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SP Trainmen Federal Credit Union

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SP Trainmen Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SP Trainmen Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

SP Trainmen Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.86% and 3-month share certificate rates at 2.72%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.37%. These rates come from our rate database, not SP Trainmen Federal Credit Union, and you can see how they compare in the SP Trainmen Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of SP Trainmen Federal Credit Union with a 2.8 Star Rating, an F Overall Health Grade, and a Texas Ratio of 40.87%. Database rates last updated and verified on 10/13/2026.

SP Trainmen Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SP Trainmen Federal Credit Union? Share your experience about SP Trainmen Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SP Trainmen Federal Credit Union.

Overall Health & Safety Grade

High Risk Health Score: 58/100

MonitorBankRates Rating

2.8

Fair Out of 5.0 Stars

Texas Ratio

40.87%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

SP Trainmen Federal Credit Union
S. P. Trainmen Federal Credit Union

12655 Woodforest Blvd Ste 855
Houston, TX 77015-3466

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Current Rate Availability

We're not currently displaying rates for SP Trainmen Federal Credit Union, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

SP Trainmen Federal Credit Union’s Texas Ratio rose from 12.92% in Q3 2023 to 40.87% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.8 and its Health Grade from A to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3M	40.87%	2.8	F
March 31, 2026	$3M	5.04%	5.0	A+
December 31, 2025	$3M	8.31%	5.0	A
September 30, 2025	$3M	46.43%	2.4	F
June 30, 2025	$3M	32.63%	3.5	D
March 31, 2025	$3M	5.95%	5.0	A+
December 31, 2024	$3M	5.88%	5.0	A+
September 30, 2024	$3M	5.95%	5.0	A+
June 30, 2024	$3M	6.29%	5.0	A
March 31, 2024	$3M	6.41%	5.0	A
December 31, 2023	$3M	6.42%	5.0	A
September 30, 2023	$3M	12.92%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SP Trainmen Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SP Trainmen Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SP Trainmen Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SP Trainmen Federal Credit Union

Website N/A

Address 12655 Woodforest Blvd Ste 855, Houston, TX 77015-3466

Phone 713-453-1010

Fax 713-453-4611

President Darrin Godejohn

CEO Janice Gordon

Full-Time Employees 1

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

2.8 / 5.0 ★

Overall Health & Safety Grade

F (58/100)

Texas Ratio

40.87%

Return on Assets (ROA)

-0.6604%

Return on Equity (ROE)

-6.7487%

Non-Performing Loans Ratio (NPL)

26.03%

Total Assets

2,725,791

Total Amount of Shares and Deposits

2,240,150

Total Shares and Deposits < 1 Year

1,747,150

Total Shares and Deposits 1 3 Years

493,000

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,240,150

Total Interest Expense (Sum of items 6 8)

13,462

Number of Accounts for Regular Shares

427

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

-17,999

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

262,626

Total Liabilities

2,459,073

Source: NCUA — Last Updated 06/30/2026

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Frequently Asked Questions About SP Trainmen Federal Credit Union

How many branches does SP Trainmen Federal Credit Union operate?

SP Trainmen Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SP Trainmen Federal Credit Union?

Yes, to access services at SP Trainmen Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SP Trainmen Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SP Trainmen Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SP Trainmen Federal Credit Union offer online and mobile banking?

Most modern institutions like SP Trainmen Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.