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

SPCO Credit Union is headquartered in Houston and is the 202nd largest credit union in the state of Texas. It is also the 2,564th largest credit union in the nation. It was established in 1968 and as of December of 2016, it had grown to 7 employees and 3,709 members at 3 locations. SPCO Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Union Pacific Railroad, and employees of any Graphics-related company in Harris County, Texas. Membership is also open to those who live, work, worship or attend school 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-1.1%
Return on Equity - YTD-11.88%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$40.0MM$37.3MM
LoansQ4 2016vs Q4 2015$31.3MM$27.7MM
DepositsQ4 2016vs Q4 2015$34.8MM$32.8MM
Equity CapitalQ4 2016vs Q4 2015$3.7MM$4.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$152.00K$31.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$244.00K$292.00K
Real Estate OwnedQ4 2016vs Q4 2015$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%--Christmas Club Accounts

SPCO Credit Union Checking Account Rates

0.10%--On Track Checking Accounts

SPCO Credit Union CD Rates

2.45%*$50k*-5 Year CD
OTHER TIERS: 2.05% $1k - $50k
1.75%*$50k*-4 Year CD
OTHER TIERS: 1.65% $1k - $50k
1.55%*$50k*-3 Year CD
OTHER TIERS: 1.35% $1k - $50k
1.00%*$50k*-2 Year CD
OTHER TIERS: 0.90% $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

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