Sep, 30, 2025 — TEXAS DOW EMPLOYEES CREDIT UNION (TDECU) is a federally insured state chartered credit union headquartered in HOUSTON, TX with 32 branch locations and about $4.90 billion in total assets. Opened 72 years ago in 1954, TEXAS DOW EMPLOYEES CREDIT UNION (TDECU) has about 392,797 members and employs 792 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TEXAS DOW EMPLOYEES CREDIT UNION |
|---|---|
| Address: (Main Office) | 2000 Post Oak Blvd HOUSTON, TX 77056 |
| Phone: | (979) 297-1154 |
| Fax: | |
| Website: | https://www.tdecu.org |
| Branches: | 32 branch locations |
| Members: | 392,797 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 60705 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $4,899,101,281 |
| CEO/Manager: | Isaac Johnson |
| Chairperson: | Roland Hendricks |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 222,732,294 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,503,407,703 |
| Unsecured Loans | 549,976,696 |
| Other Loans | 1,341,235,754 |
| TOTAL LOANS | 4,394,698,019 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -48,509,218 |
| Land And Building | 52,501,329 |
| Other Fixed Assets | 47,786,955 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 38,696,906 |
| All Other Assets | 6,932,572 |
| TOTAL ASSETS | 4,899,101,281 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 356,000,000 |
| Accounts Payable & Other Liabilities | 103,991,156 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,319,942,628 |
| Regular shares | 1,155,905,182 |
| All Other Shares & Deposits | 1,462,613,995 |
| TOTAL SHARES & DEPOSITS | 3,938,461,805 |
| TOTAL LIABILITIES | 4,398,452,961 |
| Regular Reserve | 0 |
| Other Reserves | 14,937,828 |
| Undivided Earnings | 485,710,492 |
| TOTAL EQUITY | 500,648,320 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 4,899,101,281 |
| INCOME & EXPENSE | |
| Loan Income | 203,337,813 |
| Investment Income | 8,976,118 |
| Other Income | 27,779,803 |
| Total Employee Compensation & Benefits | 73,202,822 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 91,671,639 |
| Non-operating Income & (Expense) | -6,472 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 34,075,948 |
| Cost of Funds | 61,162,111 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 19,481,590 |
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