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P.O. Box 10070
Corpus Christi, TX 78460

Suntide Credit Union is headquartered in Corpus Christi and is the 124th largest credit union in the state of Texas. It is also the 1,632nd largest credit union in the nation. It was established in 1956 and as of March of 2014, it had grown to 54 employees and 8,571 members. Suntide Credit Union's savings rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

We proudly announce the opening of our doors to anyone who lives, works, worships, or attends school in Corpus Christi and San Patricio County, Texas. For further information, please call or visit any one of our branch locations. - 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. Suntide 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 Suntide Credit Union had $1.31 million in non-current loans and owned real-estate with $10.95 million in equity and loan loss allowances on hand to cover it. This gives Suntide Credit Union a Texas Ratio of 11.98% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Suntide Credit Union experienced no significant changes from 7.14% as of March 31, 2013 to 11.98% as of March 31, 2014, resulting in a negative change of 67.90%. This indicates that the balance sheet and financial strength for Suntide Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Suntide Credit Union has increased its total deposits by $19.96 million, resulting in 33.86% 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 Suntide 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. Suntide Credit Union has $89.63 million in assets with $10.95 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

Institution Statistics

NCUA #68626
Year Chartered1956
Primary Regulator
Assets and Liabilities
Assets$89.63 million
Loans$64.95 million
Deposits$78.90 million
Equity Capital$10.20 million
Loan Loss Allowance$746,000
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$0
Historic Data - March 2013
Assets$68.63 million
Equity Capital$8.83 million
Loan Loss Allowance$419,000
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$15,000
Profit Margin - Quarterly
Return on Assets0.46%
Return on Equity4%
Interest Income$1.77 million
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Suntide Credit Union Savings Account Rates

2.00%--IRA Savings
0.85%$50k-Regular Shares

Suntide Credit Union CD Rates

1.25%--24 Month CD
1.00%--12 Month CD
0.85%--6 Month CD

Suntide Credit Union Locations
Branch Office1726 Braeswood DrCorpus Christi, TX 78412-4584
Branch Office101 S San Patricio StSinton, TX 78387-2414
Branch Office2141 Tuloso RdCorpus Christi, TX 78409-2124
Branch Office4401 S Staples StCorpus Christi, TX 78411-2601
Branch Office2141 Tuloso RdCorpus Christi, TX 78409