Vidor Teachers Federal Credit Union Vidor, Texas
Vidor Teachers Federal Credit Union is a federal credit union headquartered in Vidor, TX, established in 1973 (NCUA charter 21368), and it is regulated and insured by the NCUA. At Q2 2026 it reported 474 members and total assets of $3.3M (little changed from Q2 2025), the 352nd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 15.81% at Q2 2026, in the well capitalized band.
Also written as Vidor Teachers FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21368
- Headquarters
- Vidor, TX
- Established
- 1973
- Total assets, Q2 2026
- $3.3M
- Assets vs Q2 2025
- 0.0%
- Members, Q2 2026
- 474
- Net worth ratio, Q2 2026
- 15.81%
- Latest call report
- Q2 2026, NCUA 5300 · Vidor Teachers Federal Credit Union call report
- Asset rank in state
- 352nd of 377 in Texas
- Routing number
- 313189786
- Branches
- 1
It has 3 more members than on June 30, 2025 (+0.6%). Its net worth ratio was up 0.66 percentage points from 15.15% on June 30, 2025. Used vehicle loans are its largest loan category, $1.2M of $2.5M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Texas
Frequently asked about Vidor Teachers Federal Credit Union
How big is Vidor Teachers Federal Credit Union?
At Q2 2026 it reported total assets of $3.3M and 474 members.
Where is Vidor Teachers Federal Credit Union headquartered?
It is headquartered in Vidor, TX, United States.
When was Vidor Teachers Federal Credit Union founded?
It was established in 1973, per NCUA records.
Is Vidor Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21368): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Vidor Teachers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Vidor Teachers Federal Credit Union well capitalized?
Its net worth ratio was 15.81% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Vidor Teachers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.35% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Vidor, TX 77662
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1973
- NCUA Charter #
- 21368
- RSSD ID
- 418584
- Members
- 474
- Potential members
- 1,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.81% | 14.31% | 57th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.43% | 0.72% | 37th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.72% | 4.74% | 36th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.54% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 83.22% | 79.83% | 43rd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.11% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.65% | 4.70% | 47th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 88.35% | 58.92% | 89th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.3M total assets against $3.3M; $2.8M total shares and deposits against $2.8M; $2.5M total loans against $2.3M.
$525K net worth against $503K.
15.81% net worth ratio against 15.15%.
88.35% loan-to-share ratio against 80.81%.
0.43% return on assets against 0.40%; 2.72% return on equity against 2.62%.
2.54% net interest margin against 2.45%.
474 members against 471.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.81% | 0.43% | — | 88.35% |
| March 31, 2026 | 15.76% | 0.47% | — | 80.27% |
| December 31, 2025 | 15.82% | 0.85% | — | 83.75% |
| September 30, 2025 | 15.54% | 0.92% | — | 80.82% |
| June 30, 2025 | 15.15% | 0.40% | — | 80.81% |
| March 31, 2025 | 15.10% | 0.39% | 0.02% | 76.37% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.