TellerScore

Gulf Coast Educators Federal Credit Union is a federal credit union headquartered in Pasadena, Texas, in business for about 78 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.1B in member shares and deposits, with 6 offices.

Gulf Coast Educators Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 144th. Capital cushion contributes the most (100/100, 15.70%); earnings contributes the least (56/100, 0.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.70%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.90%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity59/100
Loans ÷ shares: 81.9% · 32.5% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (73 → 77), mostly because the earnings component improved by 21 points.

TellerScore
737679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202475
Q1 202577
Q2 202573
Q3 202574
Q4 202573
Q1 202679
Q2 202677
Net worth ratio
7.00%11.35%15.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.56%
Q3 202414.54%
Q4 202415.46%
Q1 202515.26%
Q2 202515.50%
Q3 202515.20%
Q4 202515.45%
Q1 202615.60%
Q2 202615.70%
Delinquent loans (60+ days)
0.53%0.71%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20240.58%
Q4 20240.76%
Q1 20250.53%
Q2 20250.81%
Q3 20250.84%
Q4 20250.90%
Q1 20260.58%
Q2 20260.90%
Return on assets
0.38%0.65%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.44%
Q4 20240.58%
Q1 20250.47%
Q2 20250.38%
Q3 20250.47%
Q4 20250.53%
Q1 20260.77%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$1.3B15.70%0.90%0.91%81.9%
Q1 202679$1.3B15.60%0.58%0.77%82.7%
Q4 202573$1.3B15.45%0.90%0.53%84.8%
Q3 202574$1.3B15.20%0.84%0.47%85.8%
Q2 202573$1.2B15.50%0.81%0.38%89.4%
Q1 202577$1.2B15.26%0.53%0.47%89.8%
Q4 202475$1.2B15.46%0.76%0.58%94.5%
Q3 202473$1.3B14.54%0.58%0.44%97.0%
Q2 202473$1.3B14.56%0.59%0.41%91.6%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.70%
94th
Problem loans0.90%
32nd
Net charge-offs0.67%
33rd
Return on assets0.91%
61st
Loans to deposits81.9%
67th
Uninsured deposits32.5%
0th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
58th

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Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
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Deposit insurance

Is my money safe at Gulf Coast Educators Federal Credit Union?

Yes. Gulf Coast Educators Federal Credit Union is a federally insured credit union (NCUA charter #5648). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 32.5% of shares and deposits ($354.1M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.70%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Gulf Coast Educators Federal Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Gulf Coast Educators Federal Credit Union reported 488 home-loan applications under HMDA (LEI 549300HC2W2SFF3LU356): 396 originated ($81,620,000 total), 44 denied, and 44 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Gulf Coast Educators Federal Credit Union
Type
Federal credit union
NCUA charter #
5648
RSSD ID
881272
Primary regulator
NCUA
Established
1948
Headquarters
5953 Fairmont Pkwy, Pasadena, TX 77505
Employees
193

Quick answers

Gulf Coast Educators Federal Credit Union: common questions

Is Gulf Coast Educators Federal Credit Union NCUA insured?

Yes. Gulf Coast Educators Federal Credit Union is a federally insured credit union (NCUA charter #5648). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Gulf Coast Educators Federal Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Gulf Coast Educators Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

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