Wharton, Texas · Peer group 5
Texasgulf Credit Union
Texasgulf Credit Union holds $221.5M in assets across 14,934 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1937. Charter number 2322, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $221.5M |
|---|---|
| Total loans | $134.1M |
| Total shares (deposits) | $190.6M |
| Net worth | $31.0M |
| Members | 14,934 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.6% | |
|---|---|---|
| Loans | 3.4% | around the 55th percentile of its peer group |
| Deposits | 3.6% | around the 55th percentile of its peer group |
| Members | 0.9% | around the 64th 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 | 70.4% | around the 47th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.0% | around the 79th percentile of its peer group |
| Return on assets | 0.77% | around the 56th percentile of its peer group |
| Delinquency ratio | 0.49% | around the 41st percentile of its peer group |
| Cash / assets | 9.9% | around the 46th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Texasgulf 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.
- Santa Fe Credit Union
Amarillo, TX
$221.7M · 14,370 members
- Harris County Credit Union
Houston, TX
$222.5M · 20,015 members
- The People's Credit Union
Amarillo, TX
$224.7M · 18,741 members
- H E B Credit Union
San Antonio, TX
$218.1M · 12,144 members
- Cal-Com Credit Union
Port Lavaca, TX
$224.9M · 15,929 members
- Members Choice of Central Texas Credit Union
WACO, TX
$213.3M · 18,295 members
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