SPCO Credit Union

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

SPCO Credit Union is headquartered in Houston and is the 213th largest credit union in the state of Texas. It is also the 2,745th largest credit union in the nation. It was established in 1968 and as of September of 2022, it had grown to 8 employees and 3,012 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.
See current membership details


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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-0.02%
Return on Equity - YTD-0.25%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$39.6MM$43.5MM
LoansQ3 2022vs Q3 2021$32.7MM$31.5MM
DepositsQ3 2022vs Q3 2021$35.4MM$39.2MM
Equity CapitalQ3 2022vs Q3 2021$3.8MM$3.9MM
Loan Loss AllowanceQ3 2022vs Q3 2021$174.00K$185.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$107.00K$261.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for SPCO Credit Union are currently being reviewed.


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

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