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SPCO Credit Union


Overview / Commentary
spcocu.org
713-455-8586
12755 N Houston Rosslyn Rd
Houston, TX 77086

SPCO Credit Union is headquartered in Houston and is the 204th largest credit union in the state of Texas. It is also the 2,608th largest credit union in the nation. It was established in 1968 and as of March of 2021, it had grown to 6 employees and 3,190 members at 1 location. SPCO Credit Union has a B health rating.

Field of Membership Restrictions

SPCO Credit Union membership is open to employees of Union Pacific Railroad, and any owner or employee (and their family) of a graphics-related company in Harris County, TX. Eligibility also extends to anyone who lives, works, attends school or congregates regularly within a 10-mile radius of any of the credit union's offices.
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Health
B

Data as of Q1 2021

Learn why bank health matters
Additional 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. SPCO Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #61438
Year Chartered1968
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.53%
Annual Interest Income$443.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$45.7MM$39.0MM
LoansQ1 2021vs Q1 2020$29.2MM$29.6MM
DepositsQ1 2021vs Q1 2020$41.6MM$35.1MM
Equity CapitalQ1 2021vs Q1 2020$3.8MM$3.7MM
Loan Loss AllowanceQ1 2021vs Q1 2020$167.00K$206.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$184.00K$152.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SPCO Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%--IRA
0.40%*$25k*-Savings Account
OTHER TIERS: 0.10% → $25 - $5k | 0.25% → $5k - $25k
0.25%--Christmas Club Accounts

SPCO Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--On Track Checking Accounts

SPCO Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.13%*$50k*-5 Year CD
OTHER TIERS: 0.95% → $1k - $50k
0.91%*$50k*-4 Year CD
OTHER TIERS: 0.85% → $1k - $50k
0.77%*$50k*-3 Year CD
OTHER TIERS: 0.70% → $1k - $50k
0.62%*$50k*-2 Year CD
OTHER TIERS: 0.45% → $1k - $50k
0.35%*$50k*-1 Year CD
OTHER TIERS: 0.30% → $1k - $50k
0.30%*$50k*-6 Month CD
OTHER TIERS: 0.25% → $1k - $50k
Locations


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

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