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
Call Report peers
Gulf Coast Educators in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Gulf Coast Educators 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Texas, Central Texas Teachers (#86) ties at 91/100; one place down, San Angelo (#88) ties at 91/100.
Gulf Coast Educators Call Report trajectory
Gulf Coast Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $1.26B (2025Q4) to $1.26B (2026Q1).
- Net-worth ratio shifted +0.15 pp (15.45% → 15.60%).
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
Gulf Coast Educators gives up 9 points in total. Member Growth costs the most, 5 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Gulf Coast Educators financially healthy?
On its 2025Q4 NCUA 5300 filing, Gulf Coast Educators scores 91/100 (Excellent), with a 15.60% net worth ratio and 0.90% of loans delinquent. It ranks #902 of 4,374 nationally on health and #87 of 386 in Texas.
How does Gulf Coast Educators compare to other credit unions?
Gulf Coast Educators scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.60% vs 11.18%). Its widest shortfall is delinquency rate (0.90% vs 0.87%).
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?
Gulf Coast Educators 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 Educators's net worth ratio of 15.60% 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.