Federal credit union · Victoria, Texas · NCUA charter #10327
Victoria Teachers
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $18.0M
- Total assets
- 1,386
- Members
- 32.5%
- Net-worth ratio
Victoria Teachers scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.0M; members 1,386; net-worth ratio 32.50%; health rank #302 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#302 of 4,374 health · 2025Q4Victoria Teachers · health 95/100 · $18.0M · 2025Q4
- MEM 95/100
- RANK 32.5%
- PHOTO 0.50%
- BOOK 1.65%
- CHARTER $18.0M
- NCUSIF 1,386
- CAMELS #302/4,374
- HEALTH 1166
- NW 10327
Call Report peers
Victoria Teachers in the assets neighbourhood
Victoria Teachers's $18.0M assets sit next to 1166 ($18.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Victoria Teachers 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
95 Top 10% higher than 90% 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 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 vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 32.50% vs peer 14.86% (+17.64 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.87 pp (48.93% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Victoria Teachers in Texas
- In Texas, health place is #27 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Victoria Teachers is #266 of 386 in Texas.
- Texas membership ordinal: #290 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 Teachers: 2025Q4 → 2026Q1
Victoria Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $18.0M (2025Q4) to $18.1M (2026Q1).
- Net-worth ratio shifted -0.17 pp (32.67% → 32.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 32.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.50% | +17.64 pp |
| Delinquency Rate | 0.50% | -0.64 pp |
| Return on Assets | 1.65% | +0.95 pp |
| Member Growth | 5.16% | - |
| Loan-to-Share Ratio | 48.93% | -10.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Victoria Teachers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.1M | - |
| 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
Branch Location
Victoria Teachers operates a single office in Victoria, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Office (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.
- 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
Cross-state Call Report peers for Victoria Teachers
Victoria Teachers's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Victoria Teachers ranks #302 of 4,374 nationally on financial health and #27 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ellis County Teachers and Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ellis County Teachers and 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 Teachers financially healthy?
Victoria Teachers scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #302 of 4,374; by total assets it ranks #3,210 of 4,374 nationally (same basis as /rankings/largest); and #266 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 32.50% 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 32.50% 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.
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.