Victoria
Victoria, TX · Charter 3736 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$9.4MAssets
$5.2MLoans
$8.3MShares
$1.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets in TX (rank 25 of 235).
- Widest gap: efficiency ratio trails 83% of credit unions under $1B in assets in TX (rank 195 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.57%
Rank 118 of 235
Net Interest Margin
4.46%
Rank 50 of 235
Efficiency Ratio
94.89%
Rank 195 of 235
Equity / Assets
12.77%
Rank 141 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.17% | 0.57% | 1.10% | Beats 50% | 118 / 235 | | |
| Return on Equity | 4.49% | 1.03% | 4.30% | 7.58% | Beats 52% | 112 / 235 | | |
| Net Interest Margin | 4.46% | 3.32% | 3.89% | 4.35% | Beats 79% | 50 / 235 | | |
| Efficiency Ratio | 94.89% | 70.60% | 82.00% | 91.57% | Beats 17% | 195 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.20% | 0.59% | 1.14% | Beats 90% | 25 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.77% | 11.30% | 14.41% | 19.49% | Beats 40% | 141 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.77% | 11.30% | 14.41% | 19.49% | Beats 40% | 141 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.72% | 54.18% | 67.38% | 81.66% | 40th pctl | 141 / 235 | | |
| Loans / Assets | 55.00% | 43.80% | 56.63% | 68.64% | 46th pctl | 127 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |