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
- MEM 66/100
- RANK 13.2%
- PHOTO 2.10%
- BOOK 0.23%
- CHARTER $27.6M
- NCUSIF 3,134
- CAMELS #3,819/4,374
- HEALTH Jemez Valley
- NW 2442
Call Report peers
Gulf Shore in the assets neighbourhood
Gulf Shore's $27.6M assets sit next to Jemez Valley ($27.6M) 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 Shore 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
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
Gulf Shore - Share Insurance Coverage
Charter #2442's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Gulf Shore
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.63 pp (51.17% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Shore: 2025Q4 → 2026Q1
Gulf Shore: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $27.6M (2025Q4) to $28.7M (2026Q1).
- Net-worth ratio shifted -0.49 pp (13.65% → 13.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Gulf Shore, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($27.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
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
- 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 Shore financially healthy?
A 13.16% net worth ratio and a 2.10% delinquency rate feed into Gulf Shore's financial health score of 66/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,819 of 4,374; by total assets it ranks #2,923 of 4,374 nationally (same basis as /rankings/largest); and #233 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Gulf Shore compare to other credit unions?
PlainCU's health composite puts Gulf Shore at 66/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Gulf Shore 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 Shore's net worth ratio of 13.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gulf Shore offer compared to banks?
Credit unions like Gulf Shore 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 Shore 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.