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National Credit Union Service Organization

SPCO CREDIT UNION

Jun, 30, 2023 — SPCO CREDIT UNION is a federally insured state chartered credit union headquartered in HOUSTON, TX with 2 branch locations and about $39.60 million in total assets. Opened 56 years ago in 1968, SPCO CREDIT UNION has about 3,012 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 313083426
Name:SPCO CREDIT UNION
Address:
(Main Office)
12755 N Houston Rosslyn Rd
HOUSTON, TX 77086
Phone:(713) 455-8586
Fax:(713) 455-8588
Website:https://www.spcocu.org
Branches:2 branch locations
Members:3,012
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:61438
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1968
Last Audited:Nov 01, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$39,604,173
CEO/Manager:J Timothy Adams
Chairperson:Stephen Emmott

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,914,903
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 23,584,419
 Unsecured Loans 3,239,572
 Other Loans 5,843,331
 TOTAL LOANS 32,667,322
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -173,848
 Land And Building 1,240,966
 Other Fixed Assets 0
 NCUSIF Deposit 370,194
 All Other Assets 20,721
  TOTAL ASSETS 39,604,173
LIABILITIES & CAPITAL:  
 Dividends Payable 11,903
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 355,461
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,824,493
 Regular shares 17,163,672
 All Other Shares & Deposits 16,404,074
  TOTAL SHARES & DEPOSITS 35,392,239
  TOTAL LIABILITIES 35,759,603
 Regular Reserve 0
 Other Reserves 1,054,951
 Undivided Earnings 2,789,619
  TOTAL EQUITY 3,844,570
  TOTAL LIABILITIES, SHARES, & EQUITY 39,604,173
INCOME & EXPENSE  
 Loan Income 1,313,365
 Investment Income 37,163
 Other Income 67,918
 Total Employee Compensation & Benefits 480,579
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 738,538
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 239,750
 Cost of Funds 287,558
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -7,328
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