Texasgulf Federal Credit Union
Total assets
$221.5M
▲ +4.6% YoY
Shares & deposits
$190.6M
▲ +3.6% YoY
Loans
$134.1M
▲ +3.4% YoY
Members
14,934
▲ +0.9% YoY
ROA (annualized)
0.77%
peers 0.69%
ROE (annualized)
5.54%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.9% | +0.7 pts |
| Share growth (YoY) | +3.6% | +3.3% | +0.3 pts |
| Loan growth (YoY) | +3.4% | +2.9% | +0.5 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 5.5% | 5.9% | -0.4 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 2101 N Fulton St, Wharton, TX, 77488
- NCUA charter #
- 2322
- RSSD ID
- 116376
- 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 | $221.5M | $190.6M | $134.1M | $31.0M | $428K | 0.77% | 3.10% | 0.49% | 14,934 |
| Q4 2025 | $215.5M | $183.8M | $136.3M | $30.5M | $2.4M | 1.13% | 3.04% | 0.62% | 14,893 |
| Q3 2025 | $213.3M | $181.3M | $132.7M | $29.9M | $1.7M | 1.08% | 3.02% | 0.61% | 14,843 |
| Q2 2025 | $207.5M | $178.9M | $130.9M | $29.3M | $1.2M | 1.11% | 3.05% | 0.47% | 14,743 |
| Q1 2025 | $211.6M | $184.0M | $129.7M | $28.7M | $502K | 0.95% | 2.84% | 0.26% | 14,802 |
| Q4 2024 | $205.7M | $179.4M | $125.1M | $28.2M | $1.6M | 0.80% | 2.38% | 0.46% | 14,680 |
| Q3 2024 | $200.9M | $173.7M | $120.0M | $27.8M | $1.2M | 0.80% | 2.37% | 0.37% | 14,532 |
| Q2 2024 | $194.5M | $168.7M | $119.7M | $27.4M | $737K | 0.76% | 2.37% | 0.28% | 14,431 |
Loan mix (Q1 2026): real estate $49.0M · commercial $541K · consumer $76.7M · securities $61.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.62% | 20th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 78.7% | 28th | |
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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