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SPCO CREDIT UNION

Dec, 31, 2021 — SPCO CREDIT UNION is a federally insured state chartered credit union headquartered in HOUSTON, TX with 2 branch locations and about $41.40 million in total assets. Opened 54 years ago in 1968, SPCO CREDIT UNION has about 3,135 members and employs 6 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:http://www.spcocu.org
Branches:2 branch locations
Members:3,135
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:$41,395,283
CEO/Manager:J Timothy Adams
Chairperson:Stephen Emmott

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,775,841
TOTAL INVESTMENTS 1,611,787
Loans Held for Sale 0
 
 Real Estate Loans 22,614,226
 Unsecured Loans 3,141,088
 Other Loans 5,655,309
 TOTAL LOANS 31,410,623
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -93,644
 Land And Building 1,266,551
 Other Fixed Assets 38,034
 NCUSIF Deposit 414,547
 All Other Assets 2,971,544
  TOTAL ASSETS 41,395,283
LIABILITIES & CAPITAL:  
 Dividends Payable 14,014
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 257,354
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,542,118
 Regular shares 18,049,962
 All Other Shares & Deposits 17,638,977
  TOTAL SHARES & DEPOSITS 37,231,057
  TOTAL LIABILITIES 37,502,425
 Regular Reserve 1,091,043
 Other Reserves 1,095,913
 Undivided Earnings 1,705,902
  TOTAL EQUITY 3,892,858
  TOTAL LIABILITIES, SHARES, & EQUITY 41,395,283
INCOME & EXPENSE  
 Loan Income 1,711,366
 Investment Income 48,273
 Other Income 83,349
 Total Employee Compensation & Benefits 601,224
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 933,380
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 3,555
 Cost of Funds 509,361
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 159,344
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