Overview / Commentary
317 W 18th St
Lake Charles, LA 70601

SPELC Federal Credit Union is headquartered in LAKE CHARLES and is the 96th largest credit union in the state of Louisiana. It is also the 4,045th largest credit union in the nation. It was established in 1956 and as of June of 2018, it had grown to 3 employees and 2,185 members at 1 location. SPELC Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees of the Southern Pacific Railroad in the Lake Charles, Louisiana area and over 60 local companies within the Lake Charles area.
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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. SPELC Federal Credit Union has a low asset base.

Health Grade Components

NCUA #11203
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0%
Return on Equity - YTD0%
Annual Interest Income$168.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$10.6MM$10.6MM
LoansQ2 2018vs Q2 2017$7.6MM$7.4MM
DepositsQ2 2018vs Q2 2017$9.7MM$9.7MM
Equity CapitalQ2 2018vs Q2 2017$877.00K$870.00K
Loan Loss AllowanceQ2 2018vs Q2 2017$18.00K$20.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$103.00K$119.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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SPELC Federal Credit Union Savings Account Rates

0.15%--Regular Savings
0.15%--Christmas Club
0.15%--IRA Account
0.15%--Roth IRA account

SPELC Federal Credit Union Checking Account Rates

0.08%--Premier Checking
0.08%--Golden Checking
0.02%--Simply Checking

SPELC Federal Credit Union CD Rates

0.90%$1k-12 Month CD
0.70%$1k-6 Month CD

SPELC Federal Credit Union IRA Rates

0.90%--12 Month IRA CD
0.70%--6 Month IRA CD

SPELC Federal Credit Union Locations
Branch Office317 W 18TH STLAKE CHARLES, LA 70601-8458

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