GULF COAST
Charter #4060 · CORPUS CHRISTI, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.97% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of -0.01% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.87% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.05% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.54% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
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 COAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $264.93M | 67th pct | 54th pct |
| Members | 18,259 | 71th pct | 54th pct |
| Net worth ratio | 7.97% | 3th pct | 8th pct |
| Return on average assets | -0.01% | 8th pct | 13th pct |
| Net interest margin | 3.70% | 53th pct | 34th pct |
| Cost of funds | 2.87% | 99th pct | 97th pct |
| Loan-to-share | 95.83% | 97th pct | 97th pct |
| Delinquency 60+ days | 0.82% | 66th pct | 66th pct |
| Net charge-off ratio | 2.05% | 98th pct | 93th pct |
| Loan growth YoY | -3.97% | 11th pct | 11th pct |
| Share growth YoY | -9.07% | 0th pct | 0th pct |
| Efficiency ratio | 65.54% | 16th pct | 2th pct |
structural peer set hash: 7f0f395f8b72e3cea0775d2e3a0116ea… (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.