Houston, Texas · Peer group 2
Sp Trainmen Credit Union
Sp Trainmen Credit Union holds $2.7M in assets across 474 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1954. Charter number 9496, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $2.7M |
|---|---|
| Total loans | $637K |
| Total shares (deposits) | $2.3M |
| Net worth | $272K |
| Members | 474 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -5.4% | |
|---|---|---|
| Loans | -19.8% | around the 12th percentile of its peer group |
| Deposits | 8.4% | higher than 90% of its peer group |
| Members | -4.2% | around the 23rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 27.8% | around the 11th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.0% | around the 13th percentile of its peer group |
| Return on assets | -1.89% | lower than 93% of its peer group |
| Delinquency ratio | 3.37% | around the 85th percentile of its peer group |
| Cash / assets | 11.3% | around the 34th percentile of its peer group |
| Borrowings / assets | 5.5% | higher than 99% of its peer group |
What this page does not show
Everything above is Sp Trainmen Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Navarro Credit Union
Corsicana, TX
$2.7M · 671 members
- Jafari No-Interest Credit Union
Houston, TX
$2.8M · 363 members
- Federal Employees Credit Union
TEXARKANA, TX
$2.9M · 351 members
- Our Mother of Mercy Parish Houston Credit Union
Houston, TX
$2.9M · 445 members
- B. P. S. Credit Union
Beeville, TX
$2.9M · 335 members
- Lefors Credit Union
lefors, TX
$3.0M · 536 members
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