Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
8870 Gazelle Dr
El Paso, TX 79925

One Source Credit Union is headquartered in El Paso and is the 123rd largest credit union in the state of Texas. It is also the 1,624th largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 34 employees and 11,618 members. One Source Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live, work, attend school or worship in El Paso County or Las Cruces. - See Details

Related Posts

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. One Source Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 One Source Credit Union had $741,000 in non-current loans and owned real-estate with $8.94 million in equity and loan loss allowances on hand to cover it. This gives One Source Credit Union a Texas Ratio of 8.29% 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 One Source Credit Union decreased dramatically from 13.58% as of March 31, 2013 to 8.29% as of March 31, 2014, resulting in a positive change of 38.98%.This indicates that the balance sheet and financial strength for One Source Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, One Source Credit Union has decreased its total deposits by -$1.37 million, resulting in -1.67% 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 One Source Credit Union has shown is 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. One Source Credit Union has $90.17 million in assets with $8.94 million in equity, resulting in a capitalization level of 9.92%, which is above average.

Institution Statistics

NCUA #2115
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$90.17 million
Loans$66.53 million
Deposits$80.58 million
Equity Capital$8.27 million
Loan Loss Allowance$673,000
Unbacked Noncurrent Loans$741,000
Real Estate Owned$0
Historic Data - March 2013
Assets$91.47 million
Equity Capital$8.53 million
Loan Loss Allowance$372,000
Unbacked Noncurrent Loans$741,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.47%
Return on Equity5.13%
Interest Income$1.11 million

Always verify rates and promotions with the bank or credit union. We are not One Source Credit Union, we are a rate comparison website and can not provide official rates or promotions.

One Source Credit Union Savings Account Rates

0.50%--IRA Savings
0.20%--Share Savings Account
0.20%--Club Account

One Source Credit Union Money Market Rates

0.50%$10k-Money Market Account

One Source Credit Union Checking Account Rates

0.30%--Gold Checking
0.20%--Silver Checking

One Source Credit Union CD Rates

1.56%$1k-60 Month Share Certificate
1.21%$1k-48 Month Share Certificate
1.11%$500-36 Month Share Certificate
0.95%$500-24 Month Share Certificate
0.75%$500-18 Month Share Certificate
0.55%$500-12 Month Share Certificate
0.55%$2k-24 Month Bump-it-Up Share Certificate
0.55%$50-12 Month Money Tree Share Certificate
0.45%$500-6 Month Share Certificate
0.25%$500-3 Month Share Certificate

One Source Credit Union IRA Rates

1.56%$2,500-60 Month IRA Certificate
1.21%$2,500-48 Month IRA Certificate
1.11%$500-36 Month IRA Certificate
0.95%$500-24 Month IRA Certificate
0.75%$500-18 Month IRA Certificate
0.55%$2,500-24 Month Bump-it-Up IRA Certificate
0.55%$500-12 Month IRA Certificate
0.45%$500-6 Month IRA Certificate

One Source Credit Union Locations
Branch Office8870 Gazelle DrEl Paso, TX 79925
Branch Office1375 E Boutz RdLas Cruces, NM 88001-5305
Branch Office5730 Cromo DrEl Paso, TX 79912