Texas Gulf Carolina Emp Credit Union
Total assets
$1.2M
▼ -7.3% YoY
Shares & deposits
$705K
▼ -29.0% YoY
Loans
$832K
▼ -16.3% YoY
Members
385
▼ -1.5% YoY
ROA (annualized)
-5.91%
peers 0.60%
ROE (annualized)
-16.31%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.3% | +1.3% | -8.6 pts |
| Share growth (YoY) | -29.0% | +0.7% | -29.6 pts |
| Loan growth (YoY) | -16.3% | -2.4% | -14.0 pts |
| ROA | -5.91% | 0.60% | -6.5 pts |
| ROE | -16.3% | 4.1% | -20.4 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
Profile
- Established
- 1968
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- 1530 Nc Highway 306 South, Aurora, NC, 27806
- NCUA charter #
- 66320
- RSSD ID
- 1008197
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $705K | $832K | $428K | $-17K | -5.91% | 9.05% | 9.33% | 385 |
| Q4 2025 | $1.2M | $693K | $900K | $444K | $-185K | -14.83% | 11.97% | 3.17% | 391 |
| Q3 2025 | $1.4M | $912K | $949K | $481K | $-50K | -4.59% | 8.07% | 5.14% | 400 |
| Q2 2025 | $1.5M | $966K | $919K | $505K | $-43K | -5.66% | 9.94% | 0.84% | 400 |
| Q1 2025 | $1.3M | $992K | $994K | $245K | $-7K | -2.08% | 11.00% | 8.07% | 391 |
| Q4 2024 | $1.5M | $1.0M | $1.1M | $496K | $-20K | -1.33% | 11.25% | 6.92% | 380 |
| Q3 2024 | $1.6M | $1.1M | $1.1M | $518K | $-8K | -0.62% | 10.40% | 10.26% | 400 |
| Q2 2024 | $1.8M | $1.1M | $1.1M | $621K | $-12K | -1.28% | 4.60% | 11.95% | 415 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $763K · securities $50K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.91% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -16.3% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 9.05% | 3.83% | 100th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 165.3% | 81.5% | 98th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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