Federal credit union · Pasadena, Texas · NCUA charter #5648
Gulf Coast Educators
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.26B
- Total assets
- 60,776
- Members
- 15.4%
- Net-worth ratio
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.
Gulf Coast Educators - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)84
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)100
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.37% | 30% |
| Delinquency Rate | 0.90% | 25% |
| Return on Assets | 0.56% | 15% |
| Member Growth | 0.81% | 15% |
| Loan-to-Share Ratio | 84.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Gulf Coast Educators
60,776 members and $1.26B in total assets sit behind Gulf Coast Educators, a federal credit union in Pasadena, Texas, which posts a health score of 91/100 (Excellent) on the five-factor composite, with $878.2M in outstanding loans as of Q4 2025 and a net worth ratio of 15.37% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #5648 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.90% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 84.81% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.56% on net income of $7.0M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.81%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Single Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.37% 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 15.37% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.