SPCO Credit Union

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

SPCO Credit Union is headquartered in Houston and is the 212th largest credit union in the state of Texas. It is also the 2,718th largest credit union in the nation. It was established in 1968 and as of March of 2024, it had grown to 7 employees and 2,853 members at 1 location. SPCO Credit Union's CD rates are 5X the national average, and it 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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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

NCUA #61438
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD-0.76%
Return on Equity - YTD-8.08%
Annual Interest Income$521K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$38.1MM$40.5MM
LoansQ1 2024vs Q1 2023$31.8MM$34.3MM
DepositsQ1 2024vs Q1 2023$33.7MM$35.8MM
Equity CapitalQ1 2024vs Q1 2023$3.6MM$3.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$156K$175K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$195K$91K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

0.40%*$25k*-Savings Account
OTHER TIERS: 0.10% $25 - $5k | 0.25% $5k - $25k
0.25%$0-Christmas Club Accounts

SPCO Credit Union Checking Account Rates

0.10%$0-On Track Checking Accounts

SPCO Credit Union CD Rates

5.01%*$50k*-2 Year CD
OTHER TIERS: 4.70% $1k - $50k
4.59%*$50k*-1 Year CD
OTHER TIERS: 4.33% $1k - $50k
4.18%*$50k*-3 Year CD
OTHER TIERS: 4.07% $1k - $50k
4.07%*$50k*-6 Month CD
OTHER TIERS: 3.82% $1k - $50k
4.02%*$50k*-4 Year CD
OTHER TIERS: 3.82% $1k - $50k
3.41%*$50k*-5 Year CD
OTHER TIERS: 3.31% $1k - $50k

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

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