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Gulf Shore Federal Credit Union


Overview / Commentary
www.gulfshorefcu.org
409-945-2318
1306 N Logan St
Texas City, TX 77590

Gulf Shore Federal Credit Union is headquartered in Texas City and is the 302nd largest credit union in the state of Texas. It is also the 3,725th largest credit union in the nation. It was established in 1937 and as of December of 2019, it had grown to 3 employees and 1,885 members at 1 location. Gulf Shore Federal Credit Union's CD rates are 34% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Gulf Shore Federal Credit Union is open to those who live, work, worship, or attend school in the Texas communities of Bacliff, Dickinson, Hitchcock, La Marque, Santa Fe, San Leon, or Texas City. Membership is also open to employees/retirees of several Select Employer Groups, including the City of Hitchcock.
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Health
C+

Data as of Q4 2019

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Gulf Shore Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #2442
Year Chartered1937
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD5.19%
Annual Interest Income$443.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$13.3MM$14.3MM
LoansQ4 2019vs Q4 2018$8.8MM$8.0MM
DepositsQ4 2019vs Q4 2018$11.0MM$12.9MM
Equity CapitalQ4 2019vs Q4 2018$1.1MM$1.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$22.00K$22.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$32.00K$56.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Gulf Shore Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Variable IRA
0.10%$100-Share Savings Account

Gulf Shore Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2.5k-Money Market Account

Gulf Shore Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Share Draft

Gulf Shore Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-36 Month Term Share Certificate
1.41%$1k-24 Month Term Share Certificate
1.31%$1k-18 Month Term Share Certificate
1.21%$1k-12 Month Term Share Certificate
1.00%$2.5k-6 Month Term Share Certificate

Gulf Shore Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-36 Month IRA Share Certificate
1.41%$1k-24 Month IRA Share Certificate
1.31%$1k-18 Month IRA Share Certificate
1.21%$1k-12 Month IRA Share Certificate
1.00%$2.5k-6 Month IRA Share Certificate
Locations


Gulf Shore Federal Credit Union Locations
Branch Office1306 N Logan StTexas City, TX 77590-5046

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