BlastPoint's Credit Union Scorecard
GULF COAST EDUCATORS
Charter #5648 · TX
GULF COAST EDUCATORS has 7 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 30.4% in tier
- + Emerging Performer: Top 38.1% in tier
- + Organic Growth Engine: Top 61.3% in tier
- + Organic Growth Leader: Top 61.3% in tier
- + ROA 0.10% above tier average
- + Net Worth Ratio: Top 7.7% in tier
- + Fee Income Per Member: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 36.8% in tier
- - Credit Risk Growth: Bottom 74.2% in tier
- - Share Certificate Concentration (%): Bottom 5.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +11.2% year over year ($1.09B in shares and deposits).
- Membership: 61,167 members, +1.1% vs a year ago.
- Delinquency rate 0.90%.
- Return on assets 0.92%.
- Efficiency ratio 67.15% vs a 73.02% peer average.
- Loan-to-share ratio 81.85% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,167
+1.1% YoY+0.2% QoQ
|
-35.7K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$1.3B
+3.4% YoY+1.0% QoQ
|
$-455.8M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$893.2M
+1.9% YoY+1.9% QoQ
|
$-341.1M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$1.1B
+11.2% YoY+3.0% QoQ
|
$-372.2M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.9%
+139.8% YoY+18.4% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.4%
+13.1% YoY+0.2% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
67.2%
-10.4% YoY-0.0% QoQ
|
-5.9% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
0.9%
+11.2% YoY+56.0% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
81.9%
-8.4% YoY-1.0% QoQ
|
-2.9% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$32,442
+5.7% YoY+2.3% QoQ
|
+$3K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
44.4%
+10.4% YoY+4.3% QoQ
|
+15.3% | 29.1% | 21.6% | 20.0% | Top 6.4% in tier |
| Indirect Auto % |
5.4%
-24.7% YoY-9.9% QoQ
|
-12.7% | 18.1% | 6.9% | 7.7% | 26% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)