GULF COAST EDUCATORS
Charter #5648 · Pasadena, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.60% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.09% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.16% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 56th — a 39-point gap showing why the peer definition matters.
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 EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.26B | 17th pct | 56th pct |
| Members | 61,066 | 10th pct | 39th pct |
| Net worth ratio | 15.60% | 95th pct | 95th pct |
| Return on average assets | 0.77% | 55th pct | 61th pct |
| Net interest margin | 3.40% | 54th pct | 44th pct |
| Cost of funds | 2.09% | 66th pct | 80th pct |
| Loan-to-share | 82.70% | 39th pct | 49th pct |
| Delinquency 60+ days | 0.58% | 45th pct | 41th pct |
| Net charge-off ratio | 0.85% | 78th pct | 74th pct |
| Loan growth YoY | -0.49% | 20th pct | 26th pct |
| Share growth YoY | 3.25% | 34th pct | 54th pct |
| Efficiency ratio | 67.16% | 28th pct | 8th pct |
structural peer set hash: 436b16a150caa18eb57a5edaa5e8133f… (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.