State credit union · Groves, Texas · NCUA charter #60205
GULF
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $340.4M
- Total assets
- 24,442
- Members
- 9.8%
- Net-worth ratio
GULF scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $340.4M; members 24,442; net-worth ratio 9.80%; health rank #997 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#997 of 4,374 health · 2025Q4GULF · health 91/100 · $340.4M · 2025Q4
Call Report peers
GULF in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GULF vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GULF sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
GULF vs $100M–$500M peers
- Largest favorable gap: Delinquency Rate at 0.43% vs peer 0.89% (-0.46 pp).
- Loan-to-Share Ratio trails the peer set - 62.26% here, 72.20% peer average (-9.94 pp).
Texas standing for GULF
- Texas health ordinal: #96 of 386.
- Assets rank #79 of 386 inside Texas ($340.4M reported).
- Texas membership ordinal: #77 of 386.
- One place up in Texas, United Heritage (#95) ties at 91/100; one place down, Members Trust of the Southwest (#97) ties at 91/100.
How GULF's 5300 filing moved
GULF: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $340.4M (2025Q4) to $348.5M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.95% → 9.80%).
This credit union's 9.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
GULF gives up 9 points in total. Member Growth costs the most, 4.5 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.8 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 13.2 pts
GULF health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.80% | -2.31 pp |
| Delinquency Rate | 0.43% | -0.46 pp |
| Return on Assets | 0.35% | -0.27 pp |
| Member Growth | 1.21% | - |
| Loan-to-Share Ratio | 62.26% | -9.94 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $348.5M | - |
| 2025Q4 | $340.4M | 24,442 |
| 2024Q4 | $312.8M | 24,149 |
| 2023Q4 | $318.0M | 23,929 |
Credit Union Details
- Charter Number
- 60205
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Groves
- Data Quarter
- 2025Q4
Branch Locations (7)
GULF operates 7 offices across 5 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administration Office (Main Office) | Port Arthur, TX |
| Beaumont | Beaumont, TX |
| Fannett | Beaumont, TX |
| Groves | Groves, TX |
| Bridge City | Orange, TX |
| Mid County | Port Arthur, TX |
| CMC Flex | Sandy, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for GULF
Similar total assets
Similar health score
Using this data
- GULF ranks #997 of 4,374 nationally on financial health and #96 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pioneer Mutual is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pioneer Mutual
Frequently Asked Questions
Is GULF financially healthy?
On its 2025Q4 NCUA 5300 filing, GULF scores 91/100 (Excellent), with a 9.80% net worth ratio and 0.43% of loans delinquent. It ranks #997 of 4,374 nationally on health and #96 of 386 in Texas.
How does GULF compare to other credit unions?
GULF scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.43% vs 0.89%). Its widest shortfall is loan-to-share ratio (62.26% vs 72.20%).
How can I join GULF?
Membership eligibility for GULF depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GULF directly for current membership requirements and application steps.
Is my money safe at GULF?
GULF is a state-chartered credit union; its shares are federally 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. GULF's net worth ratio of 9.80% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.