VICTORIA
Charter #3736 · VICTORIA, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.61% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.41% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.83% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 28th — a 65-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.85M | 93th pct | 28th pct |
| Members | 1,233 | 89th pct | 39th pct |
| Net worth ratio | 13.52% | 29th pct | 36th pct |
| Return on average assets | 0.86% | 67th pct | 64th pct |
| Net interest margin | 4.61% | 67th pct | 77th pct |
| Cost of funds | 1.15% | 70th pct | 74th pct |
| Loan-to-share | 67.09% | 60th pct | 57th pct |
| Delinquency 60+ days | 2.41% | 72th pct | 97th pct |
| Net charge-off ratio | 0.19% | 77th pct | 72th pct |
| Loan growth YoY | -2.79% | 62th pct | 46th pct |
| Share growth YoY | 1.98% | 65th pct | 46th pct |
| Efficiency ratio | 93.83% | 62th pct | 77th pct |
structural peer set hash: cd332eafc6aae0356bc83bbbd3b08eb1… (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.