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
Call Report peers
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VICTORIA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VICTORIA sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Texas, St. Luke's Community (#322) scores 69/100, 1 point higher; one place down, COASTLIFE (#324) ties at 68/100.
Quarter path for VICTORIA
VICTORIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $8.9M (2025Q4) to $8.8M (2026Q1).
- Net-worth ratio shifted +0.25 pp (13.27% → 13.52%).
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
VICTORIA gives up 32 points in total. Delinquency Rate costs the most, 14.7 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is VICTORIA financially healthy?
On its 2025Q4 NCUA 5300 filing, VICTORIA scores 68/100 (Good), with a 13.52% net worth ratio and 2.35% of loans delinquent. It ranks #3,710 of 4,374 nationally on health and #323 of 386 in Texas.
How does VICTORIA compare to other credit unions?
VICTORIA scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (70.27% vs 63.60%). Its widest shortfall is net worth ratio (13.52% vs 19.06%).
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?
VICTORIA is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.