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Wellspring Credit Union


Overview / Commentary
www.wellspringcu.com
409-697-2461
150 E Round Bunch Rd
Bridge City, TX 77611

Wellspring Credit Union is headquartered in Bridge City and is the 179th largest credit union in the state of Texas. It is also the 2,265th largest credit union in the nation. It was established in 1958 and as of December of 2022, it had grown to 22 employees and 6,825 members at 3 locations. Wellspring Credit Union's CD rates are 68% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Wellspring Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Hardin, Jefferson, Newton, or Orange. Immediate family members of current Wellspring Credit Union members are also eligible to join.
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Health
B

Data as of Q4 2022

Learn why bank health matters
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. Wellspring Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #12181
Year Chartered1958
Employees22
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD6.84%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$63.7MM$62.7MM
LoansQ4 2022vs Q4 2021$49.2MM$45.1MM
DepositsQ4 2022vs Q4 2021$56.5MM$56.4MM
Equity CapitalQ4 2022vs Q4 2021$5.9MM$5.5MM
Loan Loss AllowanceQ4 2022vs Q4 2021$311.00K$362.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$295.00K$300.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wellspring Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$25kKasasa Saver
OTHER TIERS: 0.25% → $25k+
0.15%--Share Savings Account
0.15%$100-IRA Savings Account

Wellspring Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Thrive Well Money Market
OTHER TIERS: 0.25% → $2k - $25k | 0.35% → $25k - $50k

Wellspring Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$25kKasasa Cash Checking
OTHER TIERS: 0.25% → $25k+

Wellspring Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.07%$2k-60 Month CD
1.89%$2k-48 Month CD
1.73%$2k-36 Month CD
1.63%$2k-24 Month CD
1.53%$2k-18 Month CD
1.51%$2k-12 Month CD
1.36%$2k-6 Month CD

Wellspring Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.07%$2k-60 Month IRA
1.89%$2k-48 Month IRA
1.73%$2k-36 Month IRA
1.63%$2k-24 Month IRA
1.53%$2k-18 Month IRA
1.51%$2k-12 Month IRA
1.36%$2k-6 Month IRA
Locations


Wellspring Credit Union Locations
Branch Office150 E Round Bunch RdBridge City, TX 77611-3720
Branch Office2101 MacArthur DrOrange, TX 77630-4809
Corporate Office200 E Round Bunch RdBridge City, TX 77611

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