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Overview / Commentary
777 Walker St Ste 2400
Houston, TX 77002

People's Trust Credit Union is headquartered in Houston and is the 42nd largest credit union in the state of Texas. It is also the 475th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 87 employees and 25,696 members. People's Trust Credit Union has a B+ health rating.

Field of Membership Restrictions

a. Live, work, worship, or attend school in the Houston city limits b. Have a member of your immediate family or household that is currently a member of People’s Trust Federal Credit Union c. Work for a Select Employer Group - See Details

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Data for Q1 2014

Institution Health


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 People's Trust Credit Union had $2.53 million in non-current loans and owned real-estate with $39.79 million in equity and loan loss allowances on hand to cover it. This gives People's Trust Credit Union a Texas Ratio of 6.36% 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 People's Trust Credit Union experienced no significant changes from 4.15% as of March 31, 2013 to 6.36% as of March 31, 2014, resulting in a negative change of 53.28%. This indicates that the balance sheet and financial strength for People's Trust Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, People's Trust Credit Union has increased its total deposits by $2.44 million, resulting in 0.56% 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 People's Trust 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. People's Trust Credit Union has $478.52 million in assets with $39.79 million in equity, resulting in a capitalization level of 8.32%, which is average.

Institution Statistics

NCUA #177
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$478.52 million
Loans$257.23 million
Deposits$436.02 million
Equity Capital$37.78 million
Loan Loss Allowance$2.01 million
Unbacked Noncurrent Loans$2.43 million
Real Estate Owned$100,000
Historic Data - March 2013
Assets$472.20 million
Equity Capital$37.65 million
Loan Loss Allowance$4.00 million
Unbacked Noncurrent Loans$2.43 million
Real Estate Owned$124,000
Profit Margin - Quarterly
Net Interest Margin1.09%
Return on Assets0.49%
Return on Equity6.22%
Interest Income$3.57 million

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People's Trust Credit Union Savings Account Rates

0.25%--Roth IRA Contributory Savings
0.25%--Educational IRA Contributory Savings
0.25%--SEP IRA Contributory Savings
0.25%--Traditional IRA Contributory Savings
0.09%--Super Savings
0.01%--Access Savings

People's Trust Credit Union Money Market Rates

0.24%$100k-Premier Money Market
0.22%$100k-Gold Money Market
0.20%$100k-Classic Money Market

People's Trust Credit Union Checking Account Rates

0.05%--Legacy Checking (ATM Package)
0.05%--Legacy Checking (High Interest)
0.04%$2,500-Premier Checking

People's Trust Credit Union CD Rates

1.80%$100k-60 Month Term Share
1.56%$100k-48 Month Term Share
1.07%$100k-36 Month Term Share
0.76%$100k-24 Month Term Share
0.69%$100k-18 Month Term Share
0.56%$100k-12 Month Term Share
0.22%$100k-9 Month Term Share
0.20%$100k-6 Month Term Share
0.18%$100k-3 Month Term Share

People's Trust Credit Union IRA Rates

1.80%$100k-60 Month Conduit IRA Term Share
1.56%$100k-48 Month Conduit IRA Term Share
1.07%$100k-36 Month Conduit IRA Term Share
0.76%$100k-24 Month Conduit IRA Term Share
0.69%$100k-18 Month Conduit IRA Term Share
0.56%$100k-12 Month Conduit IRA Term Share
0.22%$100k-9 Month Conduit IRA Term Share
0.20%$100k-6 Month Conduit IRA Term Share
0.18%$100k-3 Month Conduit IRA Term Share

People's Trust Credit Union Locations
Branch Office200 N Dairy Ashford Rd LbbyHouston, TX 77079-1101
Branch Office650 W Bough Ln Ste 162Houston, TX 77024
Branch Office3333 Highway 6 S Ste EC-101Houston, TX 77082
Branch Office910 Louisiana StHouston, TX 77002
Branch Office3390 Sage RdHouston, TX 77056
Branch Office777 Walker St Ste 2400Houston, TX 77002