NECHES Credit Union Profile

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NECHES

Charter #7916 | NCUA Region 2 | FCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (409) 722-1174

Fax: (409) 721-9838

Founding Date: N/A

Website: http://www.nechesfcu.org

Personnel & Operations

President: Spivey, Wesley

Manager: Landry, Jason

FT Employees: 219

PT Employees: 17

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 11

Hours: Lobby Hours Monday-Thursday 9:00AM to 5:00

Credit Union Profile Summary

NECHES is a FCU Credit Union. With a total of 79,551 members ^[1], this institution manages approximately $1,056,515,002 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 15.14% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.27% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,056,515,002

Total economic resources.

Total Loans ^[1]

$783,567,144

Total value of outstanding loans.

Total Deposits ^[1]

$889,279,681

Total funds deposited by members.

Members ^[1]

79,551

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

15.14%

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]

1.79%

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

Loan-to-Share Ratio ^[1]

88.11%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 10.61%

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

Loan Growth (4Q) ^[1]

↑ 7.27%

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

Member Growth (4Q) ^[1]

↑ 9.67%

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

Headquarters Location & Map

Headquarters Address

676 Magnolia Ave

Port Neches, TX, 77651

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Lumberton High School Branch

Type: Branch Office

Nall Branch

Type: Branch Office

2239 Nall St

Port Neches, TX 77651-4207

Phone: (409) 727-1639

Services: Member Services, ATM, Drive-Thru

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Port Neches-Groves High School Branch

Type: Branch Office

1401 Merriman St

Port Neches, TX 77651

Phone: (409) 749-6367

Services: Member Services, ATM

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