Sep, 30, 2025 — EDINBURG TEACHERS CREDIT UNION is a federally insured state chartered credit union headquartered in EDINBURG, TX with 1 branch location and about $95.62 million in total assets. Opened 71 years ago in 1955, EDINBURG TEACHERS CREDIT UNION has about 6,154 members and employs 18 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EDINBURG TEACHERS CREDIT UNION |
|---|---|
| Address: (Main Office) | 900 W University Dr EDINBURG, TX 78539 |
| Phone: | (956) 259-3511 |
| Fax: | (956) 381-8206 |
| Website: | https://www.etcu.coop |
| Branches: | 1 branch locations |
| Members: | 6,154 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66366 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $95,616,886 |
| CEO/Manager: | Mary L Carpenter |
| Chairperson: | Robert N Tamez |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 17,906,108 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,998 |
| Unsecured Loans | 5,593,563 |
| Other Loans | 15,939,514 |
| TOTAL LOANS | 21,542,075 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -62,496 |
| Land And Building | 341,216 |
| Other Fixed Assets | 125,461 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 746,943 |
| All Other Assets | 0 |
| TOTAL ASSETS | 95,616,886 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 9,394 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,106,729 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 22,152,690 |
| Regular shares | 46,186,987 |
| All Other Shares & Deposits | 10,449,452 |
| TOTAL SHARES & DEPOSITS | 78,789,129 |
| TOTAL LIABILITIES | 79,905,252 |
| Regular Reserve | 0 |
| Other Reserves | -6,267,168 |
| Undivided Earnings | 21,978,802 |
| TOTAL EQUITY | 15,711,634 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 95,616,886 |
| INCOME & EXPENSE | |
| Loan Income | 1,051,336 |
| Investment Income | 1,314,039 |
| Other Income | 205,245 |
| Total Employee Compensation & Benefits | 1,110,842 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 802,810 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -3,474 |
| Cost of Funds | 374,097 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 331,593 |
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