Federal credit union · VICTORIA, Texas · NCUA charter #3736
Victoria
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $8.9M
- Total assets
- 1,244
- Members
- 13.3%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)41
- Earnings (ROA)18
- Member growth63
- Liquidity (loan-to-share)100
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.27% | 30% |
| Delinquency Rate | 2.35% | 25% |
| Return on Assets | -0.19% | 15% |
| Member Growth | 0.40% | 15% |
| Loan-to-Share Ratio | 70.27% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Victoria
Victoria is a federal credit union headquartered in VICTORIA, Texas, serving 1,244 members with $8.9M in total assets and $5.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 68/100 (Good), anchored by a net worth ratio of 13.27% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #3736 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 70.27% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 2.35% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at -0.19% on net income of $-17033 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.40%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.27% 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 13.27% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.