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
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
Victoria City-County Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Texas, Refugio County (#163) ties at 86/100; one place down, MY (#165) ties at 86/100.
Victoria City-County Employees: 2025Q4 → 2026Q1
Victoria City-County Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $6.9M (2025Q4) to $7.2M (2026Q1).
- Net-worth ratio shifted -0.41 pp (14.99% → 14.58%).
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
Victoria City-County Employees gives up 14 points in total. Member Growth costs the most, 14.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Victoria City-County Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Victoria City-County Employees scores 86/100 (Excellent), with a 14.58% net worth ratio and 0.49% of loans delinquent. It ranks #1,782 of 4,374 nationally on health and #164 of 386 in Texas.
How does Victoria City-County Employees compare to other credit unions?
Victoria City-County Employees scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (68.93% vs 63.60%). Its widest shortfall is net worth ratio (14.58% vs 19.06%).
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?
Victoria City-County Employees 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 City-County Employees's net worth ratio of 14.58% 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.