Federal credit union · Victoria, Texas · NCUA charter #10327
Victoria Teachers
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $18.0M
- Total assets
- 1,386
- Members
- 32.7%
- Net-worth ratio
Victoria Teachers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10327, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Victoria Teachers - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)69
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 32.67% 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 | 32.67% | 30% |
| Delinquency Rate | 0.50% | 25% |
| Return on Assets | 1.65% | 15% |
| Member Growth | 5.16% | 15% |
| Loan-to-Share Ratio | 48.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $18.0M | 1,386 |
| 2024Q4 | $18.0M | 1,318 |
| 2023Q4 | $18.9M | 1,234 |
Credit Union Details
- Charter Number
- 10327
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Victoria
- Data Quarter
- 2025Q4
What This Data Says About Victoria Teachers
Charter #10327, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Victoria Teachers, a federal credit union in Victoria, Texas with 1,386 members, $18.0M in total assets, and $5.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 95/100 (Excellent), helped by a net worth ratio of 32.67% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.50% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 48.93% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.65% on net income of $297K 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 5.16%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
- ELLIS COUNTY TEACHERS AND EMPLOYEESWAXAHACHIE, TX · $10M–$50M91Health
- COWBOY COUNTRYPREMONT, TX · $10M–$50M55Health
- 1ST UNIVERSITYWaco, TX · $10M–$50M76Health
- LINKAGEWACO, TX · $10M–$50M82Health
- ILA 1351La Porte, TX · $10M–$50M94Health
Compare Victoria Teachers vs ELLIS COUNTY TEACHERS AND 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 Teachers financially healthy?
Victoria Teachers scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 32.67% net worth ratio and a 0.50% delinquency rate.
How does Victoria Teachers compare to other credit unions?
On PlainCU's health composite, Victoria Teachers lands at 95/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Teachers?
Victoria Teachers 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 Teachers directly for the exact boundaries and application steps.
Is my money safe at Victoria Teachers?
Federal credit unions like Victoria Teachers 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 Teachers's net worth ratio of 32.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Victoria Teachers offer compared to banks?
Credit unions like Victoria Teachers 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 Teachers 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.