Garland, TX · State Credit Union · Chartered in TX
Who can join
State government employees (special charter)
Members
31,666
Net Worth Ratio
15.27%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$422.5M
Total Shares
$357.9M
Total Loans
$278.9M
Net Worth Ratio
15.27%
≥7% = Well Capitalized
Members
31,666
Delinquency Rate (60d+)
0.38%
$1.0M
Loan-to-share ratio: 77.9%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 78 | 60 | 13 | 76.9% | 16.7% |
| 2022 | 129 | 103 | 9 | 79.8% | 7.0% |
| 2021 | 123 | 91 | 7 | 74.0% | 5.7% |
No CFPB complaint data available for this credit union.
CORPORATE OFFICE
2154 FOREST LN, GARLAND, TX, 75042
9:00-5:00 M-F LOBBY 7:30-5:30 M-TH 6:30-6:00 FRI 9:00-1:00 SAT
SPFD BRANCH OFFICE
2350 E Bennett St, Springfield, MO, 65804-1732
8:00-4:30 M,T,TH,FRI- LOBBY 9:00-4:30 WED-LOBBY 7:00-4:30 M-THUR-DRIVE THRU 7:00-5:30 FRI-DRIVE THRU
Motley Branch Office
3001 Motley Dr Ste H, Mesquite, TX, 75150-3457
9am-5pm Monday-Friday
CENTRAL
4040 N Central Expy Ste 100, Dallas, TX, 75204
M-T 9:00am-5:00pmFri 8:00am-5:00pmSat 9:00am-12:00pm
LANCASTER
3200 W Pleasant Run Rd Ste 100, Lancaster, TX, 75146-1083
M-F 8:00am-5:00pmSat 9:00am-12:00pmDrive Thru M-F 8:00am-6:00pmSat 9:00am-12:00pm
Royal Branch
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<a href="https://bankscorer.com/credit-union/americas" target="_blank" rel="noopener">View AMERICA'S on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
10501 N Central Expy Ste 100, Dallas, TX, 75231-2219
Lobby Hours Monday - Thursday: 9:00 AM - 5:00 PM Friday: 8:00 AM - 5:00 PM Saturday: 9:00 AM - Noon
White Rock Branch
8818 Garland Rd, Dallas, TX, 75218
Monday - Thursday: 9:00am-5:00pm Friday: 8:00am-5:00pm Saturday: Closed Sunday: Closed
South Fort Worth Branch
1216 Everman Pkwy, Fort Worth, TX, 76140
9:00 am to 4:00 pm