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Letter portraitLegal landscapeQuarterYTD

Victoria City-County Employees

Victoria, TX · Charter 13672

NCUA · 1 branch

Q2 2026

$7.0MAssets
$3.9MLoans
$5.9MShares
$1.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.27%, down 67 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.06% of loans (+3 bps YoY).
  • Capital: net worth / assets of 14.74%, down 42 bps from a year ago.
  • Funding: loans stand at 65.03% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.27%-67 bps YoY

Net Interest Margin (quarter, annualized)

3.81%-35 bps YoY

Efficiency Ratio (quarter, annualized)

107.49%+1,556 bps YoY

Net Worth / Assets

14.74%-42 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.52%0.62%0.40%0.32%0.26%0.19%-0.27%-67 bps
Return on Equity4.87%3.49%4.12%2.61%2.15%1.73%1.30%-1.83%-444 bps
Net Interest Margin4.25%4.40%4.10%4.16%4.13%4.06%3.76%3.81%-35 bps
Efficiency Ratio84.71%87.17%88.06%91.92%92.83%94.41%100.37%107.49%+1,556 bps
Growth
Asset Growth (YoY)-5.33%-4.67%-5.51%-6.97%-3.77%0.97%3.84%2.39%+936 bps
Loan Growth (YoY)10.28%4.20%8.45%1.32%0.22%-2.89%-7.39%-6.25%-757 bps
Share Growth (YoY)-7.11%-5.89%-6.85%-8.58%-4.59%1.63%4.32%2.92%+1,150 bps
Asset Quality
Delinquent Loans / Loans0.14%0.00%0.03%0.04%0.21%0.49%0.00%0.06%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.34%14.88%14.99%15.16%15.12%14.99%14.58%14.74%-42 bps
Net Worth / Assets14.34%14.88%14.99%15.16%15.12%14.99%14.58%14.74%-42 bps
Liquidity & Funding
Loans / Shares67.04%72.13%71.17%71.40%70.41%68.93%63.17%65.03%-636 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps