State credit union · Aurora, North Carolina · NCUA charter #66320
Texas Gulf Carolina Emp
Health score 48/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $1.2M
- Total assets
- 391
- Members
- 35.6%
- Net-worth ratio
Texas Gulf Carolina Emp - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66320: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Texas Gulf Carolina Emp - 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)21
- Earnings (ROA)0
- Member growth83
- Liquidity (loan-to-share)0
Weighted composite: 48/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
35.62% 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 | 35.62% | 30% |
| Delinquency Rate | 3.17% | 25% |
| Return on Assets | -1.61% | 15% |
| Member Growth | 2.89% | 15% |
| Loan-to-Share Ratio | 129.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Texas Gulf Carolina Emp
Texas Gulf Carolina Emp is a state credit union headquartered in Aurora, North Carolina, serving 391 members with $1.2M in total assets and $900K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 48/100 (Below Average), anchored by a net worth ratio of 35.62% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #66320 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
3.17% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 129.89% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -1.61% on net income of $-20086 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 2.89%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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
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 Texas Gulf Carolina Emp financially healthy?
Texas Gulf Carolina Emp scores 48/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 35.62% net worth ratio and a 3.17% delinquency rate.
How does Texas Gulf Carolina Emp compare to other credit unions?
Texas Gulf Carolina Emp scores 48/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Texas Gulf Carolina Emp 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. Texas Gulf Carolina Emp's net worth ratio of 35.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Texas Gulf Carolina Emp offer compared to banks?
Credit unions like Texas Gulf Carolina Emp 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 Texas Gulf Carolina Emp 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.