Gulf Shore Federal Credit Union Texas City, Texas
Gulf Shore Federal Credit Union is a federal credit union headquartered in Texas City, TX, established in 1937 (NCUA charter 2442), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,969 members and total assets of $28.5M (up 2.5% from Q2 2025), the 226th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 13.38% at Q2 2026, in the well capitalized band.
Also written as Gulf Shore FCU
BankRegReports is independent of Gulf Shore Federal Credit Union and never asks for online banking logins or passwords.
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
- 2442
- Headquarters
- Texas City, TX
- Established
- 1937
- Total assets, Q2 2026
- $28.5M
- Assets vs Q2 2025
- +2.5%
- Members, Q2 2026
- 2,969
- Net worth ratio, Q2 2026
- 13.38%
- Latest call report
- Q2 2026, NCUA 5300 · Gulf Shore Federal Credit Union call report
- Asset rank in state
- 226th of 377 in Texas
- Routing number
- 313189498
- Branches
- 2
It has 192 fewer members than on June 30, 2025 (-6.1%). Its net worth ratio was down 0.33 percentage points from 13.71% on June 30, 2025. New vehicle loans are its largest loan category, $7.2M of $12.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.21% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.38% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Texas
Credit unions merged into Gulf Shore Federal Credit Union
TC Teachers Federal Credit Union (2023) · Marathon Republic Federal Credit Union (2023)
Frequently asked about Gulf Shore Federal Credit Union
How big is Gulf Shore Federal Credit Union?
At Q2 2026 it reported total assets of $28.5M and 2,969 members.
Where is Gulf Shore Federal Credit Union headquartered?
It is headquartered in Texas City, TX, United States.
When was Gulf Shore Federal Credit Union founded?
It was established in 1937, per NCUA records.
Is Gulf Shore Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2442): 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 Shore Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Gulf Shore Federal Credit Union well capitalized?
Its net worth ratio was 13.38% 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 Shore Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.21% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Gulf Shore Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Texas City, TX 77590
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 2442
- RSSD ID
- 742672
- Members
- 2,969
- Potential members
- 40,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.38% | 14.31% | 43rd below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.49% | 0.72% | 40th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.66% | 4.74% | 43rd below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.79% | 3.93% | 44th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 88.86% | 79.83% | 31st below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.67% | 0.78% | 57th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.21% | 0.86% | 23rd bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.46% | 4.70% | 38th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 49.84% | 58.92% | 36th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$28.5M total assets against $27.9M; $24.4M total shares and deposits against $23.8M; $12.2M total loans against $13.4M.
$3.8M net worth against $3.8M.
13.38% net worth ratio against 13.71%.
49.84% loan-to-share ratio against 56.14%.
2.21% delinquency ratio against 3.03%.
0.49% return on assets against 0.66%; 3.66% return on equity against 4.82%.
3.79% net interest margin against 3.77%.
2,969 members against 3,161.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.38% | 0.49% | 2.21% | 49.84% |
| March 31, 2026 | 13.16% | 0.31% | 1.88% | 48.89% |
| December 31, 2025 | 13.65% | -0.85% | 2.10% | 51.17% |
| September 30, 2025 | 13.90% | 0.19% | 2.06% | 54.13% |
| June 30, 2025 | 13.71% | 0.66% | 3.03% | 56.14% |
| March 31, 2025 | 13.75% | 0.29% | 2.56% | 57.57% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.