TellerScore

Victoria City-County Employees Federal Credit Union is a federal credit union headquartered in Victoria, Texas, in business for about 66 years. At the end of Q2 2026 it reported $7.0M in total assets and $5.9M in member shares and deposits, with 1 office.

Victoria City-County Employees Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 124th. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (9/100, -0.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.74%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.06%
Earnings9/100
Return on assets (annualized): -0.27%
Funding & liquidity95/100
Loans ÷ shares: 65.0% · 0.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (85 → 80), mostly because the earnings component weakened by 27 points.

TellerScore
808487Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202485
Q4 202486
Q1 202587
Q2 202585
Q3 202583
Q4 202580
Q1 202684
Q2 202680
Net worth ratio
7.00%11.08%15.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.75%
Q3 202414.34%
Q4 202414.88%
Q1 202514.99%
Q2 202515.16%
Q3 202515.12%
Q4 202514.99%
Q1 202614.58%
Q2 202614.74%
Delinquent loans (60+ days)
0.00%0.24%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.14%
Q4 20240.00%
Q1 20250.03%
Q2 20250.04%
Q3 20250.21%
Q4 20250.49%
Q1 20260.00%
Q2 20260.06%
Return on assets
-0.27%0.21%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.70%
Q4 20240.52%
Q1 20250.62%
Q2 20250.40%
Q3 20250.32%
Q4 20250.26%
Q1 20260.19%
Q2 2026-0.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$7.0M14.74%0.06%-0.27%65.0%
Q1 202684$7.2M14.58%0.00%0.19%63.2%
Q4 202580$6.9M14.99%0.49%0.26%68.9%
Q3 202583$6.9M15.12%0.21%0.32%70.4%
Q2 202585$6.8M15.16%0.04%0.40%71.4%
Q1 202587$6.9M14.99%0.03%0.62%71.2%
Q4 202486$6.9M14.88%0.00%0.52%72.1%
Q3 202485$7.1M14.34%0.14%0.70%67.0%
Q2 202481$7.3M13.75%0.40%0.64%64.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.74%
52nd
Problem loans0.06%
82nd
Net charge-offs-0.04%
91st
Return on assets-0.27%
14th
Loans to deposits65.0%
41st
Uninsured deposits0.5%
58th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
80th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX83 out of 100, Strong$6.9M31.9%0.40%vs
Highway District 19 Employees Credit UnionCredit union Atlanta, TX73 out of 100, Strong$7.1M20.7%0.72%vs
Galveston Government Employees Credit UnionCredit union Dickinson, TX32 out of 100, Low$6.8M9.3%3.07%vs
Andrews School Federal Credit UnionCredit union Andrews, TX84 out of 100, Strong$6.7M28.2%0.47%vs
Sherwin Federal Credit UnionCredit union Portland, TX76 out of 100, Strong$6.6M34.4%0.00%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs

Deposit insurance

Is my money safe at Victoria City-County Employees Federal Credit Union?

Yes. Victoria City-County Employees Federal Credit Union is a federally insured credit union (NCUA charter #13672). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.5% of shares and deposits ($29K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Victoria City-County Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Victoria City-County Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
13672
RSSD ID
74681
Primary regulator
NCUA
Established
1960
Headquarters
205 N Bridge St Ste 111, Victoria, TX 77901
Employees
2

Quick answers

Victoria City-County Employees Federal Credit Union: common questions

Is Victoria City-County Employees Federal Credit Union NCUA insured?

Yes. Victoria City-County Employees Federal Credit Union is a federally insured credit union (NCUA charter #13672). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Victoria City-County Employees Federal Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Victoria City-County Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Victoria

InstitutionScoreAssetsCapitalProblem loansCompare
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Victoria Teachers Federal Credit UnionCredit union Victoria, TX88 out of 100, Very strong$18.0M33.0%0.08%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Victoria Federal Credit UnionCredit union Victoria, TX81 out of 100, Strong$9.4M12.8%0.04%vs
J.C.T. Federal Credit UnionCredit union Edna, TX80 out of 100, Strong$10.0M12.7%0.00%vs