Concho Educators Federal Credit Union
Overview / Commentary
Concho Educators Federal Credit Union is headquartered in San Angelo and is the 147th largest credit union in the state of Texas. It is also the 1,836th largest credit union in the nation. It was established in 1941 and as of March of 2025, it had grown to 29 employees and 6,681 members at 3 locations. Concho Educators Federal Credit Union has a B health rating.
Field of Membership Restrictions
Concho Educators Federal Credit Union is open to employees and students of schools in the counties of Coke, Concho, Crockett, Irion, Schleicher, Sutton, Tom Green and Menard, and those who live, work, worship or attend school in Tom Green County.
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Concho Educators Federal Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 4684 |
| Year Chartered | 1941 |
| Employees | 29 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.35% |
| Return on Equity - YTD | 4.6% |
| Annual Interest Income | $954K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $99.3MM$98.7MM |
| Loans | Q1 2025vs Q1 2024 | $53.8MM$56.5MM |
| Deposits | Q1 2025vs Q1 2024 | $90.4MM$91MM |
| Equity Capital | Q1 2025vs Q1 2024 | $7.5MM$6.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $359K$201K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $191K$431K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |