TellerScore

Headquartered in Groves, Texas, Gulf Credit Union is a federally insured state-chartered credit union with $348.6M in total assets and $313.7M in member shares and deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1941.

Gulf Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 234th. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (41/100, 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 9.98%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity94/100
Loans ÷ shares: 65.9% · 4.8% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.65%

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 8 points (60 → 68), mostly because the loan quality component improved by 29 points.

TellerScore
586469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202459
Q4 202461
Q1 202558
Q2 202560
Q3 202568
Q4 202566
Q1 202667
Q2 202668
Net worth ratio
7.00%8.84%10.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.42%
Q3 202410.54%
Q4 202410.69%
Q1 202510.22%
Q2 202510.32%
Q3 202510.23%
Q4 20259.95%
Q1 20269.80%
Q2 20269.98%
Delinquent loans (60+ days)
0.24%0.88%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.45%
Q3 20241.52%
Q4 20241.37%
Q1 20251.33%
Q2 20251.33%
Q3 20250.24%
Q4 20250.43%
Q1 20260.37%
Q2 20260.45%
Return on assets
0.14%0.33%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.36%
Q4 20240.38%
Q1 20250.14%
Q2 20250.31%
Q3 20250.16%
Q4 20250.28%
Q1 20260.35%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$348.6M9.98%0.45%0.53%65.9%
Q1 202667$348.5M9.80%0.37%0.35%63.6%
Q4 202566$340.4M9.95%0.43%0.28%62.3%
Q3 202568$328.1M10.23%0.24%0.16%62.1%
Q2 202560$326.2M10.32%1.33%0.31%61.3%
Q1 202558$325.6M10.22%1.33%0.14%60.0%
Q4 202461$312.8M10.69%1.37%0.38%61.5%
Q3 202459$316.1M10.54%1.52%0.36%61.5%
Q2 202469$317.8M10.42%0.45%0.40%59.4%

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 ratio9.98%
28th
Problem loans0.45%
70th
Net charge-offs0.73%
19th
Return on assets0.53%
33rd
Loans to deposits65.9%
69th
Uninsured deposits4.8%
62nd
Loan-loss reserves0.00%
50th
Texas ratio2.7%
67th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First Basin Credit UnionCredit union Odessa, TX75 out of 100, Strong$343.2M11.5%0.29%vs
Mobility Credit UnionCredit union Irving, TX48 out of 100, Below average$357.6M8.0%0.97%vs
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Pioneer Mutual Federal Credit UnionCredit union Sugar Land, TX77 out of 100, Strong$363.1M11.8%0.32%vs
Texoma Community Credit UnionCredit union Wichita Falls, TX63 out of 100, Moderate$325.5M11.2%0.70%vs

Deposit insurance

Is my money safe at Gulf Credit Union?

Yes. Gulf Credit Union is a federally insured credit union (NCUA charter #60205). 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 4.8% of shares and deposits ($15.2M) 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 9.98%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Gulf Credit Union lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Gulf Credit Union reported 97 home-loan applications under HMDA (LEI 549300JPKIA8GCDBEI29): 81 originated ($13,545,000 total), 15 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.5%, 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 Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60205
RSSD ID
565899
Primary regulator
State + NCUA
Established
1941
Headquarters
P. O. Box 848, Groves, TX 77619
Employees
80

Quick answers

Gulf Credit Union: common questions

Is Gulf Credit Union NCUA insured?

Yes. Gulf Credit Union is a federally insured credit union (NCUA charter #60205). 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 Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Credit Union have?

5 offices as of the latest NCUA data, in 2 states.