Gulf Coast Educators
Pasadena, TX · Charter 5648 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
$1.3BAssets
$893.2MLoans
$1.1BShares
$199.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions $1B-$10B in assets (rank 26 of 435).
- Widest gap: return on equity trails 68% of credit unions $1B-$10B in assets (rank 294 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.91%
Rank 172 of 435
Net Interest Margin
3.39%
Rank 219 of 435
Efficiency Ratio
67.15%
Rank 140 of 435
Equity / Assets
15.70%
Rank 26 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.55% | 0.81% | 1.14% | Beats 60% | 172 / 435 | |
| Return on Equity | 5.80% | 5.12% | 7.41% | 9.70% | Beats 32% | 294 / 435 | |
| Net Interest Margin | 3.39% | 3.01% | 3.39% | 3.75% | Beats 50% | 219 / 435 | |
| Efficiency Ratio | 67.15% | 65.25% | 71.39% | 77.86% | Beats 68% | 140 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.45% | 0.69% | 1.05% | Beats 33% | 292 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.70% | 9.81% | 10.84% | 12.63% | Beats 94% | 26 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.70% | 9.81% | 10.84% | 12.63% | Beats 94% | 26 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 81.85% | 78.33% | 88.38% | 95.61% | 32nd pctl | 294 / 435 | |
| Loans / Assets | 70.41% | 67.69% | 74.58% | 80.80% | 34th pctl | 285 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |