Gulf Coast Educators Federal Credit Union Pasadena, Texas
Gulf Coast Educators Federal Credit Union is a federal credit union headquartered in Pasadena, TX, established in 1948 (NCUA charter 5648), and it is regulated and insured by the NCUA. At Q2 2026 it reported 61,167 members and total assets of $1.27B (up 3.4% from Q2 2025), the 28th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 15.70% at Q2 2026, in the well capitalized band.
Also written as Gulf Coast Educators FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5648
- Headquarters
- Pasadena, TX
- Established
- 1948
- Total assets, Q2 2026
- $1.27B
- Assets vs Q2 2025
- +3.4%
- Members, Q2 2026
- 61,167
- Net worth ratio, Q2 2026
- 15.70%
- Latest call report
- Q2 2026, NCUA 5300 · Gulf Coast Educators Federal Credit Union call report
- Asset rank in state
- 28th of 377 in Texas
- Routing number
- 313087286
- Branches
- 9
It has 644 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.20 percentage points from 15.50% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $489.2M of $893.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 15.70% net worth ratio is above that band's 10.89% median.
Credit unions merged into Gulf Coast Educators Federal Credit Union
Frequently asked about Gulf Coast Educators Federal Credit Union
How big is Gulf Coast Educators Federal Credit Union?
At Q2 2026 it reported total assets of $1.27B and 61,167 members.
Where is Gulf Coast Educators Federal Credit Union headquartered?
It is headquartered in Pasadena, TX, United States.
When was Gulf Coast Educators Federal Credit Union founded?
It was established in 1948, per NCUA records.
Is Gulf Coast Educators Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5648): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Gulf Coast Educators Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Gulf Coast Educators Federal Credit Union well capitalized?
Its net worth ratio was 15.70% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Gulf Coast Educators Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.90% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Gulf Coast Educators Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 81.85% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Pasadena, TX 77505
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 5648
- RSSD ID
- 881272
- Members
- 61,167
- Potential members
- 721,111
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 15.70% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.06% | 0.89% | 62nd above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.73% | 8.07% | 38th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.41% | 3.45% | 48th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 67.15% | 70.59% | 62nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.67% | 1.68% | 51st above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.90% | 0.68% | 35th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.08% | 5.12% | 47th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 81.85% | 88.03% | 34th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.27B total assets against $1.23B; $1.09B total shares and deposits against $981.1M; $893.2M total loans against $876.8M.
$199.2M net worth against $190.4M.
15.70% net worth ratio against 15.50%.
81.85% loan-to-share ratio against 89.37%.
0.90% delinquency ratio against 0.81%.
1.06% return on assets against 0.30%; 6.73% return on equity against 1.91%.
3.41% net interest margin against 3.12%.
61,167 members against 60,523.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.70% | 1.06% | 0.90% | 81.85% |
| March 31, 2026 | 15.60% | 0.77% | 0.58% | 82.70% |
| December 31, 2025 | 15.45% | 0.70% | 0.90% | 84.81% |
| September 30, 2025 | 15.20% | 0.66% | 0.84% | 85.81% |
| June 30, 2025 | 15.50% | 0.30% | 0.81% | 89.37% |
| March 31, 2025 | 15.26% | 0.47% | 0.53% | 89.78% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.