GULF COAST EDUCATORS

Charter #5648 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

GULF COAST EDUCATORS has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 18.0% in tier
  • + Organic Growth Leader: Top 20.2% in tier
  • + Organic Growth Engine: Top 24.5% in tier
  • + Wallet Share Momentum: Top 29.8% in tier
  • + Relationship Depth Leader: Top 34.3% in tier
  • + Net Worth Ratio: Top 7.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.9% in tier
  • - Liquidity Overhang: Bottom 7.2% in tier
  • - ROA 0.23% below tier average
  • - Efficiency ratio 0.88% above tier (higher cost structure)
  • - Delinquency rate 0.02% above tier average
  • - Share Certificate Concentration (%): Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 61,416
+2.9% YoY+1.5% QoQ
 -37.3K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 14.8% in tier
Assets $1.3B
-1.2% YoY+3.1% QoQ
 $-454.6M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 27th in tier
Loans $880.8M
-1.3% YoY+0.5% QoQ
 $-352.3M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 23.7% in tier
Deposits $1.0B
+11.6% YoY+4.6% QoQ
 $-427.8M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 21.4% in tier
ROA 0.5%
+8.5% YoY+24.6% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 31st in tier
NIM 3.1%
+33.1% YoY+1.9% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 33rd in tier
Efficiency Ratio 74.9%
+0.3% YoY-0.1% QoQ
 +0.9% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 52nd in tier
Delinquency Rate 0.8%
+45.5% YoY+3.8% QoQ
 +0.0 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 66th in tier
Loan To Share 85.8%
-11.5% YoY-4.0% QoQ
 +0.6% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $31,055
+2.2% YoY+1.2% QoQ
 +$2K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 67th in tier
CD Concentration 42.9%
+12.0% YoY+6.7% QoQ
 +13.9% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 8.2% in tier
Indirect Auto % 7.0%
-6.3% YoY-2.9% QoQ
 -11.8% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 28th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#96 of 184 • Top 18.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 2.92%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Leader

growth
#80 of 138 • Top 20.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.92%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Organic Growth Engine

growth
#178 of 246 • Top 24.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.92%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.48%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 6.99%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#216 of 264 • Top 29.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.24%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#249 of 264 • Top 34.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.24%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.2K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#54 of 217 • Bottom 6.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.26% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Overhang

risk
#24 of 113 • Bottom 7.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.20%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 85.81%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

23
Net Worth Ratio
risk
Value: 15.20%
Peer Avg: 11.44%
#23 of 304 Top 7.2% in 1B-3B tier
32
Deposit Growth Rate
growth
Value: 11.56%
Peer Avg: 5.58%
#32 of 304 Top 10.2% in 1B-3B tier
75
Fee Income Per Member
profitability
Value: $251.70
Peer Avg: $210.52
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (7 metrics)

285
Share Certificate Concentration (%)
balance_sheet
Value: 42.87%
Peer Avg: 28.53%
#285 of 304 Bottom 6.6% in 1B-3B tier
268
Asset Growth Rate
growth
Value: -1.18%
Peer Avg: 4.83%
#268 of 304 Bottom 12.2% in 1B-3B tier
261
First Mortgage Concentration (%)
balance_sheet
Value: 49.55%
Peer Avg: 34.01%
#261 of 304 Bottom 14.5% in 1B-3B tier
259
Total Members
engagement
Value: 61,416
Peer Avg: 98,678
#259 of 304 Bottom 15.1% in 1B-3B tier
249
Loan Growth Rate
growth
Value: -1.31%
Peer Avg: 5.27%
#249 of 304 Bottom 18.4% in 1B-3B tier
239
Total Deposits
balance_sheet
Value: $1.03B
Peer Avg: $1.45B
#239 of 304 Bottom 21.7% in 1B-3B tier
232
Total Loans
balance_sheet
Value: $880.80M
Peer Avg: $1.23B
#232 of 304 Bottom 24.0% in 1B-3B tier