CONCHO EDUCATORS Credit Union Profile

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CONCHO EDUCATORS

Charter #4684 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (325) 944-4551

Fax: (325) 944-4809

Founding Date: N/A

Website: https://www.conchoeducators.org

Personnel & Operations

President: McGaughey, Cheryl

Manager: Merrill, Jerry

FT Employees: 28

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 3

Hours: 9:00 TO 5:00

Credit Union Profile Summary

CONCHO EDUCATORS is a FCU Credit Union. With a total of 6,674 members [1], this institution manages approximately $97,379,602 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.66% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.55% [1].

Financial Snapshot

Total Assets [1]
$97,379,602

Total economic resources.

Total Loans [1]
$53,995,333

Total value of outstanding loans.

Total Deposits [1]
$88,110,943

Total funds deposited by members.

Members [1]
6,674

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.66%

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]
0.33%

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

Loan-to-Share Ratio [1]
61.28%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -2.58%

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

Loan Growth (4Q) [1]
↓ -1.55%

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

Member Growth (4Q) [1]
↓ -0.18%

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

Headquarters Location & Map

Headquarters Address

3215 LOOP 306

SAN ANGELO, TX, 76904
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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 3 branches reported by CONCHO EDUCATORS (Charter #4684).

Main Office

Concho Educators FCU Main Office

Type: Corporate Office

3215 Loop 306

San Angelo, TX 76904

Phone: (325) 944-4551

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

San Angelo

Beauregard Office

Type: Branch Office

1967 W Beauregard Ave

San Angelo, TX 76901

Phone: (325) 944-4552

Services: Member Services, ATM, Drive-Thru

Open in Directions

North Branch

Type: Branch Office

2239 N Bryant Blvd

San Angelo, TX 76903

Phone: (325) 653-1305

Services: Member Services, ATM, Drive-Thru

Open in Directions