Home
Contents
Explore
Search

Neches Credit Union

Overview
Back to Top

Neches Credit Union is a federal credit union based in Port Neches, Texas. It has been opened since 1952, for 68 years.

With around $590,880,000 in assets, Neches Credit Union is considered to be a very large credit union. It has 10 branches and 10 ATM locations.

About
Address Po Box 1118
Port Neches, Texas 77651
Website http://www.nechesfcu.org
Phone (409) 722-1174
Fax (409) 721-9838
CEO Jason Landry
President of the Board Wesley Spivey
Services Offered
Map
Back to Top
Score Card
Back to Top
68 years
Years in business
Opened in 1952
Well Capitalized
Net worth classification
Source: NCUA
62,047 members
Membership type: Unknown
Above average number of members
375:1
Credit union member to staff ratio
375 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$590,879,251
Total assets
Above average
10 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
10.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
Back to Top
10 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
Neches Credit Union Branch Locations

Neches Credit Union: Bridge City Branch
410 Texas Avenue
Bridge City, Texas 77611
ATM Available
Neches Credit Union: Dowlen Branch
1955 Dowlen Road
Beaumont, Texas 77706
ATM Available
Neches Credit Union: Administration Office
776 Magnolia Avenue
Port Neches, Texas 77651
ATM Available
Neches Credit Union: Nall Branch
2239 Nall Street
Port Neches, Texas 77651
ATM Available
Neches Credit Union: Nederland Branch
2623 Nederland Avenue
Nederland, Texas 77627
ATM Available
Neches Credit Union: Lumberton High School Branch
103 S. Lhs Drive
Lumberton, Texas 77657
ATM Available
Neches Credit Union: Port Neches-Groves High School Branch
1401 Merriman Street
Port Neches, Texas 77651
ATM Available
Neches Credit Union: Lumberton
299 Country Lane Drive
Lumberton, Texas 77657
ATM Available
Neches Credit Union: Nederland High School Branch
220 North 17th Street
Nederland, Texas 77627
ATM Available
Neches Credit Union: Pearl Branch
1254 Pearl Street
Beaumont, Texas 77701
ATM Available
Members
Back to Top
62,047 members
Membership type: Unknown
Above average number of members

With 62,047 members, the Neches Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 93% of credit unions.

Fees
Back to Top
$100
Average fee per member
The average fee per member at the Neches Credit Union is $100, which is very high compared to most credit unions. This rate is higher than 84% of all credit unions.
Fees are higher 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 Neches Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
Back to Top
375:1
Credit union member to staff ratio
375 per each FTE employee
Compared to 411:1 nationally
Average number of staff
166 staff members
FTE (full-time equivalent)
11% of employees are part-time
156 full-time, 19 part-time

Neches Credit Union has 156 full-time staff members and 19 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 89% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Neches Credit Union has around 375 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
Back to Top
$590,879,251
Total assets
Above average
Net worth
Back to Top
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.
14.1%
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
Back to Top
$12,137
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 65% of credit unions.

Neches Credit Union holds a total of $427,900,000 in loans and leases, which is about $12,137 per member on average.

Savings interest rate
Back to Top
0.25%
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. Neches Credit Union pays 0.25%.

Loan rates
Back to Top
10.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.25%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
Back to Top
3.50%
New car loan rate
Compared to 4.0% nationally
3.25%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
Back to Top
4.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.25%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.50%
Other real estate loan rates
Compared to 0.9% nationally