GULF COAST
Charter #4060 | TX
100M-500M
(1077 CUs)
Micro
($0-$500M)
79 100M-500M in TX
GULF COAST faces 15 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 3.6% in tier
- - Deposit Outflow: Bottom 4.1% in tier
- - Indirect Auto Dependency: Bottom 22.5% in tier
- - Liquidity Strain: Bottom 33.1% in tier
- - ROA 1.29% below tier average
- - Delinquency rate 1.13% above tier average
- - Share Certificate Concentration (%): Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 2.4% in tier
- - Members Per Employee (MPE): Bottom 2.6% in tier
- - AMR Growth Rate: Bottom 2.7% in tier
- - Net Worth Ratio: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 3.5% in tier
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - Deposit Growth Rate: Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,701
-0.5% YoY-1.1% QoQ
|
+3.1K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
70th in tier |
| Assets |
$291.2M
-5.1% YoY-1.2% QoQ
|
+$59.9M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
72nd in tier |
| Loans |
$241.6M
-11.7% YoY-3.5% QoQ
|
+$93.8M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 15.7% in tier |
| Deposits |
$266.2M
-4.2% YoY-1.3% QoQ
|
+$65.9M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
74th in tier |
| ROA |
-0.5%
-18.8% YoY-6.4% QoQ
|
-1.3% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.0% in tier |
| NIM |
3.2%
+22.0% YoY+5.9% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
28th in tier |
| Efficiency Ratio |
75.9%
-2.1% YoY-4.0% QoQ
|
-1.3% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
46th in tier |
| Delinquency Rate |
2.0%
-0.3% YoY+7.9% QoQ
|
+1.1 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.1% in tier |
| Loan To Share |
90.7%
-7.8% YoY-2.2% QoQ
|
+18.0% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 14.2% in tier |
| AMR |
$27,153
-7.4% YoY-1.3% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
74th in tier |
| CD Concentration |
53.6%
+5.2% YoY+0.1% QoQ
|
+29.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
36.6%
-15.1% YoY-5.4% QoQ
|
+22.6% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Shrinking Wallet Share
decline
#37 of 244 • Bottom 3.6% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-7.43%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank worsening
Deposit Outflow
decline
#25 of 114 • Bottom 4.1% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-4.16%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$291.18M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#363 of 525 • Bottom 22.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-5.14%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
36.60%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-0.49%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank worsening
Liquidity Strain
risk
#257 of 258 • Bottom 33.1% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
90.75%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
-11.67%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank worsening
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (4 metrics)
153
Loan-to-Share Ratio
balance_sheet
Value:
90.75%
Peer Avg: 72.70%
#153 of 1077
Top 14.1% in 100M-500M tier
169
Total Loans
balance_sheet
Value:
$241.58M
Peer Avg: $147.80M
#169 of 1077
Top 15.6% in 100M-500M tier
198
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,918
Peer Avg: $10,245
#198 of 1077
Top 18.3% in 100M-500M tier
244
Fee Income Per Member
profitability
Value:
$219.68
Peer Avg: $174.31
#244 of 1077
Top 22.6% in 100M-500M tier
Top Weaknesses (11 metrics)
1071
Share Certificate Concentration (%)
balance_sheet
Value:
53.64%
Peer Avg: 23.61%
#1071 of 1077
Bottom 0.6% in 100M-500M tier
1055
Return on Assets (ROA)
profitability
Value:
-0.50%
Peer Avg: 0.79%
#1055 of 1077
Bottom 2.1% in 100M-500M tier
1052
Loan Growth Rate
growth
Value:
-11.67%
Peer Avg: 3.45%
#1052 of 1077
Bottom 2.4% in 100M-500M tier
1050
Members Per Employee (MPE)
engagement
Value:
187.010
Peer Avg: 332.881
#1050 of 1077
Bottom 2.6% in 100M-500M tier
1049
AMR Growth Rate
growth
Value:
-7.43%
Peer Avg: 3.64%
#1049 of 1077
Bottom 2.7% in 100M-500M tier
1049
Net Worth Ratio
risk
Value:
7.75%
Peer Avg: 12.15%
#1049 of 1077
Bottom 2.7% in 100M-500M tier
1040
Asset Growth Rate
growth
Value:
-5.14%
Peer Avg: 4.70%
#1040 of 1077
Bottom 3.5% in 100M-500M tier
1039
Net Charge-Off Rate
risk
Value:
1.54%
Peer Avg: 0.47%
#1039 of 1077
Bottom 3.6% in 100M-500M tier
1033
Deposit Growth Rate
growth
Value:
-4.16%
Peer Avg: 4.69%
#1033 of 1077
Bottom 4.2% in 100M-500M tier
1002
Total Delinquency Rate (60+ days)
risk
Value:
1.99%
Peer Avg: 0.86%
#1002 of 1077
Bottom 7.1% in 100M-500M tier