Gulf Shore Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.2 and a net worth ratio of 13.2. A current level of 5.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7).
Asset Mix:
Consumer loans (38%), other (62%)
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
San Antonio, TX
Fort Worth, TX
Houston, TX
Texas City, TX