Victoria City-County Employees
Victoria, TX · Charter 13672 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$7.0MAssets
$3.9MLoans
$5.9MShares
$1.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets in TX (rank 28 of 235).
- Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets in TX (rank 221 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.26%
Rank 210 of 235
Net Interest Margin
3.81%
Rank 128 of 235
Efficiency Ratio
107.38%
Rank 221 of 235
Equity / Assets
14.74%
Rank 111 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.26% | 0.17% | 0.57% | 1.10% | Beats 11% | 210 / 235 | | |
| Return on Equity | -1.75% | 1.03% | 4.30% | 7.58% | Beats 10% | 211 / 235 | | |
| Net Interest Margin | 3.81% | 3.32% | 3.89% | 4.35% | Beats 46% | 128 / 235 | | |
| Efficiency Ratio | 107.38% | 70.60% | 82.00% | 91.57% | Beats 6% | 221 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.20% | 0.59% | 1.14% | Beats 89% | 28 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.74% | 11.30% | 14.41% | 19.49% | Beats 53% | 111 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.74% | 11.30% | 14.41% | 19.49% | Beats 53% | 111 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.03% | 54.18% | 67.38% | 81.66% | 45th pctl | 129 / 235 | | |
| Loans / Assets | 55.29% | 43.80% | 56.63% | 68.64% | 47th pctl | 125 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |