TEXAS GULF CAROLINA EMP
Charter #66320 · Aurora, NC · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 36.22% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -5.75% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 8.81% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 9.33% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 165.26% sits at the 98th 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 | TEXAS GULF CAROLINA EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.18M | 20th pct | 25th pct |
| Members | 385 | 33th pct | 39th pct |
| Net worth ratio | 36.22% | 91th pct | 77th pct |
| Return on average assets | -5.75% | 4th pct | 5th pct |
| Net interest margin | 8.81% | 99th pct | 95th pct |
| Cost of funds | 0.18% | 27th pct | 26th pct |
| Loan-to-share | 118.01% | 98th pct | 90th pct |
| Delinquency 60+ days | 9.33% | 94th pct | 93th pct |
| Net charge-off ratio | 0.00% | 22th pct | 26th pct |
| Loan growth YoY | -12.34% | 20th pct | 7th pct |
| Share growth YoY | -22.77% | 1th pct | 2th pct |
| Efficiency ratio | 165.26% | 95th pct | 98th pct |
structural peer set hash: 2fce2c2fa11075371363abc6dcdb1aec… (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.