Side-by-side · Q2 2026 data
Gulf Coast Federal Credit Union vs Energy Capital Credit Union
Credit union
Gulf Coast Federal Credit Union
Corpus Christi, Texas · $100 million – $1 billion
Metric by metric
| Measure | Gulf Coast Federal Credit Union | Energy Capital Credit Union |
|---|---|---|
| TellerScore | 48 | 52 (stronger) |
| Capital cushion | 34 | 46 (stronger) |
| Loan quality | 56 | 79 (stronger) |
| Earnings | 38 (stronger) | 0 |
| Funding & liquidity | 63 | 66 (stronger) |
| Problem-loan coverage | 65 | 89 (stronger) |
| Peer percentile | 4th | 8th |
| Total assets | $259.8M | $261.4M |
| Deposits / shares | $235.8M | $229.2M |
| Capital ratio | 8.35% | 9.59% (stronger) |
| Problem loans | 1.31% | 0.64% (stronger) |
| Net charge-offs | 1.46% (stronger) | 1.81% |
| Return on assets | 0.44% (stronger) | -0.91% |
| Loans ÷ deposits | 97.7% | 94.2% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 10.3% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Energy Capital Credit Union has the higher TellerScore (52 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Federal Credit Union leads on 3 and Energy Capital Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.