Victoria City-County Employees

Victoria, TX · 1 · Charter #13672 · www.vccefcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.9M
32th percentile
Members
885
33th percentile
Total loans
$4.1M
38th percentile
Total shares
$5.9M
34th percentile

Profitability

Return on assets
0.26%
25th percentile
Net interest margin
4.06%
53th percentile
Efficiency ratio
81.41%
22th percentile
Non-interest income ratio
10.07%
53th percentile

Capital & Risk

Net worth ratio
14.99%
50th percentile
Delinquency rate
0.49%
58th percentile
Net charge-off rate
0.01%
73th percentile
Loan-to-share
68.93%
62th percentile

Growth

Member growth YoY
-4.53%
20th percentile
Asset growth YoY
0.97%
49th percentile
Loan growth YoY
-2.89%
50th percentile
Share growth YoY
1.63%
57th percentile

Operations

Members / branch
885
42th percentile
Assets / member
$7,835
37th percentile
Field of membership penetration
27.66%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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