Side-by-side · Q2 2026 data
Trax 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 | Trax Federal Credit Union | Velocity Community Credit Union |
|---|---|---|
| TellerScore | 64 | 74 (stronger) |
| Capital cushion | 80 (stronger) | 76 |
| Loan quality | 40 | 82 (stronger) |
| Earnings | 31 | 49 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 31st | 63rd |
| Total assets | $485.1M | $491.7M |
| Deposits / shares | $416.4M | $422.2M |
| Capital ratio | 12.98% (stronger) | 12.55% |
| Problem loans | 1.80% | 0.55% (stronger) |
| Net charge-offs | 1.79% | 0.30% (stronger) |
| Return on assets | 0.28% | 0.74% (stronger) |
| Loans ÷ deposits | 51.9% (stronger) | 85.2% |
| Uninsured deposits | 11.5% | 9.3% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.0% | — |
Velocity Community Credit Union has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Trax Federal Credit Union leads on 2 and Velocity Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.