VICTORIA CITY-COUNTY EMPLOYEES
Charter #13672 · Victoria, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.05% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 100.37% sits at the 87th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 48th — a 28-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 CITY-COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.15M | 81th pct | 54th pct |
| Members | 873 | 75th pct | 48th pct |
| Net worth ratio | 14.58% | 36th pct | 52th pct |
| Return on average assets | 0.19% | 40th pct | 26th pct |
| Net interest margin | 3.82% | 43th pct | 49th pct |
| Cost of funds | 0.77% | 59th pct | 44th pct |
| Loan-to-share | 63.17% | 56th pct | 54th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.05% | 16th pct | 16th pct |
| Loan growth YoY | -5.89% | 47th pct | 30th pct |
| Share growth YoY | 4.90% | 80th pct | 72th pct |
| Efficiency ratio | 100.37% | 73th pct | 87th pct |
structural peer set hash: a94965895e3a5cf3ed0e74619b62ee6e… (reproducible)
Closest structural peers
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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.