Credit Union Safety Analysis
Is Texas Gulf Credit Union Safe? Aurora, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Texas Gulf Credit Union has a net worth ratio of 36.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 9.84%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Texas Gulf Credit Union's net worth ratio is 36.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 36.27%
- Delinquency ratio (60+ days) (Q2 2026): 9.84%
- Return on assets (Q2 2026): -4.87%
- Loan-to-share ratio (Q2 2026): 106.12%
Texas Gulf Credit Union (NCUA charter 66320, established 1968) reported $1.1M in assets and 383 members for Q2 2026 from Aurora, North Carolina. It ranks 55 of 56 credit unions in North Carolina by total assets. Total assets fell 24.3% from $1.5M on June 30, 2025. It has 17 fewer members than on June 30, 2025 (-4.2%). Its net worth ratio was up 2.79 percentage points from 33.48% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $469K of $769K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 9.84% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 36.22% for Q1 2026; 33.48% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 9.33% for Q1 2026; 0.84% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -5.91% for Q1 2026; -9.56% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 118.01% for Q1 2026; 95.13% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $469K
- Used vehicle loans: $204K
- Other secured non-real estate loans and lines of credit: $57K
- New vehicle loans: $40K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.1M | 36.27% | 9.84% | -4.87% | 106.12% |
| March 31, 2026 | $1.2M | 36.22% | 9.33% | -5.91% | 118.01% |
| December 31, 2025 | $1.2M | 35.62% | 3.17% | -43.34% | 129.89% |
| September 30, 2025 | $1.4M | 33.20% | 5.14% | -1.98% | 103.97% |
| June 30, 2025 | $1.5M | 33.48% | 0.84% | -9.56% | 95.13% |
| March 31, 2025 | $1.3M | 19.23% | 8.07% | -2.08% | 100.19% |
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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.
Texas Gulf Credit Union profile
Regulator records: NCUA credit union profile (charter 66320) · FFIEC NIC profile (RSSD 1008197)
Frequently asked questions
Is Texas Gulf Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Texas Gulf Credit Union's net worth ratio is 36.27%, above the 7% NCUA threshold for well capitalized.
Is Texas Gulf Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Texas Gulf Credit Union is a federally insured credit union (NCUA charter 66320): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Texas Gulf Credit Union's key safety ratios?
For Q2 2026, Texas Gulf Credit Union reports net worth 36.27%, delinquency 9.84%, ROA -4.87%, loan-to-share 106.12%.
What happens to my money if Texas Gulf Credit Union fails?
For Q2 2026, Texas Gulf Credit Union held $725K in shares and deposits for 383 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.