Federal credit union · Texas City, Texas · NCUA charter #2442
Gulf Shore
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $27.6M
- Total assets
- 3,134
- Members
- 13.2%
- Net-worth ratio
Gulf Shore scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.6M; members 3,134; net-worth ratio 13.16%; health rank #3,819 of 4,374; healthier than 12th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,819 of 4,374 health · 2025Q4Gulf Shore · health 66/100 · $27.6M · 2025Q4
Call Report peers
Gulf Shore in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gulf Shore vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Gulf Shore sits in 65-69 with 275 others.
66 12th percentile higher than 12% 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 Shore
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.63 pp (51.17% vs 59.80%).
Where Gulf Shore sits in Texas
- In Texas, health place is #332 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Gulf Shore is #233 of 386 in Texas.
- Texas membership ordinal: #211 of 386.
- One place up in Texas, Neiman Marcus Group Employees (#331) ties at 66/100; one place down, ACFCU (#333) ties at 66/100.
Gulf Shore: 2025Q4 → 2026Q1
Gulf Shore: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $27.6M (2025Q4) to $28.7M (2026Q1).
- Net-worth ratio shifted -0.49 pp (13.65% → 13.16%).
This credit union's 13.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
Gulf Shore gives up 34 points in total. Delinquency Rate costs the most, 13.1 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.9 pts
- Return on Assets 10.9 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 10.7 pts
Call Report ratios for Gulf Shore
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.16% | -1.70 pp |
| Delinquency Rate | 2.10% | +0.96 pp |
| Return on Assets | 0.23% | -0.48 pp |
| Member Growth | -3.63% | - |
| Loan-to-Share Ratio | 51.17% | -8.63 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Gulf Shore
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.7M | - |
| 2025Q4 | $27.6M | 3,134 |
| 2024Q4 | $27.0M | 3,252 |
| 2023Q4 | $27.6M | 3,248 |
Credit Union Details
- Charter Number
- 2442
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Texas City
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Gulf Shore.
| Office | City |
|---|---|
| Gulf Shore FCU (Main Office) | Texas City, TX |
| T C Teachers/Gulf Shore | Texas City, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Gulf Shore
Similar total assets
Similar health score
Using this data
- Gulf Shore ranks #3,819 of 4,374 nationally on financial health and #332 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Union Fidelity is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Union Fidelity
Frequently Asked Questions
Is Gulf Shore financially healthy?
On its 2025Q4 NCUA 5300 filing, Gulf Shore scores 66/100 (Good), with a 13.16% net worth ratio and 2.10% of loans delinquent. It ranks #3,819 of 4,374 nationally on health and #332 of 386 in Texas.
How does Gulf Shore compare to other credit unions?
Gulf Shore scores 66/100, higher than 12% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (51.17% vs 59.80%).
How can I join Gulf Shore?
Gulf Shore 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 Shore directly for the exact boundaries and application steps.
Is my money safe at Gulf Shore?
Gulf Shore 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 Shore's net worth ratio of 13.16% 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.