Sep, 30, 2025 — VICTORIA TEACHERS FEDERAL CREDIT UNION is a federal credit union headquartered in VICTORIA, TX with 1 branch location and about $17.76 million in total assets. Opened 71 years ago in 1955, VICTORIA TEACHERS FEDERAL CREDIT UNION has about 1,366 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VICTORIA TEACHERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2207 Wildwood St VICTORIA, TX 77901-7363 |
| Phone: | (361) 576-3168 |
| Fax: | (361) 576-0924 |
| Website: | https://www.myvtfcu.com |
| Branches: | 1 branch locations |
| Members: | 1,366 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 10327 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $17,763,535 |
| CEO/Manager: | Paul Withey |
| Chairperson: | Tracy Funkhouser |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,954,092 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 878,470 |
| Unsecured Loans | 963,330 |
| Other Loans | 4,011,100 |
| TOTAL LOANS | 5,852,900 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -74,213 |
| Land And Building | 351,140 |
| Other Fixed Assets | 37,129 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 120,517 |
| All Other Assets | 0 |
| TOTAL ASSETS | 17,763,535 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 27,134 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 875,680 |
| Regular shares | 7,500,434 |
| All Other Shares & Deposits | 3,496,471 |
| TOTAL SHARES & DEPOSITS | 11,872,584 |
| TOTAL LIABILITIES | 11,899,718 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 5,863,817 |
| TOTAL EQUITY | 5,863,817 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 17,763,535 |
| INCOME & EXPENSE | |
| Loan Income | 296,342 |
| Investment Income | 358,278 |
| Other Income | 46,683 |
| Total Employee Compensation & Benefits | 172,286 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 289,860 |
| Non-operating Income & (Expense) | -7,000 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 19,577 |
| Cost of Funds | 98,821 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 124,100 |
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