BlastPoint's Credit Union Scorecard
TEXAS GULF CAROLINA EMP
Charter #66320 · NC
TEXAS GULF CAROLINA EMP has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.90% above tier average
- + Net Interest Margin 5.45% above tier average
- + Loan-to-Share Ratio: Top 1.8% in tier
- + Net Worth Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 68.96% above tier (higher cost structure)
- - Delinquency rate 8.29% above tier average
- - Member decline: -4.2% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.7% in tier
- - Deposit Growth Rate: Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
- - AMR Growth Rate: Bottom 2.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits -25.0% year over year ($725K in shares and deposits).
- Membership: 383 members, -4.2% vs a year ago.
- Delinquency rate 9.84%.
- Return on assets 5.40%.
- Efficiency ratio 157.72% vs a 88.77% peer average.
- Loan-to-share ratio 106.12% vs a 58.89% 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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
383
-4.2% YoY-0.5% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Bottom 10.5% in tier |
| Assets |
$1.1M
-24.3% YoY-3.4% QoQ
|
$-29.1M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.9% in tier |
| Loans |
$769,134
-16.3% YoY-7.5% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.6% in tier |
| Deposits |
$724,782
-25.0% YoY+2.8% QoQ
|
$-25.1M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.9% in tier |
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| ROA |
5.4%
-188.0% YoY-191.3% QoQ
|
+3.9% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
Top 1.6% in tier |
| NIM |
9.3%
-13.3% YoY+3.3% QoQ
|
+5.4% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
157.7%
+0.5% YoY-4.6% QoQ
|
+69.0% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.3% in tier |
| Delinquency Rate |
9.8%
+1069.7% YoY+5.4% QoQ
|
+8.3 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.3% in tier |
| Loan To Share |
106.1%
+11.6% YoY-10.1% QoQ
|
+47.2% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 1.9% in tier |
| AMR |
$3,901
-17.2% YoY-2.3% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
2.1%
+33.9% YoY-2.7% QoQ
|
-22.5% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)