Gulf
Groves, TX · Charter 60205 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 5 branches
Q2 2026
$348.6MAssets
$206.8MLoans
$313.7MShares
$34.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 59% of credit unions under $1B in assets in TX (rank 96 of 235).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets in TX (rank 198 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.53%
Rank 125 of 235
Net Interest Margin
3.54%
Rank 151 of 235
Efficiency Ratio
78.58%
Rank 101 of 235
Equity / Assets
9.98%
Rank 198 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.17% | 0.57% | 1.10% | Beats 47% | 125 / 235 | |
| Return on Equity | 5.29% | 1.03% | 4.30% | 7.58% | Beats 59% | 96 / 235 | |
| Net Interest Margin | 3.54% | 3.32% | 3.89% | 4.35% | Beats 36% | 151 / 235 | |
| Efficiency Ratio | 78.58% | 70.60% | 82.00% | 91.57% | Beats 57% | 101 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.20% | 0.59% | 1.14% | Beats 59% | 98 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.98% | 11.30% | 14.41% | 19.49% | Beats 16% | 198 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.98% | 11.30% | 14.41% | 19.49% | Beats 16% | 198 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 65.92% | 54.18% | 67.38% | 81.66% | 47th pctl | 124 / 235 | |
| Loans / Assets | 59.32% | 43.80% | 56.63% | 68.64% | 55th pctl | 105 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |