Texas City, Texas · Peer group 3
Gulf Shore Credit Union
Gulf Shore Credit Union holds $28.7M in assets across 3,115 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1937. Charter number 2442, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $28.7M |
|---|---|
| Total loans | $12.1M |
| Total shares (deposits) | $24.8M |
| Net worth | $3.8M |
| Members | 3,115 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.8% | |
|---|---|---|
| Loans | -10.4% | around the 17th percentile of its peer group |
| Deposits | 5.6% | around the 78th percentile of its peer group |
| Members | -4.0% | around the 21st 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 | 48.9% | around the 35th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.2% | around the 46th percentile of its peer group |
| Return on assets | 0.31% | around the 31st percentile of its peer group |
| Delinquency ratio | 1.88% | around the 83rd percentile of its peer group |
| Cash / assets | 7.4% | around the 27th 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 Gulf Shore Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Texas Associations of Professionals Credit Union
San Antonio, TX
$28.5M · 1,362 members
- Yantis Credit Union
YANTIS, TX
$28.5M · 1,856 members
- Tyler City Employees Credit Union
Tyler, TX
$28.3M · 3,091 members
- Rocket Credit Union
McGregor, TX
$29.3M · 2,933 members
- Union Fidelity Credit Union
Houston, TX
$28.1M · 5,943 members
- United Credit Union
Tyler, TX
$30.0M · 2,088 members
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