Gulf 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 (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.2 has resulted in Weak (1.3) profitability.
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 10.2.
Asset Mix:
Consumer loans (33%), comm loans (10%), home mtgs (9%), other (48%)
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
2779 Aero Drive
Port Arthur, TX 77640
Port Arthur, TX 77640
Phone Number
(409) 963-1191
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
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Port Arthur, TX
Port Arthur, TX