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Overview / Commentary
P.O. Box 6750
Longview, TX 75608

East Texas Professional Credit Union is headquartered in Longview and is the 33rd largest credit union in the state of Texas. It is also the 411st largest credit union in the nation. It was established in 1953 and as of December of 2013, it had grown to 125 employees and 59,001 members. East Texas Professional Credit Union has a A health rating.

Field of Membership Restrictions

Must live or work in Anderson, Angelina, Northern Cherokee, Gregg, Harrison, Henderson, Nacogdoches, Rusk, Smith or Upshur county. Also open to those who are certified to work in education, health care, professional fields, government/social services or students in Camp County, Marion County, Panola County, City of Daingerfield in Morris county or City of Hughes Springs or Avinger City in Cass county (Student eligibility applies to students ages 17 or older) - See Details

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Data for Q4 2013

Institution Health


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, 2013 East Texas Professional Credit Union had $1.03 million in non-current loans and owned real-estate with $81.96 million in equity and loan loss allowances on hand to cover it. This gives East Texas Professional Credit Union a Texas Ratio of 1.26% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for East Texas Professional Credit Union experienced no significant changes from 1.03% as of December 31, 2012 to 1.26% as of December 31, 2013, resulting in a negative change of 21.92%. This indicates that the balance sheet and financial strength for East Texas Professional Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, East Texas Professional Credit Union has increased its total deposits by $4.03 million, resulting in 0.92% 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 East Texas Professional Credit Union has shown is above average.



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. East Texas Professional Credit Union has $526.57 million in assets with $81.96 million in equity, resulting in a capitalization level of 15.56%, which is excellent.

Institution Statistics

NCUA #67761
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$526.57 million
Loans$234.52 million
Deposits$440.93 million
Equity Capital$81.16 million
Loan Loss Allowance$795,000
Unbacked Noncurrent Loans$995,000
Real Estate Owned$36,000
Historic Data - December 2012
Assets$520.99 million
Equity Capital$77.71 million
Loan Loss Allowance$888,000
Unbacked Noncurrent Loans$995,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.53%
Return on Assets1.12%
Return on Equity7.3%
Interest Income$15.35 million

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East Texas Professional Credit Union Savings Account Rates

0.25%$10k-Share Savings Account
0.25%$100-Christmas Club Account
0.25%$25-IRA Savings Account
0.25%$25-Roth IRA Savings Account
0.05%$100-Vacation Club Account

East Texas Professional Credit Union Money Market Rates

0.40%$100k-Money Market Plus Account
0.10%$2k-Money Market Checking Account

East Texas Professional Credit Union Checking Account Rates

0.03%$1k-Checking (applicable accounts)
0.03%$1k-Advantage Checking Account

East Texas Professional Credit Union CD Rates

1.60%$1k-60 Month Share Certificate
1.30%$1k-48 Month Share Certificate
1.00%$1k-36 Month Share Certificate
0.75%$1k-24 Month Share Certificate
0.50%$1k-12 Month Share Certificate
0.50%$1k-18 Month Share Certificate
0.40%$1k-183 Day Share Certificate
0.25%$1k-91 Day Share Certificate

East Texas Professional Credit Union IRA Rates

1.00%$1k-36 Month IRA Share Certificate (Traditional,Roth)
0.75%$1k-24 Month IRA Share Certificate (Traditional,Roth)
0.50%$1k-12 Month IRA Share Certificate (Traditional,Roth)

East Texas Professional Credit Union Locations
Branch Office3502 W Loop 281Longview, TX 75604
Branch Office850 Rice RdTyler, TX 75703-3117
Branch Office409 E Loop 281Longview, TX 75605-7916
Branch Office305 S Alamo BlvdMarshall, TX 75670-4266
Branch Office1407 Cardinal StNacogdoches, TX 75961
Branch Office304 N Kilgore StKilgore, TX 75662-5826
Branch Office301 S Chestnut StLufkin, TX 75901-4905
Branch Office406 College DrLufkin, TX 75904-5702
Branch Office3801 Gilmer RdLongview, TX 75604-1132
Branch Office1201 Highland DrHenderson, TX 75652-5505