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National Credit Union Service Organization

VICTORIA FEDERAL CREDIT UNION

Dec, 31, 2023 — VICTORIA FEDERAL CREDIT UNION is a federal credit union headquartered in VICTORIA, TX with 1 branch location and about $8.87 million in total assets. Opened 84 years ago in 1940, VICTORIA FEDERAL CREDIT UNION has about 1,244 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 313189760
Name:VICTORIA FEDERAL CREDIT UNION
Address:
(Main Office)
701 Sam Houston Dr
VICTORIA, TX 77901-4522
Phone:(361) 578-2965
Fax:(361) 572-3401
Website:https://victoriafcu.org
Branches:1 branch locations
Members:1,244
Credit Union Type:Federal Credit Union
Charter Number:3736
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1940
Last Audited:Sep 01, 2023
FHLB Member:No
Low Income Designation:No
Assets:$8,874,855
CEO/Manager:Jennifer Ruiz
Chairperson:David Solis

Call Report

  • Payday Alternative Loans (PAL Loans)
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 596,957
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 133,298
 Unsecured Loans 914,993
 Other Loans 3,798,165
 TOTAL LOANS 4,846,456
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -20,802
 Land And Building 99,812
 Other Fixed Assets 29,429
 NCUSIF Deposit 77,579
 All Other Assets 0
  TOTAL ASSETS 8,874,855
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 29,384
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,298,063
 Regular shares 4,339,789
 All Other Shares & Deposits 2,062,952
  TOTAL SHARES & DEPOSITS 7,700,805
  TOTAL LIABILITIES 7,730,189
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 1,144,666
  TOTAL EQUITY 1,144,666
  TOTAL LIABILITIES, SHARES, & EQUITY 8,874,855
INCOME & EXPENSE  
 Loan Income 316,272
 Investment Income 96,307
 Other Income 37,492
 Total Employee Compensation & Benefits 201,894
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 336,109
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 29,202
 Cost of Funds 38,250
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -86,889
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