Victoria

VICTORIA, TX · 1 · Charter #3736 · www.victoriafcu.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
$8.9M
38th percentile
Members
1,244
44th percentile
Total loans
$5.3M
46th percentile
Total shares
$7.6M
40th percentile

Profitability

Return on assets
0.55%
38th percentile
Net interest margin
4.76%
77th percentile
Efficiency ratio
79.10%
25th percentile
Non-interest income ratio
22.26%
86th percentile

Capital & Risk

Net worth ratio
13.27%
39th percentile
Delinquency rate
2.35%
20th percentile
Net charge-off rate
0.23%
49th percentile
Loan-to-share
70.27%
64th percentile

Growth

Member growth YoY
0.40%
72th percentile
Asset growth YoY
-0.48%
38th percentile
Loan growth YoY
-0.37%
61th percentile
Share growth YoY
-1.50%
37th percentile

Operations

Members / branch
1,244
56th percentile
Assets / member
$7,129
32th percentile
Field of membership penetration
1.91%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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