Credit union · NCUA insured
Wellspring Credit Union
A $91.6M credit union headquartered in Bridge City, TX, with 8,311 members and 4 branches in Texas. Best rates: savings 0.75% APY.
Wellspring Credit Union Carrot Score
83
Carrot Score
Higher than 64% of U.S. banks and credit unions
#12 of 22 in Beaumont, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wellspring Credit Union
Wellspring Credit Union is a member-owned institution serving Southeast Texas, including Orange, Newton, Jefferson, and Hardin Counties.
- Headquarters
- 150 E Round Bunch Rd, Bridge City, TX 77611-3720
- NCUA charter
- 12181
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or goes to school in Orange, Newton, Jefferson, and Hardin Counties in Texas is eligible to join.
Family and household
- Immediate family members of members are eligible to join.
Cost to join
- An opening deposit of $20 is required for most accounts.
Branches
4 branches in Texas
Loading map…
Texas
4 branches
- Bridge City BranchMain office150 E Round Bunch Rd, Bridge City, TX 77611Directions
- Beaumont Branch3805 W Cardinal Dr, Beaumont, TX 77705Directions
- Mauriceville Branch150 E Round Bunch Rd, Bridge City, TX 77611Directions
- Orange Branch2101 MacArthur Dr, West Orange, TX 77630Directions
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 | 8.89% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.71% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.71% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $81 | $59 | — |
- CapitalNet worth ratio8.89%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.71%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.71%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 Wellspring Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.