Credit union · NCUA insured
NSPIRE FCU
A $30.2M credit union headquartered in Sinton, TX, with 2,562 members and 2 branches in Texas. Best rates: savings 0.35% APY.
NSPIRE FCU Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#6 of 21 in Corpus Christi, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NSPIRE FCU
- Headquarters
- 501 W Merriman St, Sinton, TX 78387-2412
- NCUA charter
- 11721
Branches
2 branches in Texas
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Texas
2 branches
- San Patricio Co Teachers FCUMain office501 W Merriman St, Sinton, TX 78387Directions
- San Patricio Co Teachers FCU1802 Billy G Webb, Portland, TX 78374Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.49% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.65% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.65% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $81 | $59 | — |
- CapitalNet worth ratio13.49%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.65%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.65%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$81Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 NSPIRE FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.