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Overview / Commentary
12755 N Houston Rosslyn Rd
Houston, TX 77086

SPCO Credit Union is headquartered in Houston and is the 207th largest credit union in the state of Texas. It is also the 2,609th largest credit union in the nation. It was established in 1968 and as of December of 2013, it had grown to 9 employees and 4,830 members. SPCO Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be a Union Pacific Railroad employee or be an employee or owner of a Graphics related company in Harris County. Membership is also available to ALL who live, work, or worship within 10 miles of both SPCO CU offices. - See Details

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Data for Q4 2013

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. SPCO Credit Union has a low asset base.

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 SPCO Credit Union had $75,000 in non-current loans and owned real-estate with $4.04 million in equity and loan loss allowances on hand to cover it. This gives SPCO Credit Union a Texas Ratio of 1.86% 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 SPCO Credit Union decreased slightly from 2.47% as of December 31, 2012 to 1.86% as of December 31, 2013, resulting in a positive change of 24.84%.This indicates that the balance sheet and financial strength for SPCO Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, SPCO Credit Union has increased its total deposits by $3.72 million, resulting in 12.29% 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 SPCO Credit Union has shown is excellent.



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. SPCO Credit Union has $38.57 million in assets with $4.04 million in equity, resulting in a capitalization level of 10.48%, which is above average.

Institution Statistics

NCUA #61438
Year Chartered1968
Primary Regulator
Assets and Liabilities
Assets$38.57 million
Loans$32.68 million
Deposits$33.97 million
Equity Capital$4.02 million
Loan Loss Allowance$20,000
Unbacked Noncurrent Loans$75,000
Real Estate Owned$0
Historic Data - December 2012
Assets$34.74 million
Equity Capital$4.03 million
Loan Loss Allowance$57,000
Unbacked Noncurrent Loans$75,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.94%
Return on Assets-0.03%
Return on Equity-0.3%
Interest Income$1.58 million
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SPCO Credit Union Savings Account Rates

0.30%$25k-Regular Share Account
0.25%--Christmas Club Accounts

SPCO Credit Union Checking Account Rates

0.10%--On Track Checking Accounts

SPCO Credit Union CD Rates

1.56%$50k-5 Year CD
1.26%$50k-4 Year CD
1.06%$50k-3 Year CD
0.76%$1k$50k2 Year CD
0.50%$50k-1 Year CD
0.40%$50k-6 Month CD

SPCO Credit Union Locations
Branch Office12755 N Houston Rosslyn RdHouston, TX 77086
Branch Office5800 Wallisville RdHouston, TX 77020
Branch Office9800 Northwest Fwy Ste 100Houston, TX 77092
Branch Office2203 Timberloch Pl Ste 31The Woodlands, TX 77380-1150