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Overview Share
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Ctecu is a non-federally insured state credit union based in Houston, Texas. It has been opened since 1952, for 70 years.

With around $28,220,000 in assets, Ctecu is considered to be an average size credit union.

About Share
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Address P.O. Box 42021
Houston, Texas 77242
Website http://www.ctecu.org
Phone (713) 532-7570
Fax (713) 532-7578
CEO Jackie H. Kapalski
President of the Board Michael Beard
Services Offered
Score Card Share
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70 years
Years in business
Opened in 1952
Well Capitalized
Net worth classification
Source: NCUA
1,666 members
Membership type: State chartered natural person credit union
Below average number of members
333:1
Credit union member to staff ratio
333 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$28,217,880
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 3 in Texas
Average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
11.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Texas
Average number of branches
Ctecu Branch Locations

Ctecu
3100 Wilcrest Drive Suite 141
Houston, Texas 77042
No ATM
Members Share
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1,666 members
Membership type: State chartered natural person credit union
Below average number of members

With 1,666 members, the Ctecu is considered to be a small credit union. It is smaller than 70% of credit unions.

Fees Share
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$6
Average fee per member
The average fee per member at the Ctecu is $6, which is very low compared to most credit unions. This rate is lower than 86% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Ctecu. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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333:1
Credit union member to staff ratio
333 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
5 staff members
FTE (full-time equivalent)
0% of employees are part-time
5 full-time, 0 part-time

Ctecu has 5 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Ctecu has around 333 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$28,217,880
Total assets
Average size
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
18.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$3,682
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 95% of credit unions.

Ctecu holds a total of $8,740,000 in loans and leases, which is about $3,682 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Ctecu pays 0.10%.

Loan rates Share
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11.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
6.25%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.90%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.20%
New car loan rate
Compared to 4.0% nationally
2.70%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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1.99%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
1.99%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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All of Asset Brief

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Ctecu
Credit Union Branch: 3100 Wilcrest Drive Suite 141
Houston, Texas 77042 No ATM