State credit union · Aurora, North Carolina · NCUA charter #66320
Texas Gulf Carolina Emp
Health score 48/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $1.2M
- Total assets
- 391
- Members
- 36.2%
- Net-worth ratio
Texas Gulf Carolina Emp scores 48/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.2M; members 391; net-worth ratio 36.22%; health rank #4,287 of 4,374; healthier than 2nd of scored peers.
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#4,287 of 4,374 health · 2025Q4Texas Gulf Carolina Emp · health 48/100 · $1.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Texas Gulf Carolina Emp vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Texas Gulf Carolina Emp sits in 45-49 with 39 others.
48 2nd percentile higher than 2% 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
Texas Gulf Carolina Emp: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 129.89% here, 52.70% peer average (+77.19 pp).
- Widest shortfall vs peers is Return on Assets: -1.83 pp (-1.61% vs 0.22%).
Texas Gulf Carolina Emp in North Carolina
- In North Carolina, health place is #55 of 57 on the same NCUA-ratio sort used nationally.
- Assets rank #56 of 57 inside North Carolina ($1.2M reported).
- North Carolina membership ordinal: #56 of 57.
- One place up in North Carolina, First Carolina People's (#54) scores 51/100, 3 points higher; one place down, Lion's Share (#56) scores 40/100, 8 points lower.
Texas Gulf Carolina Emp Call Report trajectory
Texas Gulf Carolina Emp: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.2% from $1.2M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted +0.60 pp (35.62% → 36.22%).
36.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 48/100 score is built
Texas Gulf Carolina Emp gives up 52 points in total. Delinquency Rate costs the most, 19.8 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.2 pts
- Return on Assets 0.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 0.3 pts
Texas Gulf Carolina Emp health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 36.22% | +13.29 pp |
| Delinquency Rate | 3.17% | -1.31 pp |
| Return on Assets | -1.61% | -1.83 pp |
| Member Growth | 2.89% | - |
| Loan-to-Share Ratio | 129.89% | +77.19 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Texas Gulf Carolina Emp quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.2M | - |
| 2025Q4 | $1.2M | 391 |
| 2024Q4 | $1.5M | 380 |
| 2023Q4 | $1.9M | 406 |
Credit Union Details
- Charter Number
- 66320
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- North Carolina
- City
- Aurora
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Texas Gulf Carolina Emp, spread across 2 cities.
| Office | City |
|---|---|
| Lee Creek (Main Office) | Aurora, NC |
| PCS ADM BLDG | Aurora, NC |
| Quesha's | Aurora, NC |
| CBS | Goldsboro, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
- MOUNT VERNON BAPTIST CHURCHDurham, NC · Under $2M60Health
- HSMHICKORY, NC · $2M–$10M76Health
- ARCADEAsheville, NC · $2M–$10M82Health
- ALLVAC SAVINGS ANDMONROE, NC · $2M–$10M94Health
- GUCOGreenville, NC · $2M–$10M73Health
Compare Texas Gulf Carolina Emp vs MOUNT VERNON BAPTIST CHURCH
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Texas Gulf Carolina Emp ranks #4,287 of 4,374 nationally on financial health and #55 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mount Vernon Baptist Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mount Vernon Baptist Church
Frequently Asked Questions
Is Texas Gulf Carolina Emp financially healthy?
Texas Gulf Carolina Emp has a financial health score of 48/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,287 of 4,374 nationally on health and #55 of 57 in North Carolina. Its net worth ratio is 36.22% and its delinquency rate 3.17%.
How does Texas Gulf Carolina Emp compare to other credit unions?
Texas Gulf Carolina Emp scores 48/100, higher than 2% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (129.89% vs 52.70%). Its widest shortfall is return on assets (-1.61% vs 0.22%).
How can I join Texas Gulf Carolina Emp?
Membership eligibility for Texas Gulf Carolina Emp depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Texas Gulf Carolina Emp directly for current membership requirements and application steps.
Is my money safe at Texas Gulf Carolina Emp?
Texas Gulf Carolina Emp is a state-chartered 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. Texas Gulf Carolina Emp's net worth ratio of 36.22% 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.