TellerScore

Corpus Christi S.P. Credit Union is a federally insured state-chartered credit union headquartered in Corpus Christi, Texas, in business for about 73 years. At the end of Q2 2026 it reported $5.0M in total assets and $4.3M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Corpus Christi S.P. Credit Union scores 50/100, which we describe as below average. That is higher than only 9% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 354th. Its strongest component is capital cushion (88/100; 13.76%), and its lowest is loan quality (0/100; 4.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.76%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.13%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity60/100
Loans ÷ shares: 92.2% · 22.0% uninsured
Problem-loan coverage57/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 21.73%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (41 → 50), mostly because the earnings component improved by 42 points.

TellerScore
415670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202446
Q3 202470
Q4 202456
Q1 202557
Q2 202541
Q3 202565
Q4 202556
Q1 202645
Q2 202650
Net worth ratio
7.00%10.38%13.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.88%
Q3 202413.34%
Q4 202413.61%
Q1 202513.69%
Q2 202513.60%
Q3 202513.66%
Q4 202513.74%
Q1 202613.60%
Q2 202613.76%
Delinquent loans (60+ days)
0.14%3.35%6.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.51%
Q3 20240.14%
Q4 20242.11%
Q1 20251.49%
Q2 20253.13%
Q3 20250.89%
Q4 20251.99%
Q1 20266.57%
Q2 20264.13%
Return on assets
-0.57%0.01%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.30%
Q3 2024-0.10%
Q4 20240.30%
Q1 2025-0.57%
Q2 2025-0.44%
Q3 2025-0.07%
Q4 20250.07%
Q1 20260.47%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$5.0M13.76%4.13%0.59%92.2%
Q1 202645$5.0M13.60%6.57%0.47%96.5%
Q4 202556$4.9M13.74%1.99%0.07%96.6%
Q3 202565$4.9M13.66%0.89%-0.07%95.0%
Q2 202541$4.9M13.60%3.13%-0.44%95.9%
Q1 202557$4.9M13.69%1.49%-0.57%88.1%
Q4 202456$4.9M13.61%2.11%0.30%88.8%
Q3 202470$4.9M13.34%0.14%-0.10%85.5%
Q2 202446$5.1M12.88%2.51%-0.30%84.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.76%
45th
Problem loans4.13%
8th
Net charge-offs-0.02%
89th
Return on assets0.59%
47th
Loans to deposits92.2%
7th
Uninsured deposits22.0%
1st
Loan-loss reserves1.51%
87th
Texas ratio21.7%
4th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Moore County Schools Federal Credit UnionCredit union Dumas, TX62 out of 100, Moderate$5.1M12.4%1.92%vs
Natural Resources Conservation Serv Federal Credit UnionCredit union Fort Worth, TX54 out of 100, Below average$4.9M24.0%3.05%vs
Farmers Branch City Employees Federal Credit UnionCredit union Farmers Branch, TX57 out of 100, Moderate$5.2M19.9%6.74%vs
Frio County Federal Credit UnionCredit union Pearsall, TX67 out of 100, Moderate$5.3M37.4%0.63%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs

Deposit insurance

Is my money safe at Corpus Christi S.P. Credit Union?

Yes. Corpus Christi S.P. Credit Union is a federally insured credit union (NCUA charter #67485). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 22.0% of shares and deposits ($944K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.76%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Corpus Christi S.P. Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Corpus Christi S.P. Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67485
RSSD ID
612896
Primary regulator
State + NCUA
Established
1953
Headquarters
P.O. Box 556, Corpus Christi, TX 78403
Employees
4

Quick answers

Corpus Christi S.P. Credit Union: common questions

Is Corpus Christi S.P. Credit Union NCUA insured?

Yes. Corpus Christi S.P. Credit Union is a federally insured credit union (NCUA charter #67485). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Corpus Christi S.P. Credit Union's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Corpus Christi S.P. Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Corpus Christi

InstitutionScoreAssetsCapitalProblem loansCompare
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
First State Bank of OdemBank Odem, TX95 out of 100, Very strong$212.6M14.4%0.00%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Nce Credit UnionCredit union Corpus Christi, TX85 out of 100, Very strong$5.9M20.8%0.00%vs
ValueBank TexasBank Corpus Christi, TX85 out of 100, Very strong$303.6M12.5%0.00%vs