Federal credit union · Pasadena, Texas · NCUA charter #5648
Gulf Coast Educators
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.26B
- Total assets
- 60,776
- Members
- 15.6%
- Net-worth ratio
Gulf Coast Educators scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.26B; members 60,776; net-worth ratio 15.60%; health rank #902 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#902 of 4,374 health · 2025Q4Gulf Coast Educators · health 91/100 · $1.26B · 2025Q4
- NW 91/100
- DELQ 15.6%
- ROA 0.90%
- ASSETS 0.56%
- MEM $1.26B
- RANK 60,776
- PHOTO #902/4,374
- BOOK Los Angeles
- CHARTER 5648
Call Report peers
Gulf Coast Educators in the assets neighbourhood
Gulf Coast Educators's $1.26B assets sit next to Los Angeles ($1.26B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gulf Coast Educators 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
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 Coast Educators - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5648. See our deposit-insurance coverage note.
Peer-gap read for Gulf Coast Educators
- Net Worth Ratio leads the peer set - 15.60% here, 11.18% peer average (+4.42 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.03 pp (0.90% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Gulf Coast Educators in Texas
- In Texas, health place is #87 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #28 of 386.
- Texas membership ordinal: #38 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Gulf Coast Educators Call Report trajectory
Gulf Coast Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $1.26B (2025Q4) to $1.26B (2026Q1).
- Net-worth ratio shifted +0.15 pp (15.45% → 15.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.60% | +4.42 pp |
| Delinquency Rate | 0.90% | +0.03 pp |
| Return on Assets | 0.56% | +0.05 pp |
| Member Growth | 0.81% | - |
| Loan-to-Share Ratio | 84.81% | +0.91 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Gulf Coast Educators filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.26B | - |
| 2025Q4 | $1.26B | 60,776 |
| 2024Q4 | $1.22B | 60,289 |
| 2023Q4 | $1.31B | 57,372 |
Credit Union Details
- Charter Number
- 5648
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Over $500M
- State
- Texas
- City
- Pasadena
- Data Quarter
- 2025Q4
Branch Locations (9)
Gulf Coast Educators operates 9 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Pasadena Office (Main Office) | Pasadena, TX |
| Baytown Office | Baytown, TX |
| Summerwood Office | Houston, TX |
| Katy Office | Katy, TX |
| League City Office | League City, TX |
| Pearland East Office | Pearland, TX |
| Pearland West Office | Pearland, TX |
| Rosenberg Office | Rosenberg, TX |
| Sweeny Office | Sweeny, 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.
Cross-state Call Report peers for Gulf Coast Educators
Cross-state asset and health neighbours for Gulf Coast Educators - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.26B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Gulf Coast Educators ranks #902 of 4,374 nationally on financial health and #87 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AMPLIFY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AMPLIFY
- 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 Gulf Coast Educators financially healthy?
Gulf Coast Educators has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #902 of 4,374; by total assets it ranks #385 of 4,374 nationally (same basis as /rankings/largest); and #28 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.60% and delinquency rate of 0.90%.
How does Gulf Coast Educators compare to other credit unions?
91/100 is Gulf Coast Educators's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Gulf Coast Educators?
Gulf Coast Educators is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Gulf Coast Educators directly to confirm eligibility.
Is my money safe at Gulf Coast Educators?
Federal credit unions like Gulf Coast Educators 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. Gulf Coast Educators's net worth ratio of 15.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gulf Coast Educators offer compared to banks?
Credit unions like Gulf Coast Educators 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 Gulf Coast Educators 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.