Gulf Coast Credit Union

Gulf Coast Credit Union is headquartered in Corpus Christi and is the 95^th largest credit union in the state of Texas. It is also the 1,223^rd largest credit union in the nation. It was established in 1940 and as of December of 2012, it had grown to 49 employees and 9,478 members. Gulf Coast Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics GULF COAST NCUA # 4060 BankRate Report View Year Chartered 1940 Employees 49 Primary Regulator Assets and Liabilities Assets $130.11 million Loans $111.42 million Deposits $116.62 million Equity Capital $12.93 million Loan Loss Allowance $468,000 Unbacked Noncurrent Loans $3.14 million Historic Data - December 2011 Assets $109.04 million Equity Capital $9.89 million Loan Loss Allowance $502,000 Unbacked Noncurrent Loans $1.37 million Profit Margin - Quarterly Net Interest Margin 5.18% Return on Assets 2.51% Return on Equity 25.28% Interest Income $7.25 million Non-Interest Income $2.05 million

Institution Health Overall Score: 4 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, 2012 Gulf Coast Credit Union had $3.14 million in non-current loans and owned real-estate with $13.39 million in equity and loan loss allowances on hand to cover it. This gives Gulf Coast Credit Union a Texas Ratio of 23.43% 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 increased slightly from 13.21% as of December 31, 2011 to 23.43% as of December 31, 2012, resulting in a negative change of 77.38%. This indicates that the balance sheet and financial strength for Gulf Coast Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Gulf Coast Credit Union has increased its total deposits by $17.98 million, resulting in 18.23% 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. 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. Gulf Coast Credit Union has $130.11 million in assets with $13.39 million in equity, resulting in a capitalization level of 10.29%, which is above average.

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