Institution Statistics
| GPCE | | NCUA # | 67643 | | BankRate Report | View | | Year Chartered | 1991 | | Employees | 12 | | Primary Regulator | |
Assets and Liabilities | | Assets | $31.22 million | | Loans | $17.44 million | | Deposits | $27.90 million | | Equity Capital | $3.36 million | | Loan Loss Allowance | $98,000 | | Unbacked Noncurrent Loans | $136,000 |
Historic Data - December 2010 | | Assets | $30.94 million | | Equity Capital | $3.67 million | | Loan Loss Allowance | $82,000 | | Unbacked Noncurrent Loans | $117,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.59% | | Return on Assets | -0.44% | | Return on Equity | -4.05% | | Interest Income | $1.23 million | | Non-Interest Income | $273,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Gpce Credit Union had $136,000 in non-current loans and owned real-estate with $3.46 million in equity and loan loss allowances on hand to cover it. This gives Gpce Credit Union a Texas Ratio of 3.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Gpce Credit Union held steady from 3.12% as of December 31, 2010 to 3.93% as of December 31, 2011, resulting in a negative change of 26.19%. This indicates that the balance sheet and financial strength for Gpce Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Gpce Credit Union has increased its total deposits by $623,000, resulting in 2.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Gpce Credit Union has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Gpce Credit Union has $31.22 million in assets with $3.46 million in equity, resulting in a capitalization level of 11.08%, which is above average. |
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Average User Rating:
GPCE Credit Union
LOVE IT! GPCE Credit Union is a wonderful credit union whose staff treats its members like a part of their own family! I love the personal attention I receive each and every time I visit. My kids even love going to the credit union. I have received several loans and never had a problem. They make it easy. Their loan officers are caring and take the time needed to assist you. I wish ALL GULF POWER EMPLOYEES would join so they could enjoy a pleasurable experience with GPCE Credit Union. They won't be sorry. It's not like a BIG bank or credit union, where you can get lost in the "paperwork". They are small, but can handle all my financial needs. I am very happy to a member of GPCE Credit Union.