Federal credit union · Victoria, Texas · NCUA charter #13672
Victoria City-County Employees
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $6.9M
- Total assets
- 885
- Members
- 14.6%
- Net-worth ratio
Victoria City-County Employees scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.9M; members 885; net-worth ratio 14.58%; health rank #1,782 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,782 of 4,374 health · 2025Q4Victoria City-County · health 86/100 · $6.9M · 2025Q4
- BOOK 86/100
- CHARTER 14.6%
- NCUSIF 0.49%
- CAMELS 0.51%
- HEALTH $6.9M
- NW 885
- DELQ #1,782/4,374
- ROA n/a
- ASSETS 13672
Victoria City-County Employees carries $6.9M 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 City-County Employees 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
86 Top 43% higher than 57% 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 City-County Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13672 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Victoria City-County Employees
- Loan-to-Share Ratio leads the peer set - 68.93% here, 63.60% peer average (+5.33 pp).
- Net Worth Ratio trails the peer set - 14.58% here, 19.06% peer average (-4.48 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Victoria City-County Employees in Texas
- In Texas, health place is #164 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #328 of 386.
- Texas membership ordinal: #328 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.
Victoria City-County Employees: 2025Q4 → 2026Q1
Victoria City-County Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $6.9M (2025Q4) to $7.2M (2026Q1).
- Net-worth ratio shifted -0.41 pp (14.99% → 14.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.8 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for Victoria City-County Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.58% | -4.48 pp |
| Delinquency Rate | 0.49% | -1.32 pp |
| Return on Assets | 0.51% | +0.06 pp |
| Member Growth | -4.53% | - |
| Loan-to-Share Ratio | 68.93% | +5.33 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).
Victoria City-County Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.2M | - |
| 2025Q4 | $6.9M | 885 |
| 2024Q4 | $6.9M | 927 |
| 2023Q4 | $7.2M | 1,009 |
Credit Union Details
- Charter Number
- 13672
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Victoria
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Victoria City-County Employees runs one office.
| Office | City |
|---|---|
| Victoria City-County EFCU (Main Office) | Victoria, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
- GALVESTON GOVERNMENT EMPLOYEESDickinson, TX · $2M–$10M60Health
- LIGHT COMMERCEHOUSTON, TX · $2M–$10M75Health
- ANDREWS SCHOOLAndrews, TX · $2M–$10M67Health
- BROWNSVILLE CITY EMPLOYEESBROWNSVILLE, TX · $2M–$10M96Health
- HIGHWAY DISTRICT 19 EMPLOYEESATLANTA, TX · $2M–$10M81Health
Compare Victoria City-County Employees vs GALVESTON GOVERNMENT EMPLOYEES
Cross-state Call Report peers for Victoria City-County
Cross-state asset and health neighbours for Victoria City-County Employees - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Victoria City-County Employees ranks #1,782 of 4,374 nationally on financial health and #164 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Galveston Government Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Galveston Government Employees
- 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 City-County Employees financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Victoria City-County Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,782 of 4,374; by total assets it ranks #3,735 of 4,374 nationally (same basis as /rankings/largest); and #328 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.58% net worth ratio and 0.49% delinquency rate are the key drivers.
How does Victoria City-County Employees compare to other credit unions?
86/100 is Victoria City-County Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 City-County Employees?
Victoria City-County Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Victoria City-County Employees directly for the current list of qualifying groups.
Is my money safe at Victoria City-County Employees?
Federal credit unions like Victoria City-County Employees 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 City-County Employees's net worth ratio of 14.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Victoria City-County Employees offer compared to banks?
Credit unions like Victoria City-County Employees 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 City-County Employees 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.