TellerScore

Victoria Federal Credit Union is a federal credit union headquartered in Victoria, Texas, in business for about 86 years. At the end of Q2 2026 it reported $9.4M in total assets and $8.3M in member shares and deposits, with 1 office.

Victoria Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 118th. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (43/100, 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.77%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings43/100
Return on assets (annualized): 0.56%
Funding & liquidity98/100
Loans ÷ shares: 62.7% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.15%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).

TellerScore
607488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202472
Q4 202469
Q1 202588
Q2 202582
Q3 202582
Q4 202560
Q1 202663
Q2 202681
Net worth ratio
7.00%10.26%13.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.30%
Q3 202412.26%
Q4 202412.65%
Q1 202513.06%
Q2 202513.05%
Q3 202513.32%
Q4 202513.27%
Q1 202613.52%
Q2 202612.77%
Delinquent loans (60+ days)
0.00%1.20%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.00%
Q4 20240.50%
Q1 20250.00%
Q2 20250.14%
Q3 20250.00%
Q4 20252.35%
Q1 20262.41%
Q2 20260.04%
Return on assets
-0.58%0.33%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.58%
Q3 2024-0.32%
Q4 2024-0.19%
Q1 20251.24%
Q2 20250.69%
Q3 20250.54%
Q4 20250.55%
Q1 20260.87%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$9.4M12.77%0.04%0.56%62.7%
Q1 202663$8.8M13.52%2.41%0.87%67.1%
Q4 202560$8.9M13.27%2.35%0.55%70.3%
Q3 202582$8.7M13.32%0.00%0.54%70.4%
Q2 202582$8.9M13.05%0.14%0.69%66.3%
Q1 202588$8.8M13.06%0.00%1.24%64.0%
Q4 202469$8.9M12.65%0.50%-0.19%69.5%
Q3 202472$9.2M12.26%0.00%-0.32%66.2%
Q2 202469$9.1M12.30%0.20%-0.58%65.3%

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 ratio12.77%
37th
Problem loans0.04%
85th
Net charge-offs0.09%
58th
Return on assets0.56%
45th
Loans to deposits62.7%
44th
Uninsured deposits0.0%
63rd
Loan-loss reserves0.07%
73rd
Texas ratio0.2%
83rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Local 20 Ibew Federal Credit UnionCredit union Grand Prairie, TX23 out of 100, Low$9.4M6.0%3.62%vs
Sweetex Credit UnionCredit union Longview, TX94 out of 100, Very strong$9.4M39.4%0.00%vs
Neiman Marcus Group Employees Federal Credit UnionCredit union Dallas, TX77 out of 100, Strong$9.5M15.9%0.34%vs
E M O T Federal Credit UnionCredit union Abilene, TX78 out of 100, Strong$9.2M39.7%1.72%vs
Port Terminal Federal Credit UnionCredit union Houston, TX57 out of 100, Moderate$9.1M34.6%3.13%vs
Jackson County Federal Credit UnionCredit union Edna, TX72 out of 100, Strong$9.0M9.7%0.00%vs

Deposit insurance

Is my money safe at Victoria Federal Credit Union?

Yes. Victoria Federal Credit Union is a federally insured credit union (NCUA charter #3736). 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 0.0% of shares and deposits ($1K) 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 12.77%, 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 Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Victoria Federal Credit Union
Type
Federal credit union
NCUA charter #
3736
RSSD ID
402471
Primary regulator
NCUA
Established
1940
Headquarters
701 Sam Houston Dr., Victoria, TX 77901
Employees
4

Quick answers

Victoria Federal Credit Union: common questions

Is Victoria Federal Credit Union NCUA insured?

Yes. Victoria Federal Credit Union is a federally insured credit union (NCUA charter #3736). 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 Federal Credit Union's TellerScore?

81 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 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 City-County Employees Federal Credit UnionCredit union Victoria, TX80 out of 100, Strong$7.0M14.7%0.06%vs
J.C.T. Federal Credit UnionCredit union Edna, TX80 out of 100, Strong$10.0M12.7%0.00%vs