Credit union · NCUA insured
Neches Federal Credit Union
Top CarrotA $1.2B credit union, the 413th largest of 4,329, headquartered in Port Neches, TX, with 82,912 members and 11 branches in Texas. Best rates: CDs 4.65% and savings 0.60% APY.
Neches Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#2 of 22 in Beaumont, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Neches Federal Credit Union
Neches Federal Credit Union serves communities across Southeast Texas, focusing on enhancing the lives of local residents.
- Headquarters
- 676 Magnolia Ave, Port Neches, TX 77651
- NCUA charter
- 7916
Branches
11 branches in Texas
Loading map…
Texas
11 branches
- Administration OfficeMain office676 Magnolia Ave, Port Neches, TX 77651Directions
- Dowlen Branch1955 Dowlen Rd, Beaumont, TX 77706Directions
- Major Drive5765 N Major Dr, Beaumont, TX 77713Directions
- Pearl Branch1254 Pearl St, Beaumont, TX 77701Directions
- Bridge City Branch410 Texas Ave, Bridge City, TX 77611Directions
- Lumberton299 Country Lane Dr, Lumberton, TX 77657Directions
- Lumberton High School Branch103 S LHS Dr, Lumberton, TX 77657Directions
- Nederland Branch2623 Nederland Ave, Nederland, TX 77627Directions
- Nederland High School Branch220 N 17th St, Nederland, TX 77627Directions
- Nall Branch2239 Nall St, Port Neches, TX 77651Directions
- Port Neches-Groves High School Branch1401 Merriman St, Port Neches, TX 77651Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.66% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.20% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 2.24% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalNet worth ratio14.66%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.20%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets2.24%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Neches Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.