NSPIRE Credit Union Profile

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NSPIRE

Charter #11721 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (361) 364-3683

Fax: (361) 364-2132

Founding Date: N/A

Website: http://www.nspirefcu.com

Personnel & Operations

President: Simmons, Charles

Manager: Reese, Kimberly

FT Employees: 9

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 2

Hours: Drive Thru Hours: 7:30 am - 6:00 pm Lobby

Credit Union Profile Summary

NSPIRE is a FCU Credit Union. With a total of 2,641 members [1], this institution manages approximately $29,148,053 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.66% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 16.46% [1].

Financial Snapshot

Total Assets [1]
$29,148,053

Total economic resources.

Total Loans [1]
$26,066,865

Total value of outstanding loans.

Total Deposits [1]
$24,959,954

Total funds deposited by members.

Members [1]
2,641

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.66%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.12%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
104.43%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.61%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 16.46%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -5.81%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

501 W Merriman St

Sinton, TX, 78387-2412
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by NSPIRE (Charter #11721).

Main Office

San Patricio Co Teachers FCU Main Office

Type: Corporate Office

501 W Merriman St

Sinton, TX 78387-2412

Phone: (361) 364-3683

Services: Member Services, Drive-Thru

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Additional Branches

Portland

San Patricio Co Teachers FCU

Type: Branch Office

1802 Billy G Webb

Portland, TX 78374

Phone: (361) 643-1900

Services: Member Services, ATM, Drive-Thru

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