Credit union
East Texas Professional Credit Union
Longview, Texas, Gregg County, TX
$1.4B in total assets and 104,455 members, the 350th largest of 4,298 US credit unions and 25th of 376 headquartered in Texas.
- NCUA charter
- 67761
- Charter
- State chartered (TX)
- Chartered
- 1953
- NCUA insured since
- 1991
- Low-income designation
- Yes
- Website
- http://www.etpcu.org
At a glance
Compared with 34 federally insured credit unions in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 35% | $1.7B | |
| Loans | $977M | 32% | $1.4B | |
| Deposits (shares) | $1.2B | 32% | $1.5B | |
| Members | 104,455 | 47% | 111,082 | |
| Return on assets | 1.81% | 97% | 0.74% | |
| Net interest income to assets | 3.81% | 65% | 3.49% | |
| Efficiency ratio | 56.8% | 9% | 71.6% | |
| Net worth ratio | 19.38% | 98% | 10.89% | |
| Loans to shares | 85% | 29% | 90% | |
| Cost of deposits | 1.78% | 50% | 1.75% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 9.9% a year over 10 years and 9.6% a year over the last 5, including 3 mergers in the last 10 years. Membership grew 6.2% a year over 5 years, to 104,455.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jul 2022 | North East Texas Credit Union Credit union, Lone Star, TX | $190M |
| Feb 2020 | Letourneau Federal Credit Union Credit union, Longview, TX | $21M |
| Jul 2019 | S. W. E. Federal Credit Union Credit union, Laird Hill, TX | $812K |
| Dec 2010 | Synergy Eastex Federal Credit Union Credit union, Longview, TX | $7M |
Where they operate
22 branches in 12 counties.
2 of 22 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Gregg County, TX | 6 | 8.5% | 3 of 31 |
| Harrison County, TX | 4 | 18.2% | 1 of 15 |
| Titus County, TX | 2 | 15.4% | 2 of 8 |
| Upshur County, TX | 2 | 12.5% | 3 of 8 |
| Angelina County, TX | 1 | 3.3% | 7 of 18 |
| Cass County, TX | 1 | 6.2% | 4 of 12 |
| Marion County, TX | 1 | 25.0% | 1 of 4 |
| Morris County, TX | 1 | 12.5% | 3 of 6 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 12 | |
| 2017 | 12 | 0 |
| 2018 | 12 | 0 |
| 2019 | 12 | 0 |
| 2020 | 13 | +1 |
| 2021 | 14 | +1 |
| 2022 | 21 | +7 |
| 2023 | 22 | +1 |
| 2024 | 22 | 0 |
| 2025 | 22 | 0 |
| Jun 2026 | 22 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.41% | 0.75% |
| Net worth ratio | 19.38% | 10.89% |
| Loans to shares | 85% | 90% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Texas
Most branches in Gregg County, TX
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.