Gulf Coast Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 20.1 percent of nonperforming loans to core capital combined with 13.5 percent from a year earlier contributes to the Weak asset quality (2.7).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 8.4. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.1 has resulted in Weak (2.2) profitability.
Asset Mix:
Consumer loans (54%), home mtgs (27%), other (19%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2633 Rodd Field Road
Corpus Christi, TX 78414
Corpus Christi, TX 78414
Phone Number
(361) 980-8203
NCUA Charter Number
Website
Largest Competitors
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX