Gulf Coast Educators

Pasadena, TX · 1 · Charter #5648 · www.gcefcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.3B
18th percentile
Members
60,776
10th percentile
Total loans
$878.2M
16th percentile
Total shares
$1.0B
17th percentile

Profitability

Return on assets
0.79%
35th percentile
Net interest margin
3.10%
42th percentile
Efficiency ratio
50.30%
56th percentile
Non-interest income ratio
19.60%
58th percentile

Capital & Risk

Net worth ratio
15.47%
94th percentile
Delinquency rate
0.90%
36th percentile
Net charge-off rate
0.76%
25th percentile
Loan-to-share
84.81%
38th percentile

Growth

Member growth YoY
0.81%
33th percentile
Asset growth YoY
2.96%
26th percentile
Loan growth YoY
1.88%
28th percentile
Share growth YoY
13.55%
90th percentile

Operations

Members / branch
6,753
40th percentile
Assets / member
$20,713
72th percentile
Field of membership penetration
8.43%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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