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

SPCO Credit Union is headquartered in Houston and is the 205th largest credit union in the state of Texas. It is also the 2,597th largest credit union in the nation. It was established in 1968 and as of June of 2018, it had grown to 7 employees and 3,596 members at 3 locations. SPCO Credit Union has a C+ 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
C+
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
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.43%
Annual Interest Income$901.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$39.3MM$39.6MM
LoansQ2 2018vs Q2 2017$29.4MM$27.9MM
DepositsQ2 2018vs Q2 2017$34.3MM$34.7MM
Equity CapitalQ2 2018vs Q2 2017$3.5MM$3.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$224.00K$76.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$197.00K$214.00K
Real Estate OwnedQ2 2018vs Q2 2017$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
2.48%*$50k*-5 Year CD
OTHER TIERS: 2.27% $1k - $50k
1.76%*$50k*-4 Year CD
OTHER TIERS: 1.66% $1k - $50k
1.56%*$50k*-3 Year CD
OTHER TIERS: 1.36% $1k - $50k
1.26%*$50k*-2 Year CD
OTHER TIERS: 1.16% $1k - $50k
0.55%*$50k*-1 Year CD
OTHER TIERS: 0.50% $1k - $50k
0.45%*$50k*-6 Month CD
OTHER TIERS: 0.41% $1k - $50k
Locations


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

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