Sep, 30, 2025 — SOUTH TEXAS FEDERAL CREDIT UNION is a federal credit union headquartered in MCALLEN, TX with 3 branch locations and about $66.78 million in total assets. Opened 74 years ago in 1952, SOUTH TEXAS FEDERAL CREDIT UNION has about 6,234 members and employs 25 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SOUTH TEXAS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2121 W Dove Ave MCALLEN, TX 78504-4064 |
| Phone: | (956) 618-7500 |
| Fax: | (956) 686-4823 |
| Website: | https://www.southtexasfcu.com |
| Branches: | 3 branch locations |
| Members: | 6,234 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8237 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1952 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $66,777,267 |
| CEO/Manager: | Gerardo B Paz |
| Chairperson: | Norma J Saenz |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 22,619,054 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 5,932,153 |
| Unsecured Loans | 4,466,440 |
| Other Loans | 12,778,147 |
| TOTAL LOANS | 23,176,740 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -320,194 |
| Land And Building | 1,609,722 |
| Other Fixed Assets | 87,074 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 569,585 |
| All Other Assets | 20,925 |
| TOTAL ASSETS | 66,777,267 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 386,761 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 500,000 |
| Share Drafts | 17,926,588 |
| Regular shares | 38,760,829 |
| All Other Shares & Deposits | 4,664,522 |
| TOTAL SHARES & DEPOSITS | 61,351,939 |
| TOTAL LIABILITIES | 62,238,700 |
| Regular Reserve | 0 |
| Other Reserves | -849,994 |
| Undivided Earnings | 5,388,561 |
| TOTAL EQUITY | 4,538,567 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 66,777,267 |
| INCOME & EXPENSE | |
| Loan Income | 1,110,317 |
| Investment Income | 856,423 |
| Other Income | 269,229 |
| Total Employee Compensation & Benefits | 903,218 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,084,819 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 143,498 |
| Cost of Funds | 78,023 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 304,330 |
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