Federal credit union · CORPUS CHRISTI, Texas · NCUA charter #4060
Gulf Coast
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $277.1M
- Total assets
- 18,686
- Members
- 8.0%
- Net-worth ratio
Gulf Coast scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $277.1M; members 18,686; net-worth ratio 7.97%; health rank #4,124 of 4,374; healthier than 6th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,124 of 4,374 health · 2025Q4Gulf Coast · health 58/100 · $277.1M · 2025Q4
Call Report peers
Gulf Coast in the assets neighbourhood
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Gulf Coast vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Gulf Coast sits in 55-59 with 115 others.
58 6th percentile higher than 6% 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
Peer-gap read for Gulf Coast
- Largest favorable gap: Loan-to-Share Ratio at 92.69% vs peer 72.20% (+20.49 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.14 pp (7.97% vs 12.11%).
Where Gulf Coast sits in Texas
- In Texas, health place is #364 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Gulf Coast is #86 of 386 in Texas.
- Membership ranks #89 of 386 among Texas CUs with a reported count (18,686 members).
- One place up in Texas, Our Mother of Mercy Parish Houston (#363) ties at 58/100; one place down, Resource One (#365) ties at 58/100.
Quarter path for Gulf Coast
Gulf Coast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.4% from $277.1M (2025Q4) to $264.9M (2026Q1).
- Net-worth ratio shifted +0.53 pp (7.44% → 7.97%).
This credit union's 7.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 58/100 score is built
Gulf Coast gives up 42 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 1.2.
- Net Worth Ratio 24.9 pts
- Delinquency Rate 11.7 pts
- Return on Assets 0.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 13.3 pts
Gulf Coast vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.97% | -4.14 pp |
| Delinquency Rate | 2.13% | +1.24 pp |
| Return on Assets | -1.19% | -1.82 pp |
| Member Growth | -0.52% | - |
| Loan-to-Share Ratio | 92.69% | +20.49 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Gulf Coast quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $264.9M | - |
| 2025Q4 | $277.1M | 18,686 |
| 2024Q4 | $293.3M | 18,783 |
| 2023Q4 | $326.1M | 17,391 |
Credit Union Details
- Charter Number
- 4060
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- CORPUS CHRISTI
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Gulf Coast, spread across 5 cities.
| Office | City |
|---|---|
| Rodd Field (Main Office) | Corpus Christi, TX |
| Alice | Alice, TX |
| Staples Branch | Corpus Christi, TX |
| McAllen | McAllen, TX |
| Port Aransas | Port Aransas, TX |
| Portland Branch | Portland, 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.
Gulf Coast nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Gulf Coast ranks #4,124 of 4,374 nationally on financial health and #364 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Unity One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Unity One
Frequently Asked Questions
Is Gulf Coast financially healthy?
On its 2025Q4 NCUA 5300 filing, Gulf Coast scores 58/100 (Fair), with a 7.97% net worth ratio and 2.13% of loans delinquent. It ranks #4,124 of 4,374 nationally on health and #364 of 386 in Texas.
How does Gulf Coast compare to other credit unions?
Gulf Coast scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (92.69% vs 72.20%). Its widest shortfall is net worth ratio (7.97% vs 12.11%).
How can I join Gulf Coast?
Gulf Coast operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Gulf Coast directly for the exact boundaries and application steps.
Is my money safe at Gulf Coast?
Gulf Coast is a federal 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 Coast's net worth ratio of 7.97% 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.