Charter 9496 · Houston, TX
Sp Trainmen Federal Credit Union
Sp Trainmen Federal Credit Union is a federally chartered credit union in Houston, Texas, with $2.7 million in assets and 423 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.78%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $2.7 million
- -8.4% in a year
- Members
- 423
- -12.6% in a year
- Net worth ratio
- 9.78%
- Peer median 17.30%
- Loans 60+ days late
- 26.03%
- Peer median 0.86%
- Loans outstanding
- $660 thousand
- -18.8% in a year
- Shares and deposits
- $2.2 million
- -3.2% in a year
- Branches
- 1
- 2 employees
- Opened
- 1954
- Federal charter
How Sp Trainmen Federal Credit Union compares
NCUA groups credit unions by size; Sp Trainmen Federal Credit Union is in the group with $2 million to $10 million (539 credit unions). Its net worth ratio of 9.78% is lower than that group's median of 17.30%, and its share of loans 60 or more days past due, 26.03%, is higher than the group median of 0.86%. Loans fell 18.8% over the year to Q2 2026, against a group median of a 6.0% fall.
By assets it ranks 363 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $2.7 million | 423 | $660 thousand | 9.78% | 26.03% |
| Q1 2026 | $2.7 million | 474 | $637 thousand | 9.99% | 3.37% |
| Q4 2025 | $2.7 million | 476 | $718 thousand | 10.56% | 5.07% |
| Q3 2025 | $2.9 million | 485 | $770 thousand | 14.79% | 25.66% |
| Q2 2025 | $3.0 million | 484 | $813 thousand | 19.63% | 23.59% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 5,000 potential members. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Sp Trainmen Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- S. P. Trainmen Federal Credit Union (main office)
12655 Woodforest Blvd Ste 855, Houston, TX 77015 - Disaster Recovery Location
13246 Vicksburg St, Houston, TX 77015
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology