PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gulf

Groves, TX · Charter 60205

NCUA · 5 branches

Q2 2026

$348.6MAssets
$206.8MLoans
$313.7MShares
$34.8MNet 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 0.53%, up 22 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.45% of loans (-88 bps YoY).
  • Capital: net worth / assets of 9.98%, down 35 bps from a year ago.
  • Funding: loans stand at 65.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+38 bps YoY

Efficiency Ratio (YTD, annualized)

78.58%-856 bps YoY

Net Worth / Assets

9.98%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.16%0.28%0.35%0.53%+22 bps
Return on Equity2.96%1.58%2.79%3.54%5.29%+233 bps
Net Interest Margin3.16%3.25%3.17%3.39%3.54%+38 bps
Efficiency Ratio87.14%86.22%84.51%82.79%78.58%-856 bps
Growth
Asset Growth (YoY)2.61%3.80%8.84%7.06%6.88%+427 bps
Loan Growth (YoY)5.57%4.67%9.17%12.72%14.52%+895 bps
Share Growth (YoY)2.32%3.56%7.91%6.28%6.44%+411 bps
Asset Quality
Delinquent Loans / Loans1.33%0.24%0.43%0.37%0.45%-88 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 Capital10.33%10.23%9.95%9.80%9.98%-35 bps
Net Worth / Assets10.33%10.23%9.95%9.80%9.98%-35 bps
Liquidity & Funding
Loans / Shares61.27%62.12%62.26%63.64%65.92%+465 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps