Victoria Teachers Federal Credit Union is a federal credit union headquartered in Victoria, Texas, in business for about 71 years. At the end of Q2 2026 it reported $18.0M in total assets and $12.0M in member shares and deposits, with 1 office.
Victoria Teachers Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 53rd. Capital cushion contributes the most (100/100, 33.05%); earnings contributes the least (43/100, 0.58%).
TellerScore · Q2 2026
Scorecard
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 4 points (92 → 88), mostly because the earnings component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 89 |
| Q4 2024 | 89 |
| Q1 2025 | 89 |
| Q2 2025 | 92 |
| Q3 2025 | 91 |
| Q4 2025 | 86 |
| Q1 2026 | 86 |
| Q2 2026 | 88 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 29.60% |
| Q3 2024 | 30.94% |
| Q4 2024 | 31.91% |
| Q1 2025 | 31.65% |
| Q2 2025 | 32.51% |
| Q3 2025 | 33.03% |
| Q4 2025 | 32.67% |
| Q1 2026 | 32.50% |
| Q2 2026 | 33.05% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.93% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.11% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.65% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.98% |
| Q3 2025 | 0.93% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $18.0M | 33.05% | 0.08% | 0.58% | 48.9% |
| Q1 2026 | 86 | $18.1M | 32.50% | 0.01% | 0.31% | 47.4% |
| Q4 2025 | 86 | $18.0M | 32.67% | 0.50% | 0.79% | 48.9% |
| Q3 2025 | 91 | $17.8M | 33.03% | 0.03% | 0.93% | 49.3% |
| Q2 2025 | 92 | $17.9M | 32.51% | 0.00% | 0.98% | 50.9% |
| Q1 2025 | 89 | $18.2M | 31.65% | 0.01% | 0.67% | 49.0% |
| Q4 2024 | 89 | $18.0M | 31.91% | 0.93% | 1.65% | 50.5% |
| Q3 2024 | 89 | $18.3M | 30.94% | 0.93% | 1.59% | 48.1% |
| Q2 2024 | 81 | $18.8M | 29.60% | 1.40% | 1.11% | 46.6% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Linkage Credit UnionCredit union Waco, TX | 73 out of 100, Strong | $18.2M | 17.9% | 1.27% | vs |
| Southern Star Credit UnionCredit union Houston, TX | 57 out of 100, Moderate | $17.7M | 13.2% | 1.87% | vs |
| Txdot Credit UnionCredit union Abilene, TX | 81 out of 100, Strong | $18.2M | 17.2% | 0.54% | vs |
| 1st University Credit UnionCredit union Waco, TX | 65 out of 100, Moderate | $18.5M | 10.0% | 0.41% | vs |
| Ellis County Teachers and Employees Federal Credit UnionCredit union Waxahachie, TX | 97 out of 100, Very strong | $18.5M | 20.1% | 0.00% | vs |
| Marshall T & P Employees Federal Credit UnionCredit union Marshall, TX | 81 out of 100, Strong | $17.4M | 17.9% | 1.04% | vs |
Deposit insurance
Is my money safe at Victoria Teachers Federal Credit Union?
Yes. Victoria Teachers Federal Credit Union is a federally insured credit union (NCUA charter #10327). 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 0.3% of shares and deposits ($37K) 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 33.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Victoria Teachers Federal Credit Union lists 1 office in 1 city. Most locations:
- Victoria, TX (1)
Identity & history
Profile
- Legal name
- Victoria Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10327
- RSSD ID
- 787981
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- 2207 Wildwood St, Victoria, TX 77901
- Employees
- 4
Quick answers
Victoria Teachers Federal Credit Union: common questions
Is Victoria Teachers Federal Credit Union NCUA insured?
Yes. Victoria Teachers Federal Credit Union is a federally insured credit union (NCUA charter #10327). 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 Teachers Federal Credit Union's TellerScore?
88 out of 100 (Very 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 Teachers Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Victoria
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| NewFirst National BankBank El Campo, TX | 84 out of 100, Strong | $934.9M | 12.5% | 0.21% | vs |
| Cal-Com Federal Credit UnionCredit union Port Lavaca, TX | 83 out of 100, Strong | $225.8M | 12.5% | 0.09% | vs |
| Victoria Federal Credit UnionCredit union Victoria, TX | 81 out of 100, Strong | $9.4M | 12.8% | 0.04% | vs |
| Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX | 80 out of 100, Strong | $7.0M | 14.7% | 0.06% | vs |
| J.C.T. Federal Credit UnionCredit union Edna, TX | 80 out of 100, Strong | $10.0M | 12.7% | 0.00% | vs |