Velocity Community vs Tyndall
Comparing a Credit Union in Palm Beach Gard, FL with a Credit Union in Panama City, FL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Velocity Community ↗ Credit Union · Palm Beach Gard, FL · Est. 1958 | Tyndall ↗ Credit Union · Panama City, FL · Est. 1956 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Palm Beach Gard, FL | Panama City, FL |
| Total assets | $498.4M | $1.9B |
| Net worth ratio | 12.3% | 13.2% |
| Return on assets | 1.2% | 1.0% |
| Shares & deposits | — | — |
| Members | 25,149 | 103,332 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 107 | #2 of 107 |
| Established | 1958 | 1956 |
Velocity Community
- Assets: $498.4M
- Members: 25,149
- Capital ratio: 12.3%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #4 of 107
Tyndall
- Assets: $1.9B
- Members: 103,332
- Capital ratio: 13.2%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #2 of 107
Are both institutions federally insured?
Yes. Velocity Community is NCUA-insured and Tyndall is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Velocity Community or Tyndall?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Velocity Community scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Velocity Community safe?
Yes — Velocity Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Tyndall safe?
Yes — Tyndall is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Velocity Community vs Tyndall?
Velocity Community has a net worth ratio of 12.3%, placing it in the top 36% of $100M–1B peers. Tyndall's ratio is 13.2%, placing it in the top 17% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Velocity Community have compared to Tyndall?
The CFPB database shows 0 complaints against Velocity Community, and 0 complaints against Tyndall. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Velocity Community with other Credit Unions in Florida
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
