Gulf Shore Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.7 and a net worth ratio of 0.0. A current level of 9.6 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Good liquidity 5.4, driven by a liquidity ratio of 24.9 percent and a “hot money” ratio of 3.6 percent.
Asset Mix:
Consumer loans (45%), other (55%)
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
1306 25th Street, North
Texas City, TX 77590
Texas City, TX 77590
Phone Number
(409) 945-2318
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
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Fort Worth, TX
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Texas City, TX