VICTORIA TEACHERS
Charter #10327 · Victoria, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 32.50% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.01% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 72nd — a 41-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VICTORIA TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.14M | 31th pct | 72th pct |
| Members | 1,391 | 20th pct | 51th pct |
| Net worth ratio | 32.50% | 99th pct | 79th pct |
| Return on average assets | 0.31% | 31th pct | 28th pct |
| Net interest margin | 3.66% | 41th pct | 38th pct |
| Cost of funds | 1.15% | 64th pct | 67th pct |
| Loan-to-share | 47.45% | 32th pct | 39th pct |
| Delinquency 60+ days | 0.01% | 11th pct | 11th pct |
| Net charge-off ratio | 0.66% | 78th pct | 70th pct |
| Loan growth YoY | -1.06% | 61th pct | 79th pct |
| Share growth YoY | 2.79% | 53th pct | 69th pct |
| Efficiency ratio | 81.78% | 54th pct | 59th pct |
structural peer set hash: b8050b53dd48ff9e8f69fe3a65680d16… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.