Gulf Coast Educators Credit Union

Gulf Coast Educators Credit Union is headquartered in Pasadena and is the 36^th largest credit union in the state of Texas. It is also the 465^th largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 60 employees and 30,150 members. Gulf Coast Educators Credit Union's CD rates are 2X the national average, and it boasts a 5-star health rating.

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Gulf Coast Educators Credit Union CD Rates

Data for Q4 2011

Institution Statistics GULF COAST EDUCATORS NCUA # 5648 BankRate Report View Year Chartered 1948 Employees 60 Primary Regulator Assets and Liabilities Assets $421.74 million Loans $181.97 million Deposits $333.50 million Equity Capital $83.58 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $1.08 million Real Estate Owned $321,000 Historic Data - December 2010 Assets $369.80 million Equity Capital $77.13 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $908,000 Profit Margin - Quarterly Net Interest Margin 5.23% Return on Assets 1.77% Return on Equity 8.94% Interest Income $15.65 million Non-Interest Income $5.85 million

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 Gulf Coast Educators Credit Union had $1.4 million in non-current loans and owned real-estate with $84.98 million in equity and loan loss allowances on hand to cover it. This gives Gulf Coast Educators Credit Union a Texas Ratio of 1.65% 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 Gulf Coast Educators Credit Union held steady from 1.16% as of December 31, 2010 to 1.65% as of December 31, 2011, resulting in a negative change of 42.00%. This indicates that the balance sheet and financial strength for Gulf Coast Educators Credit Union has held steady in recent periods. Deposit Growth In the past year, Gulf Coast Educators Credit Union has increased its total deposits by $44.85 million, resulting in 15.54% 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 Educators 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 Educators Credit Union has $421.74 million in assets with $84.98 million in equity, resulting in a capitalization level of 20.15%, which is excellent.

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