Credit Union Safety Analysis
Is Victoria City-County Employees Federal Credit Union Safe? Victoria, Texas
Based on its Q2 2026 NCUA 5300 call report, Victoria City-County Employees Federal Credit Union has a net worth ratio of 14.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.06%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Victoria City-County Employees Federal Credit Union's net worth ratio is 14.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.74%
- Delinquency ratio (60+ days) (Q2 2026): 0.06%
- Return on assets (Q2 2026): -0.73%
- Loan-to-share ratio (Q2 2026): 65.03%
Victoria City-County Employees Federal Credit Union (NCUA charter 13672, established 1960) reported $7.0M in assets and 866 members for Q2 2026 from Victoria, Texas. It ranks 321 of 377 credit unions in Texas by total assets. Total assets grew 2.4% from $6.8M on June 30, 2025. It has 47 fewer members than on June 30, 2025 (-5.1%). Its net worth ratio was down 0.42 percentage points from 15.16% on June 30, 2025. Used vehicle loans are its largest loan category, $1.8M of $3.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.06% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.58% for Q1 2026; 15.16% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.04% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.19% for Q1 2026; 0.17% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 63.17% for Q1 2026; 71.40% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.8M
- New vehicle loans: $1.3M
- Other secured non-real estate loans and lines of credit: $523K
- Other unsecured loans and lines of credit: $310K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.0M | 14.74% | 0.06% | -0.73% | 65.03% |
| March 31, 2026 | $7.2M | 14.58% | — | 0.19% | 63.17% |
| December 31, 2025 | $6.9M | 14.99% | 0.49% | 0.08% | 68.93% |
| September 30, 2025 | $6.9M | 15.12% | 0.21% | 0.19% | 70.41% |
| June 30, 2025 | $6.8M | 15.16% | 0.04% | 0.17% | 71.40% |
| March 31, 2025 | $6.9M | 14.99% | 0.03% | 0.62% | 71.17% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Victoria City-County Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13672) · FFIEC NIC profile (RSSD 74681)
Frequently asked questions
Is Victoria City-County Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Victoria City-County Employees Federal Credit Union's net worth ratio is 14.74%, above the 7% NCUA threshold for well capitalized.
Is Victoria City-County Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Victoria City-County Employees Federal Credit Union is a federally insured credit union (NCUA charter 13672): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Victoria City-County Employees Federal Credit Union's key safety ratios?
For Q2 2026, Victoria City-County Employees Federal Credit Union reports net worth 14.74%, delinquency 0.06%, ROA -0.73%, loan-to-share 65.03%.
What happens to my money if Victoria City-County Employees Federal Credit Union fails?
For Q2 2026, Victoria City-County Employees Federal Credit Union held $5.9M in shares and deposits for 866 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.