GULF SHORE
Charter #2442 · Texas City, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,115 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.88% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.21% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.65% sits at the 79th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GULF SHORE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.74M | 58th pct | 69th pct |
| Members | 3,115 | 78th pct | 79th pct |
| Net worth ratio | 13.16% | 46th pct | 43th pct |
| Return on average assets | 0.31% | 31th pct | 31th pct |
| Net interest margin | 3.66% | 40th pct | 51th pct |
| Cost of funds | 0.71% | 44th pct | 48th pct |
| Loan-to-share | 48.89% | 35th pct | 39th pct |
| Delinquency 60+ days | 1.88% | 83th pct | 90th pct |
| Net charge-off ratio | -0.21% | 5th pct | 7th pct |
| Loan growth YoY | -5.16% | 29th pct | 41th pct |
| Share growth YoY | 5.02% | 75th pct | 69th pct |
| Efficiency ratio | 92.65% | 78th pct | 79th pct |
structural peer set hash: 6240b1bf2e4ffef60a91b93f3a4eb592… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.