GULF
Charter #60205 · Groves, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 24,643 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.80% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 0.35% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.74% sits at the 79th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 51st — a 15-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $348.54M | 81th pct | 79th pct |
| Members | 24,643 | 88th pct | 80th pct |
| Net worth ratio | 9.80% | 25th pct | 21th pct |
| Return on average assets | 0.35% | 26th pct | 21th pct |
| Net interest margin | 3.43% | 36th pct | 51th pct |
| Cost of funds | 0.85% | 31th pct | 30th pct |
| Loan-to-share | 63.64% | 33th pct | 43th pct |
| Delinquency 60+ days | 0.37% | 28th pct | 28th pct |
| Net charge-off ratio | 0.74% | 80th pct | 79th pct |
| Loan growth YoY | 8.53% | 96th pct | 92th pct |
| Share growth YoY | 5.94% | 80th pct | 79th pct |
| Efficiency ratio | 82.79% | 65th pct | 72th pct |
structural peer set hash: 18692a3ddbdbe79ada20525398fff858… (reproducible)
Closest structural peers
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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.