State credit union · Dickinson, Texas · NCUA charter #67427
Galveston Government Employees
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $7.0M
- Total assets
- 1,741
- Members
- 10.3%
- Net-worth ratio
Galveston Government Employees scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.0M; members 1,741; net-worth ratio 10.35%; health rank #4,065 of 4,374; healthier than 7th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,065 of 4,374 health · 2025Q4Galveston Government · health 60/100 · $7.0M · 2025Q4
- MEM 60/100
- RANK 10.3%
- PHOTO 3.69%
- BOOK 0.23%
- CHARTER $7.0M
- NCUSIF 1,741
- CAMELS #4,065/4,374
- HEALTH n/a
- NW 67427
Call Report peers
Galveston Government Employees carries $7.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Galveston Government Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Galveston Government Employees - Share Insurance Coverage
Charter #67427's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Galveston Government Employees: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +15.87 pp (79.47% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -8.71 pp (10.35% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Galveston Government Employees in Texas
- Texas health ordinal: #361 of 386.
- By total assets, Galveston Government Employees is #327 of 386 in Texas.
- Membership ranks #269 of 386 among Texas CUs with a reported count (1,741 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Galveston Government Employees's 5300 filing moved
Galveston Government Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $7.0M (2025Q4) to $6.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.48% → 10.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 1.9 pts
- Return on Assets 11.0 pts
- Member Growth 1.7 pts
- Loan-to-Share Ratio 15.4 pts
Galveston Government Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.35% | -8.71 pp |
| Delinquency Rate | 3.69% | +1.88 pp |
| Return on Assets | 0.23% | -0.22 pp |
| Member Growth | -4.08% | - |
| Loan-to-Share Ratio | 79.47% | +15.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Galveston Government Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.9M | - |
| 2025Q4 | $7.0M | 1,741 |
| 2024Q4 | $7.8M | 1,815 |
| 2023Q4 | $7.1M | 1,884 |
Credit Union Details
- Charter Number
- 67427
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Dickinson
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Galveston Government Employees runs one office.
| Office | City |
|---|---|
| GGECU (Main Office) | La Marque, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
- VICTORIA CITY-COUNTY EMPLOYEESVictoria, TX · $2M–$10M86Health
- LIGHT COMMERCEHOUSTON, TX · $2M–$10M75Health
- ANDREWS SCHOOLAndrews, TX · $2M–$10M67Health
- HIGHWAY DISTRICT 19 EMPLOYEESATLANTA, TX · $2M–$10M81Health
- SHERWINPortland, TX · $2M–$10M80Health
Compare Galveston Government Employees vs VICTORIA CITY-COUNTY EMPLOYEES
Galveston Government Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Galveston Government Employees, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- Galveston Government Employees ranks #4,065 of 4,374 nationally on financial health and #361 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Victoria City-County Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Victoria City-County Employees
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Galveston Government Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Galveston Government Employees carries a financial health score of 60/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,065 of 4,374; by total assets it ranks #3,732 of 4,374 nationally (same basis as /rankings/largest); and #327 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.35% net worth ratio and a 3.69% delinquency rate.
How does Galveston Government Employees compare to other credit unions?
60/100 is Galveston Government Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Galveston Government Employees?
Membership eligibility for Galveston Government Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Galveston Government Employees directly for current membership requirements and application steps.
Is my money safe at Galveston Government Employees?
Federal credit unions like Galveston Government Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Galveston Government Employees's net worth ratio of 10.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Galveston Government Employees offer compared to banks?
Credit unions like Galveston Government Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Galveston Government Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.