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The Electric Utilities Credit Union
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The Electric Utilities Credit Union Share
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Table of Contents
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Overview Share
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The Electric Utilities Credit Union is a federally insured state credit union based in Big Spring, Texas. It has been opened since 1950, for 72 years.

With around $6,900,000 in assets, The Electric Utilities Credit Union is considered to be a medium size credit union.

About Share
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Address 2002 Birdwell Lane
Big Spring, Texas 79720
Phone (432) 263-3442
Fax (432) 263-0644
CEO Carol I. Jeter
President of the Board Debbie Atkinson
Services Offered
Score Card Share
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72 years
Years in business
Opened in 1950
Well Capitalized
Net worth classification
Source: NCUA
665 members
Membership type: State chartered natural person credit union
Below average number of members
332:1
Credit union member to staff ratio
332 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$6,902,221
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Texas
Average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
10.00%
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
The Electric Utilities Credit Union Branch Locations

the Electric Utilities Credit Union
2002 Birdwell Lane
Big Spring, Texas 79720
No ATM
Members Share
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665 members
Membership type: State chartered natural person credit union
Below average number of members

With 665 members, the The Electric Utilities Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 87% of credit unions.

Fees Share
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$25
Average fee per member
The average fee per member at the The Electric Utilities Credit Union is $25, which is low compared to most credit unions. This rate is lower than 69% 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 The Electric Utilities Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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332:1
Credit union member to staff ratio
332 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
2 staff members
FTE (full-time equivalent)
0% of employees are part-time
2 full-time, 0 part-time

The Electric Utilities Credit Union has 2 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. The Electric Utilities Credit Union has around 332 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$6,902,221
Total assets
Below average
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.
12.1%
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 Share
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$5,732
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 87% of credit unions.

The Electric Utilities Credit Union holds a total of $2,070,000 in loans and leases, which is about $5,732 per member on average.

Savings interest rate Share
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0.15%
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. The Electric Utilities Credit Union pays 0.15%.

Loan rates Share
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10.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
10.00%
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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4.25%
New car loan rate
Compared to 4.0% nationally
4.50%
Used car loan rate
Compared to 5.2% nationally

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