Aurora, North Carolina · Peer group 1
Texas Gulf Carolina Emp Credit Union
Texas Gulf Carolina Emp Credit Union holds $1.2M in assets across 385 members as of Q1 2026 — about $3K of assets per member, on a charter dating to 1968. Charter number 66320, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.2M |
|---|---|
| Total loans | $832K |
| Total shares (deposits) | $705K |
| Net worth | $428K |
| Members | 385 |
| Assets per member | $3K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -7.3% | |
|---|---|---|
| Loans | -16.3% | around the 26th percentile of its peer group |
| Deposits | -29.0% | lower than 98% of its peer group |
| Members | -1.5% | around the 53rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 118.0% | higher than 97% of its peer group |
|---|---|---|
| Net worth ratio | 36.2% | around the 85th percentile of its peer group |
| Return on assets | -5.91% | lower than 92% of its peer group |
| Delinquency ratio | 9.33% | around the 82nd percentile of its peer group |
| Cash / assets | 32.9% | around the 57th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Texas Gulf Carolina Emp Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within North Carolina — the comparison set a peer ratio is measured against.
- Mount Vernon Baptist Church Credit Union
Durham, NC
$147K · 280 members
- Hsm Credit Union
HICKORY, NC
$5.8M · 2,137 members
- Arcade Credit Union
Asheville, NC
$8.0M · 761 members
- Allvac Savings and Credit Union
MONROE, NC
$9.3M · 1,464 members
- Guco Credit Union
Greenville, NC
$10.0M · 1,383 members
- North Carolina Press Association Credit Union
RALEIGH, NC
$11.6M · 1,291 members
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