Sep, 30, 2025 — SAN PATRICIO COUNTY TEACHERS FEDERAL CREDIT UNION is a federal credit union headquartered in SINTON, TX with 2 branch locations and about $28.92 million in total assets. Opened 69 years ago in 1957, SAN PATRICIO COUNTY TEACHERS FEDERAL CREDIT UNION has about 2,601 members and employs 10 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SAN PATRICIO COUNTY TEACHERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 501 W Merriman St SINTON, TX 78387-2412 |
| Phone: | (361) 364-3683 |
| Fax: | (361) 364-2132 |
| Website: | https://www.nspirefcu.com |
| Branches: | 2 branch locations |
| Members: | 2,601 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11721 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $28,918,898 |
| CEO/Manager: | Kimberly Reese |
| Chairperson: | Charles Simmons |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,721,724 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 963,583 |
| Unsecured Loans | 632,719 |
| Other Loans | 22,960,453 |
| TOTAL LOANS | 24,556,755 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -129,642 |
| Land And Building | 976,339 |
| Other Fixed Assets | 175,813 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 247,091 |
| All Other Assets | 133,644 |
| TOTAL ASSETS | 28,918,898 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 70,707 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,678,214 |
| Regular shares | 10,709,236 |
| All Other Shares & Deposits | 10,537,202 |
| TOTAL SHARES & DEPOSITS | 24,924,651 |
| TOTAL LIABILITIES | 24,995,358 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 3,923,540 |
| TOTAL EQUITY | 3,923,540 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 28,918,898 |
| INCOME & EXPENSE | |
| Loan Income | 1,095,858 |
| Investment Income | 15,162 |
| Other Income | 72,059 |
| Total Employee Compensation & Benefits | 438,299 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 384,111 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 114,455 |
| Cost of Funds | 309,862 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -6,333 |
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