| Capital cushion | 55 | 76 (stronger) |
| Loan quality | 41 | 82 (stronger) |
| Earnings | 39 | 49 (stronger) |
| Funding & liquidity | 67 | 75 (stronger) |
| Problem-loan coverage | 72 | 94 (stronger) |
| Peer percentile | 8th | 63rd |
| Total assets | $493.9M | $491.7M |
| Deposits / shares | $418.0M | $422.2M |
| Capital ratio | 10.49% | 12.55% (stronger) |
| Problem loans | 1.78% | 0.55% (stronger) |
| Net charge-offs | 0.98% | 0.30% (stronger) |
| Return on assets | 0.47% | 0.74% (stronger) |
| Loans ÷ deposits | 93.3% | 85.2% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 9.3% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
Velocity Community Credit Union has the higher TellerScore (74 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Tampa Bay Federal Credit Union leads on 1 and Velocity Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.