Victoria Community Credit Union

Victoria Community Credit Union is headquartered in Victoria and is the 96^th largest credit union in the state of Kansas. It is also the 6,870^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to employees and 440 members. Victoria Community Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics VICTORIA COMMUNITY NCUA # 67817 BankRate Report View Year Chartered 1964 Employees 0 Primary Regulator Assets and Liabilities Assets $636,000 Loans $383,000 Deposits $540,000 Equity Capital $81,000 Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $18,000 Historic Data - December 2010 Assets $626,000 Equity Capital $86,000 Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $17,000 Profit Margin - Quarterly Net Interest Margin 6.08% Return on Assets -0.79% Return on Equity -6.17% Interest Income $25,000 Non-Interest Income $2,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Victoria Community Credit Union had $18,000 in non-current loans and owned real-estate with $89,000 in equity and loan loss allowances on hand to cover it. This gives Victoria Community Credit Union a Texas Ratio of 20.22% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Victoria Community Credit Union held steady from 18.09% as of December 31, 2010 to 20.22% as of December 31, 2011, resulting in a negative change of 11.83%. This indicates that the balance sheet and financial strength for Victoria Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Victoria Community Credit Union has increased its total deposits by $0, resulting in 0% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Victoria Community Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Victoria Community Credit Union has $636,000 in assets with $89,000 in equity, resulting in a capitalization level of 13.99%, which is excellent.

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