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SPELC Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.25%1-year CD12 Month CD
0.10%SavingsRegular Savings
0.02%CheckingSimply Checking

Overview / Commentary
337-436-2257
317 W 18th St
Lake Charles, LA 70601

SPELC Federal Credit Union is headquartered in LAKE CHARLES and is the 98th largest credit union in the state of Louisiana. It is also the 4,123rd largest credit union in the nation. It was established in 1956 and as of June of 2016, it had grown to 3 employees and 2,274 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.
See current membership details

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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. SPELC Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #11203
Year Chartered1956
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD2.58%
Annual Interest Income$153.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$11.2MM$11.3MM
LoansQ2 2016vs Q2 2015$7.0MM$5.8MM
DepositsQ2 2016vs Q2 2015$10.3MM$10.5MM
Equity CapitalQ2 2016vs Q2 2015$854.00K$833.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$17.00K$20.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$93.00K$28.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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SPELC Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Regular Savings
0.10%--Christmas Club
0.10%--IRA Account
0.10%--Roth IRA account

SPELC Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.07%--Premier Checking
0.07%--Golden Checking
0.02%--Simply Checking

SPELC Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$1k-12 Month CD
0.20%$1k-6 Month CD

SPELC Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--12 Month IRA CD
0.20%--6 Month IRA CD
Locations


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