SOUTH TEXAS Credit Union Profile

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SOUTH TEXAS

Charter #8237 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (956) 618-7500

Fax: (956) 686-4823

Founding Date: N/A

Website: http://www.southtexasfcu.com

Personnel & Operations

President: Saenz, Norma

Manager: Paz, Gerardo

FT Employees: 14

PT Employees: 11

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 3

Hours: M-TH Lobby 9:00 am to 5:00 pm Fri Lobby 9:

Credit Union Profile Summary

SOUTH TEXAS is a FCU Credit Union. With a total of 7,201 members [1], this institution manages approximately $66,340,427 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.81% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -29.65% [1].

Financial Snapshot

Total Assets [1]
$66,340,427

Total economic resources.

Total Loans [1]
$25,436,649

Total value of outstanding loans.

Total Deposits [1]
$61,258,340

Total funds deposited by members.

Members [1]
7,201

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.81%

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]
0.66%

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

Loan-to-Share Ratio [1]
41.52%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 2.57%

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

Loan Growth (4Q) [1]
↓ -29.65%

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

Member Growth (4Q) [1]
↓ -7.97%

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

Headquarters Location & Map

Headquarters Address

2121 W Dove Ave

McAllen, TX, 78504-4064
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by SOUTH TEXAS (Charter #8237).

Main Office

Main Office Main Office

Type: Corporate Office

2121 W Dove Ave

Mcallen, TX 78504-4064

Phone: (956) 618-7500

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Weslaco

Branch Office

Type: Branch Office

401 N Westgate Dr

Weslaco, TX 78596-2705

Phone: (956) 969-2595

Services: Member Services, ATM, Drive-Thru

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Disaster Location

Type: Branch Office

401 N Westgate Dr

Weslaco, TX 78596

Phone: (956) 969-2595

Services: None specified

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