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Gulf Coast Educators

Pasadena, TX · Charter 5648

NCUA · 9 branches

Q2 2026

$1.3BAssets
$893.2MLoans
$1.1BShares
$199.2MNet 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 0.91%, up 53 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.90% of loans (+9 bps YoY).
  • Capital: net worth / assets of 15.70%, up 19 bps from a year ago.
  • Funding: loans stand at 81.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+53 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+36 bps YoY

Efficiency Ratio (YTD, annualized)

67.15%-780 bps YoY

Net Worth / Assets

15.70%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.47%0.53%0.77%0.91%+53 bps
Return on Equity2.47%3.08%3.41%4.95%5.80%+332 bps
Net Interest Margin3.03%3.02%3.10%3.40%3.39%+36 bps
Efficiency Ratio74.96%74.85%72.78%67.16%67.15%-780 bps
Growth
Asset Growth (YoY)-3.19%-1.18%2.96%1.19%3.36%+655 bps
Loan Growth (YoY)-1.02%-1.31%1.88%1.72%1.87%+289 bps
Share Growth (YoY)1.47%11.56%13.55%10.43%11.22%+975 bps
Asset Quality
Delinquent Loans / Loans0.81%0.84%0.90%0.58%0.90%+9 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 Capital15.52%15.22%15.47%15.60%15.70%+19 bps
Net Worth / Assets15.52%15.22%15.47%15.60%15.70%+19 bps
Liquidity & Funding
Loans / Shares89.37%85.81%84.81%82.70%81.85%-752 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps