PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gulf Shore

Texas City, TX · Charter 2442

NCUA · 1 branch

Q2 2026

$28.5MAssets
$12.2MLoans
$24.4MShares
$3.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.40%, down 7 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 2.21% of loans (-82 bps YoY).
  • Capital: net worth / assets of 13.38%, down 33 bps from a year ago.
  • Funding: loans stand at 49.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-7 bps YoY

Efficiency Ratio (YTD, annualized)

90.71%+805 bps YoY

Net Worth / Assets

13.38%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.38%0.07%0.31%0.40%-7 bps
Return on Equity3.44%2.74%0.54%2.32%2.98%-46 bps
Net Interest Margin3.77%3.79%3.74%3.58%3.70%-7 bps
Efficiency Ratio82.66%82.58%88.20%92.65%90.71%+805 bps
Growth
Asset Growth (YoY)0.42%-0.66%2.06%4.80%2.46%+204 bps
Loan Growth (YoY)-6.72%-6.44%-13.21%-10.36%-9.12%-240 bps
Share Growth (YoY)0.56%-0.72%3.87%5.57%2.38%+182 bps
Asset Quality
Delinquent Loans / Loans3.03%2.06%2.10%1.88%2.21%-82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.71%13.91%13.65%13.16%13.38%-33 bps
Net Worth / Assets13.71%13.91%13.65%13.16%13.38%-33 bps
Liquidity & Funding
Loans / Shares56.14%54.13%51.17%48.89%49.84%-631 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps