NECHES
Federal • Port Neches, Texas • Est. 1952
Quick Facts
- Charter Number
- #7916
- Type
- Federal
- Established
- 1952
- Headquarters
- Port Neches, Texas 77651
- Address
- PO Box 1118
- Branches
- 11
- ATMs
- 17
- Members
- 81,831
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
81,831 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NECHES |
|---|---|
| Total Assets | $1.1B |
| Members | 81,831 |
| Loans Outstanding | $848.9M |
| Shares & Deposits | $949.1M |
| Net Worth | $169.2M |
| Net Worth Ratio | 15.16% |
| Loan-to-Share Ratio | 89.5% |
| Delinquency Rate | 0.25% |
| Net Income | +$24,097,534 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
11 locations · 17 ATMs
Administration Office
Main Office676 Magnolia Ave
Port Neches, TX 77651
Nall Branch
2239 Nall St
Port Neches, TX 77651-4207
Nederland Branch
2623 Nederland Ave
Nederland, TX 77627
Dowlen Branch
1955 Dowlen Rd
Beaumont, TX 77706-3330
Pearl Branch
1254 Pearl St
Beaumont, TX 77701
Who Can Join NECHES?
Membership Type: Community
Membership eligibility for NECHES may vary. Contact the credit union directly to confirm qualification requirements.
Contact NECHES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. NECHES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, NECHES has 81,831 members and a potential membership field of 1,030,832 people.
NECHES's net worth ratio is 15.16% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.2%, NECHES meets this threshold.
NECHES operates 11 branch locations and has access to 17 ATMs. The main office is located at 676 Magnolia Ave, Port Neches, TX 77651.
NECHES was established in 1952. It is a federal credit union chartered under charter number 7916. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NECHES. All financial data is for informational purposes only.