Federal credit union · VICTORIA, Texas · NCUA charter #3736
VICTORIA
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $8.9M
- Total assets
- 1,244
- Members
- 13.5%
- Net-worth ratio
VICTORIA scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.9M; members 1,244; net-worth ratio 13.52%; health rank #3,710 of 4,374; healthier than 15th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,710 of 4,374 health · 2025Q4VICTORIA · health 68/100 · $8.9M · 2025Q4
- NW 68/100
- DELQ 13.5%
- ROA 2.35%
- ASSETS -0.19%
- MEM $8.9M
- RANK 1,244
- PHOTO #3,710/4,374
- BOOK n/a
- CHARTER 3736
Call Report peers
VICTORIA carries $8.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VICTORIA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
VICTORIA - Share Insurance Coverage
Charter #3736's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
VICTORIA: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +6.67 pp (70.27% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -5.54 pp (13.52% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
VICTORIA in Texas
- In Texas, health place is #323 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #315 of 386 inside Texas ($8.9M reported).
- Member book place in Texas: #303 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for VICTORIA
VICTORIA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $8.9M (2025Q4) to $8.8M (2026Q1).
- Net-worth ratio shifted +0.25 pp (13.27% → 13.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.3 pts
- Return on Assets 2.8 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for VICTORIA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.52% | -5.54 pp |
| Delinquency Rate | 2.35% | +0.54 pp |
| Return on Assets | -0.19% | -0.64 pp |
| Member Growth | 0.40% | - |
| Loan-to-Share Ratio | 70.27% | +6.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.8M | - |
| 2025Q4 | $8.9M | 1,244 |
| 2024Q4 | $8.9M | 1,239 |
| 2023Q4 | $8.9M | 1,244 |
Credit Union Details
- Charter Number
- 3736
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- VICTORIA
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for VICTORIA.
| Office | City |
|---|---|
| Victoria Federal Credit Union (Main Office) | Victoria, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near VICTORIA
VICTORIA's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- VICTORIA ranks #3,710 of 4,374 nationally on financial health and #323 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jackson County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jackson County
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is VICTORIA financially healthy?
VICTORIA has a financial health score of 68/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,710 of 4,374; by total assets it ranks #3,616 of 4,374 nationally (same basis as /rankings/largest); and #315 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.52% and delinquency rate of 2.35%.
How does VICTORIA compare to other credit unions?
PlainCU's health composite puts VICTORIA at 68/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join VICTORIA?
VICTORIA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact VICTORIA directly for the exact boundaries and application steps.
Is my money safe at VICTORIA?
Federal credit unions like VICTORIA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. VICTORIA's net worth ratio of 13.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VICTORIA offer compared to banks?
Credit unions like VICTORIA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact VICTORIA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.