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

SPCO Credit Union is headquartered in Houston and is the 209th largest credit union in the state of Texas. It is also the 2,649th largest credit union in the nation. It was established in 1968 and as of March of 2014, it had grown to 11 employees and 4,789 members. SPCO Credit Union 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 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. SPCO Credit Union has a 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 SPCO Credit Union had $120,000 in non-current loans and owned real-estate with $4.09 million in equity and loan loss allowances on hand to cover it. This gives SPCO Credit Union a Texas Ratio of 2.94% 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 experienced no significant changes from 1.53% as of March 31, 2013 to 2.94% as of March 31, 2014, resulting in a negative change of 92.03%. This indicates that the balance sheet and financial strength for SPCO Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, SPCO Credit Union has increased its total deposits by $3.63 million, resulting in 11.92% 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 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 $38.39 million in assets with $4.09 million in equity, resulting in a capitalization level of 10.64%, which is above average.

Institution Statistics

NCUA #61438
Year Chartered1968
Primary Regulator
Assets and Liabilities
Assets$38.39 million
Loans$32.60 million
Deposits$34.07 million
Equity Capital$4.06 million
Loan Loss Allowance$26,000
Unbacked Noncurrent Loans$120,000
Real Estate Owned$0
Historic Data - March 2013
Assets$34.75 million
Equity Capital$4.01 million
Loan Loss Allowance$43,000
Unbacked Noncurrent Loans$120,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.11%
Return on Assets0.42%
Return on Equity3.94%
Interest Income$433,000

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SPCO Credit Union Locations
Branch Office12755 N Houston Rosslyn RdHouston, TX 77086
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