Credit Union Safety Analysis
Is Gulf Credit Union Safe? Port Arthur, Texas
Based on its Q2 2026 NCUA 5300 call report, Gulf Credit Union has a net worth ratio of 9.98%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.45%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Gulf Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Gulf Credit Union's net worth ratio is 9.98%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.98%
- Delinquency ratio (60+ days) (Q2 2026): 0.45%
- Return on assets (Q2 2026): 0.71%
- Loan-to-share ratio (Q2 2026): 65.92%
Gulf Credit Union (NCUA charter 60205, established 1955) reported $348.6M in assets and 24,563 members for Q2 2026 from Port Arthur, Texas. It ranks 77 of 377 credit unions in Texas by total assets. Total assets grew 6.9% from $326.2M on June 30, 2025. It has 409 more members than on June 30, 2025 (+1.7%). Its net worth ratio was down 0.34 percentage points from 10.32% on June 30, 2025. Used vehicle loans are its largest loan category, $69.0M of $206.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.80% for Q1 2026; 10.32% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.37% for Q1 2026; 1.33% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.35% for Q1 2026; 0.47% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 63.64% for Q1 2026; 61.27% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $69.0M
- New vehicle loans: $39.6M
- 1- to 4-family residential and other consumer real estate loans: $36.5M
- Commercial loans: $35.2M
- Other secured non-real estate loans and lines of credit: $13.7M
- Other unsecured loans and lines of credit: $12.8M
- Unsecured credit card loans: $15K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $348.6M | 9.98% | 0.45% | 0.71% | 65.92% |
| March 31, 2026 | $348.5M | 9.80% | 0.37% | 0.35% | 63.64% |
| December 31, 2025 | $340.4M | 9.95% | 0.43% | 0.64% | 62.26% |
| September 30, 2025 | $328.1M | 10.23% | 0.24% | -0.12% | 62.12% |
| June 30, 2025 | $326.2M | 10.32% | 1.33% | 0.47% | 61.27% |
| March 31, 2025 | $325.6M | 10.22% | 1.33% | 0.14% | 60.01% |
Add this badge to your website
Free to use. It shows Gulf Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60205) · FFIEC NIC profile (RSSD 565899)
Frequently asked questions
Is Gulf Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Gulf Credit Union's net worth ratio is 9.98%, above the 7% NCUA threshold for well capitalized.
Is Gulf Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Gulf Credit Union is a federally insured credit union (NCUA charter 60205): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Gulf Credit Union's key safety ratios?
For Q2 2026, Gulf Credit Union reports net worth 9.98%, delinquency 0.45%, ROA 0.71%, loan-to-share 65.92%.
What happens to my money if Gulf Credit Union fails?
For Q2 2026, Gulf Credit Union held $313.7M in shares and deposits for 24,563 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.