TellerScore

Gulf Shore Federal Credit Union is a federal credit union headquartered in Texas City, Texas, in business for about 89 years. At the end of Q2 2026 it reported $28.5M in total assets and $24.4M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Gulf Shore Federal Credit Union scores 63/100, which we describe as moderate. That is higher than only 26% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 273rd. Its strongest component is funding & liquidity (100/100; 50% loans-to-deposits, 7% uninsured), and its lowest is loan quality (26/100; 2.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Net worth ratio: 13.38%
Loan quality26/100
Loans 60+ days delinquent ÷ total loans: 2.21%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity100/100
Loans ÷ shares: 49.8% · 6.9% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.03%

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 6 points (57 → 63), mostly because the loan quality component improved by 26 points.

TellerScore
576165Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202458
Q4 202460
Q1 202560
Q2 202557
Q3 202565
Q4 202562
Q1 202664
Q2 202663
Net worth ratio
7.00%10.45%13.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.83%
Q3 202413.78%
Q4 202413.90%
Q1 202513.75%
Q2 202513.71%
Q3 202513.90%
Q4 202513.65%
Q1 202613.16%
Q2 202613.38%
Delinquent loans (60+ days)
1.88%2.59%3.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.89%
Q3 20243.30%
Q4 20242.44%
Q1 20252.56%
Q2 20253.03%
Q3 20252.06%
Q4 20252.10%
Q1 20261.88%
Q2 20262.21%
Return on assets
0.07%0.52%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20240.59%
Q4 20240.23%
Q1 20250.29%
Q2 20250.47%
Q3 20250.38%
Q4 20250.07%
Q1 20260.31%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$28.5M13.38%2.21%0.40%49.8%
Q1 202664$28.7M13.16%1.88%0.31%48.9%
Q4 202562$27.6M13.65%2.10%0.07%51.2%
Q3 202565$27.6M13.90%2.06%0.38%54.1%
Q2 202557$27.9M13.71%3.03%0.47%56.1%
Q1 202560$27.4M13.75%2.56%0.29%57.6%
Q4 202460$27.0M13.90%2.44%0.23%61.2%
Q3 202458$27.7M13.78%3.30%0.59%57.4%
Q2 202462$27.7M13.83%2.89%0.97%60.5%

2,479 peers · Under $100 million in assets

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 ratio13.38%
42nd
Problem loans2.21%
18th
Net charge-offs-0.33%
97th
Return on assets0.40%
37th
Loans to deposits49.8%
64th
Uninsured deposits6.9%
13th
Loan-loss reserves0.00%
37th
Texas ratio7.0%
21st

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InstitutionScoreAssetsCapitalProblem loansCompare
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U. S. I. Federal Credit UnionCredit union Deer Park, TX67 out of 100, Moderate$29.4M18.0%1.31%vs
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs

Deposit insurance

Is my money safe at Gulf Shore Federal Credit Union?

Yes. Gulf Shore Federal Credit Union is a federally insured credit union (NCUA charter #2442). 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 6.9% of shares and deposits ($1.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.38%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Gulf Shore Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gulf Shore Federal Credit Union
Type
Federal credit union
NCUA charter #
2442
RSSD ID
742672
Primary regulator
NCUA
Established
1937
Headquarters
P. O. Box 1499, Texas City, TX 77592
Employees
9

Quick answers

Gulf Shore Federal Credit Union: common questions

Is Gulf Shore Federal Credit Union NCUA insured?

Yes. Gulf Shore Federal Credit Union is a federally insured credit union (NCUA charter #2442). 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 Shore Federal Credit Union's TellerScore?

63 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 Shore Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Texas City

InstitutionScoreAssetsCapitalProblem loansCompare
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Shell Federal Credit UnionCredit union Deer Park, TX79 out of 100, Strong$2.1B13.4%0.71%vs
I.B.E.W. Lu 66 Federal Credit UnionCredit union Pasadena, TX78 out of 100, Strong$11.5M13.8%0.23%vs
Gulf Coast Educators Federal Credit UnionCredit union Pasadena, TX77 out of 100, Strong$1.3B15.7%0.90%vs
Capital BankBank Jacinto City, TX77 out of 100, Strong$689.7M10.8%0.01%vs
Chocolate Bayou Community Federal Credit UnionCredit union Alvin, TX77 out of 100, Strong$158.1M12.9%0.77%vs