Federal credit union · Victoria, Texas · NCUA charter #13672
Victoria City-county Employees
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $6.9M
- Total assets
- 885
- Members
- 15.0%
- Net-worth ratio
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.
Victoria City-county Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth6
- Liquidity (loan-to-share)98
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.99% 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 | 14.99% | 30% |
| Delinquency Rate | 0.49% | 25% |
| Return on Assets | 0.51% | 15% |
| Member Growth | -4.53% | 15% |
| Loan-to-Share Ratio | 68.93% | 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 | $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
What This Data Says About Victoria City-county Employees
885 members and $6.9M in total assets sit behind Victoria City-county Employees, a federal credit union in Victoria, Texas, which posts a health score of 86/100 (Excellent) on the five-factor composite, with $4.1M in outstanding loans as of Q4 2025 and a net worth ratio of 14.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #13672 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 68.93% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.49% 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 tighter than peers. Return on assets stands at 0.51% on net income of $36K 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 -4.53%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.99% 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 14.99% 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.
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.