TellerScore

Gulf Coast Federal Credit Union (NCUA charter #4060) is based in Corpus Christi, Texas. Its Q2 2026 call report shows $259.8M in total assets and $235.8M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Gulf Coast Federal Credit Union scores 48/100, which we describe as below average. That is higher than only 4% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 362nd. Its strongest component is problem-loan coverage (65/100; 17.5%), and its lowest is capital cushion (34/100; 8.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.35%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.31%
Earnings38/100
Return on assets (annualized): 0.44%
Funding & liquidity63/100
Loans ÷ shares: 97.7% · 4.1% uninsured
Problem-loan coverage65/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 17.48%

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 15 points (33 → 48), mostly because the earnings component improved by 38 points.

TellerScore
283848Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202429
Q3 202434
Q4 202430
Q1 202537
Q2 202533
Q3 202531
Q4 202528
Q1 202648
Q2 202648
Net worth ratio
7.00%7.91%8.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.31%
Q3 20248.82%
Q4 20248.61%
Q1 20257.77%
Q2 20257.93%
Q3 20257.75%
Q4 20257.44%
Q1 20267.97%
Q2 20268.35%
Delinquent loans (60+ days)
0.82%1.57%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.32%
Q3 20242.00%
Q4 20242.30%
Q1 20251.65%
Q2 20251.85%
Q3 20251.99%
Q4 20252.13%
Q1 20260.82%
Q2 20261.31%
Return on assets
-1.13%-0.34%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.64%
Q3 2024-0.64%
Q4 2024-1.13%
Q1 2025-0.20%
Q2 2025-0.55%
Q3 2025-0.50%
Q4 2025-1.11%
Q1 2026-0.01%
Q2 20260.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$259.8M8.35%1.31%0.44%97.7%
Q1 202648$264.9M7.97%0.82%-0.01%95.8%
Q4 202528$277.1M7.44%2.13%-1.11%92.7%
Q3 202531$291.2M7.75%1.99%-0.50%90.7%
Q2 202533$294.7M7.93%1.85%-0.55%92.8%
Q1 202537$309.5M7.77%1.65%-0.20%91.7%
Q4 202430$293.3M8.61%2.30%-1.13%99.4%
Q3 202434$307.0M8.82%2.00%-0.64%98.5%
Q2 202429$324.0M8.31%2.32%-0.64%94.5%

1,341 peers · $100 million – $1 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 ratio8.35%
6th
Problem loans1.31%
18th
Net charge-offs1.46%
4th
Return on assets0.44%
26th
Loans to deposits97.7%
5th
Uninsured deposits4.1%
70th
Loan-loss reserves0.00%
50th
Texas ratio17.5%
3rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs
Energy Capital Credit UnionCredit union Houston, TX52 out of 100, Below average$261.4M9.6%0.64%vs
Border Federal Credit UnionCredit union Del Rio, TX88 out of 100, Very strong$269.8M17.8%0.67%vs
Members Trust of the Southwest Federal Credit UnionCredit union Houston, TX70 out of 100, Strong$273.7M8.5%0.09%vs
Investex Credit UnionCredit union Humble, TX71 out of 100, Strong$245.4M11.4%0.47%vs
Unity One Credit UnionCredit union Fort Worth, TX51 out of 100, Below average$275.9M8.4%0.98%vs

Deposit insurance

Is my money safe at Gulf Coast Federal Credit Union?

Yes. Gulf Coast Federal Credit Union is a federally insured credit union (NCUA charter #4060). 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 4.1% of shares and deposits ($9.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.35%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Gulf Coast Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gulf Coast Federal Credit Union
Type
Federal credit union
NCUA charter #
4060
RSSD ID
330770
Primary regulator
NCUA
Established
1940
Headquarters
P O Box 8849, Corpus Christi, TX 78468
Employees
87

Quick answers

Gulf Coast Federal Credit Union: common questions

Is Gulf Coast Federal Credit Union NCUA insured?

Yes. Gulf Coast Federal Credit Union is a federally insured credit union (NCUA charter #4060). 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 Federal Credit Union's TellerScore?

48 out of 100 (Below average), 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 Federal Credit Union have?

4 offices as of the latest NCUA data.