NORTH EAST TEXAS CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.thenetcu.com for more information.
Sep, 30, 2025 — NORTH EAST TEXAS CREDIT UNION is a federally insured state chartered credit union headquartered in Lone Star, TX with 6 branch locations and about $196.60 million in total assets. Opened 78 years ago in 1948, NORTH EAST TEXAS CREDIT UNION has about 14,366 members and employs 58 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NORTH EAST TEXAS CREDIT UNION |
|---|---|
| Address: (Main Office) | P O Box 1480 Lone Star, TX 75668 |
| Phone: | (903) 656-2576 |
| Fax: | (903) 656-3458 |
| Website: | https://www.thenetcu.com |
| Branches: | 6 branch locations |
| Members: | 14,366 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68432 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1948 |
| Last Audited: | Mar 01, 2021 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $196,598,673 |
| CEO/Manager: | Kay Stewart |
| Chairperson: | Deborah Martin |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 19,378,037 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 38,574,204 |
| Unsecured Loans | 1,223,669 |
| Other Loans | 49,942,608 |
| TOTAL LOANS | 89,740,481 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -629,135 |
| Land And Building | 4,478,544 |
| Other Fixed Assets | 448,316 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,659,790 |
| All Other Assets | 0 |
| TOTAL ASSETS | 196,598,673 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 587,000 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 45,836,101 |
| Regular shares | 94,189,686 |
| All Other Shares & Deposits | 40,792,658 |
| TOTAL SHARES & DEPOSITS | 180,818,445 |
| TOTAL LIABILITIES | 181,405,445 |
| Regular Reserve | 0 |
| Other Reserves | -6,171,346 |
| Undivided Earnings | 21,364,574 |
| TOTAL EQUITY | 15,193,228 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 196,598,673 |
| INCOME & EXPENSE | |
| Loan Income | 1,039,126 |
| Investment Income | 270,973 |
| Other Income | 464,644 |
| Total Employee Compensation & Benefits | 911,368 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 982,953 |
| Non-operating Income & (Expense) | 2,735 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 434 |
| Cost of Funds | 108,882 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 372,056 |
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