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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 306th largest credit union in the state of Texas. It is also the 3,744th largest credit union in the nation. It was established in 1937 and as of March of 2020, it had grown to 4 employees and 1,890 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.
See current membership details

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Health
C+

Data as of Q1 2020

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
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD5.75%
Annual Interest Income$120.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$13.1MM$13.8MM
LoansQ1 2020vs Q1 2019$8.8MM$8.2MM
DepositsQ1 2020vs Q1 2019$11.4MM$12.6MM
Equity CapitalQ1 2020vs Q1 2019$1.1MM$1.1MM
Loan Loss AllowanceQ1 2020vs Q1 2019$24.00K$22.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$30.00K$0
Real Estate OwnedQ1 2020vs Q1 2019$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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