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
Call Report peers
Victoria Teachers in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Victoria Teachers sits in 95-99 with 391 others.
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 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%).
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.
- One place up in Texas, TEXELL (#26) scores 96/100, 1 point higher; one place down, Corpus Christi Postal Employees (#28) ties at 95/100.
Victoria Teachers: 2025Q4 → 2026Q1
Victoria Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $18.0M (2025Q4) to $18.1M (2026Q1).
- Net-worth ratio shifted -0.17 pp (32.67% → 32.50%).
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
Victoria Teachers gives up 5 points in total. Loan-to-Share Ratio costs the most, 4.6 of its 15; Delinquency Rate and Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Victoria Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Victoria Teachers scores 95/100 (Excellent), with a 32.50% net worth ratio and 0.50% of loans delinquent. It ranks #302 of 4,374 nationally on health and #27 of 386 in Texas.
How does Victoria Teachers compare to other credit unions?
Victoria Teachers scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (32.50% vs 14.86%). Its widest shortfall is loan-to-share ratio (48.93% vs 59.80%).
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?
Victoria Teachers 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 Teachers's net worth ratio of 32.50% 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.