Victoria Teachers

Victoria, TX · 1 · Charter #10327 · www.myvtfcu.com
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
$18.0M
59th percentile
Members
1,386
49th percentile
Total loans
$5.9M
49th percentile
Total shares
$12.1M
53th percentile

Profitability

Return on assets
0.97%
58th percentile
Net interest margin
4.06%
53th percentile
Efficiency ratio
66.94%
49th percentile
Non-interest income ratio
7.40%
43th percentile

Capital & Risk

Net worth ratio
32.67%
94th percentile
Delinquency rate
0.50%
57th percentile
Net charge-off rate
0.77%
22th percentile
Loan-to-share
48.93%
33th percentile

Growth

Member growth YoY
5.16%
94th percentile
Asset growth YoY
0.02%
41th percentile
Loan growth YoY
-3.36%
48th percentile
Share growth YoY
-0.34%
44th percentile

Operations

Members / branch
1,386
61th percentile
Assets / member
$12,990
76th percentile
Field of membership penetration
10.63%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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