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P.O. Box 8849
Corpus Christi, TX 78468

Gulf Coast Credit Union is headquartered in Corpus Christi and is the 91st largest credit union in the state of Texas. It is also the 1,134th largest credit union in the nation. It was established in 1940 and as of December of 2013, it had grown to 54 employees and 10,106 members. Gulf Coast Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Nueces, Jim Wells or San Patricio County. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Gulf Coast Credit Union had $3.97 million in non-current loans and owned real-estate with $16.52 million in equity and loan loss allowances on hand to cover it. This gives Gulf Coast Credit Union a Texas Ratio of 24.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Gulf Coast Credit Union experienced no significant changes from 23.43% as of December 31, 2012 to 24.06% as of December 31, 2013, resulting in a negative change of 2.69%. This indicates that the balance sheet and financial strength for Gulf Coast Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Gulf Coast Credit Union has increased its total deposits by $16.03 million, resulting in 13.74% 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 Gulf Coast Credit Union has shown is excellent.



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. Gulf Coast Credit Union has $148.99 million in assets with $16.52 million in equity, resulting in a capitalization level of 11.09%, which is excellent.

Institution Statistics

NCUA #4060
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$148.99 million
Loans$123.02 million
Deposits$132.65 million
Equity Capital$15.79 million
Loan Loss Allowance$725,000
Unbacked Noncurrent Loans$3.97 million
Real Estate Owned$0
Historic Data - December 2012
Assets$130.11 million
Equity Capital$12.93 million
Loan Loss Allowance$468,000
Unbacked Noncurrent Loans$3.97 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.11%
Return on Assets1.74%
Return on Equity16.45%
Interest Income$8.00 million
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Gulf Coast Credit Union Savings Account Rates

1.25%--IRA Share
1.25%--Roth IRA Share
1.25%--Coverdell IRA Share
1.10%$100k-Super Share Account
0.50%--Christmas Club Account
0.50%--Vacation Club Account
0.25%--Regular Share Account

Gulf Coast Credit Union Money Market Rates

1.15%$50k-Money Market

Gulf Coast Credit Union CD Rates

2.02%$500-36 Month Share Certificate
1.75%$500-24 Month Share Certificate
1.65%$500-18 Month Share Certificate
1.50%$500-12 Month Share Certificate
1.10%$500-6 Month Share Certificate

Gulf Coast Credit Union IRA Rates

2.27%$500-36 Month IRA Share Certificate (Traditional,CESA,Roth)
2.00%$500-24 Month IRA Share Certificate (Traditional,Roth,CESA)
1.60%$500-12 Month IRA Share Certificate (Traditional,Roth,CESA)

Gulf Coast Credit Union Locations
Branch Office2633 Rodd Field RdCorpus Christi, TX 78414-3145
Branch Office4677 S Staples StCorpus Christi, TX 78411
Branch Office1909 E Main StAlice, TX 78332