Sep, 30, 2025 — S.T.E.C. FEDERAL CREDIT UNION is a federal credit union headquartered in NURSERY, TX with 1 branch location and about $5.64 million in total assets. Opened 58 years ago in 1968, S.T.E.C. FEDERAL CREDIT UNION has about 697 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | S.T.E.C. FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2849 FM 447 NURSERY, TX 77976 |
| Phone: | (361) 485-6125 |
| Fax: | (361) 485-6240 |
| Website: | n/a |
| Branches: | 1 branch locations |
| Members: | 697 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 18816 |
|---|---|
| Membership Type: | Service - Communications and Utilities |
| Corporate Credit Union: | No |
| Year Opened: | 1968 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $5,635,870 |
| CEO/Manager: | LISA M PONCIO |
| Chairperson: | Travis Gillig |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 678,026 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 228,071 |
| Other Loans | 4,071,003 |
| TOTAL LOANS | 4,299,074 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -454 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 40,828 |
| All Other Assets | 0 |
| TOTAL ASSETS | 5,635,870 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 10,162 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 3,822,725 |
| All Other Shares & Deposits | 132,370 |
| TOTAL SHARES & DEPOSITS | 3,955,095 |
| TOTAL LIABILITIES | 3,965,257 |
| Regular Reserve | 0 |
| Other Reserves | 248,010 |
| Undivided Earnings | 1,422,603 |
| TOTAL EQUITY | 1,670,613 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 5,635,870 |
| INCOME & EXPENSE | |
| Loan Income | 151,968 |
| Investment Income | 32,463 |
| Other Income | 265 |
| Total Employee Compensation & Benefits | 65,234 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 40,398 |
| Non-operating Income & (Expense) | 1,528 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -7,251 |
| Cost of Funds | 8,703 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 79,140 |
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