Federal credit union · Wharton, Texas · NCUA charter #2322
TEXASGULF
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $215.5M
- Total assets
- 14,893
- Members
- 14.0%
- Net-worth ratio
TEXASGULF scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $215.5M; members 14,893; net-worth ratio 13.98%; health rank #476 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#476 of 4,374 health · 2025Q4TEXASGULF · health 94/100 · $215.5M · 2025Q4
Call Report peers
TEXASGULF in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TEXASGULF vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TEXASGULF sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
TEXASGULF: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +1.98 pp (74.18% vs 72.20%).
TEXASGULF in Texas
- In Texas, health place is #46 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, TEXASGULF is #101 of 386 in Texas.
- Membership ranks #98 of 386 among Texas CUs with a reported count (14,893 members).
- One place up in Texas, SOUTHLAND (#45) ties at 94/100; one place down, Complex Community (#47) ties at 94/100.
TEXASGULF: 2025Q4 → 2026Q1
TEXASGULF: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $215.5M (2025Q4) to $221.5M (2026Q1).
- Net-worth ratio shifted -0.18 pp (14.16% → 13.98%).
This credit union's 13.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
TEXASGULF gives up 6 points in total. Member Growth costs the most, 4.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for TEXASGULF
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.98% | +1.87 pp |
| Delinquency Rate | 0.62% | -0.27 pp |
| Return on Assets | 0.76% | +0.14 pp |
| Member Growth | 1.45% | - |
| Loan-to-Share Ratio | 74.18% | +1.98 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
TEXASGULF quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $221.5M | - |
| 2025Q4 | $215.5M | 14,893 |
| 2024Q4 | $205.7M | 14,680 |
| 2023Q4 | $188.5M | 14,488 |
Credit Union Details
- Charter Number
- 2322
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Wharton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for TEXASGULF, spread across 2 cities.
| Office | City |
|---|---|
| 2101 N Fulton (Main Office) | Wharton, TX |
| El Campo | El Campo, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- TEXASGULF ranks #476 of 4,374 nationally on financial health and #46 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- H E B is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with H E B
Frequently Asked Questions
Is TEXASGULF financially healthy?
TEXASGULF has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #476 of 4,374 nationally on health and #46 of 386 in Texas. Its net worth ratio is 13.98% and its delinquency rate 0.62%.
How does TEXASGULF compare to other credit unions?
TEXASGULF scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.18% vs 72.20%).
How can I join TEXASGULF?
TEXASGULF 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 TEXASGULF directly for the exact boundaries and application steps.
Is my money safe at TEXASGULF?
TEXASGULF 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. TEXASGULF's net worth ratio of 13.98% 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.