# GULF COAST
CORPUS CHRISTI, TX · NCUA charter 4060 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gulf-coast-4060

Who the members are: federal charter, multiple common bond, organized 1940, low-income designated, minority depository institution. 18,259 members of 2,384,130 potential (0.8% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $264.9M |
| Members | 18,259 (-3.2% YoY) |
| Full-time staff | 91 |
| Net worth | $21.1M |
| Net worth ratio | 8.0% (p3 of band) |
| ROA (annualized) | -0.01% (p6 of band) |
| Total delinquency | 0.82% (p69 of band) |
| Net charge-offs (annualized) | 2.07% (p99 of band) |
| Loans / shares | 96% (p96 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.79% (p66 of band) |
| Operating expense / assets | 3.75% (p52 of band) |
| Vehicles % of loans | 55% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 376% (p97 of band) |
| Vehicle delinquency | 0.97% (p76 of band) |
| Vehicle NCO | 5.61% (p99 of band) |
| Repossessed % of vehicle book | 0.50% (p95 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 28% |
| Certificates % of member funds | 52% |
| Average share balance | $8,059 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $23,619 |
| Loans granted, annualized | $64.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $32,137 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -14.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | delinquency 2x band, repo signal, loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 6 | losing money, charge-offs p90 |  |
| 2016-09 | 6 | net worth falling | losing money |
| 2016-12 | 5 |  | net worth falling |
| 2017-03 | 6 | losing money |  |
| 2017-06 | 6 | net worth falling | delinquency 2x band |
| 2017-09 | 7 | delinquency 2x band |  |
| 2017-12 | 5 |  | losing money, net worth falling |
| 2018-03 | 4 |  | charge-offs p90 |
| 2018-06 | 3 | charge-offs p90 | repo signal, delinquency 2x band |
| 2018-09 | 5 | delinquency 2x band, repo signal |  |
| 2018-12 | 3 |  | charge-offs p90, delinquency 2x band |
| 2019-03 | 2 |  | repo signal |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | delinquency 2x band, repo signal |  |
| 2019-12 | 4 | auto monoline | delinquency 2x band |
| 2020-03 | 5 | charge-offs p90 |  |
| 2020-06 | 5 | net worth falling | loans>95% of shares |
| 2020-09 | 4 |  | repo signal |
| 2020-12 | 5 | delinquency 2x band, repo signal | net worth falling |
| 2021-03 | 4 |  | repo signal |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | thin capital |  |
| 2022-03 | 3 |  | charge-offs p90, thin capital |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | repo signal |  |
| 2022-12 | 4 | loans>95% of shares | repo signal |
| 2023-03 | 8 | net worth falling, delinquency rising, charge-offs p90, repo signal |  |
| 2023-06 | 8 | margin squeeze | net worth falling |
| 2023-09 | 9 | members leaving |  |
| 2023-12 | 8 | thin capital | loans>95% of shares, members leaving |
| 2024-03 | 8 | net worth falling | delinquency rising |
| 2024-06 | 8 | losing money | margin squeeze |
| 2024-09 | 9 | assets shrinking, loans>95% of shares | net worth falling |
| 2024-12 | 8 |  | auto monoline |
| 2025-03 | 8 | net worth falling | loans>95% of shares |
| 2025-06 | 7 |  | net worth falling |
| 2025-09 | 8 | loan book shrinking |  |
| 2025-12 | 9 | net worth falling |  |
| 2026-03 | 9 | members leaving, loans>95% of shares | delinquency 2x band, net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-17 [Belinda Cantu Obituary - Pearland, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNOVZ3amRaVXRnOG13ZEpkMVN0MTBYc19PdDdWenVHc25pbmFDako2T2JRNFlpUk1BQlRBRzVObUNzME5UN0hfbVQxYm9HOXRNUUtvaFN4dUdaMTk1Y1dxOV8wRGxRZW9ubGZMUDM1ejZNMkFoYjh5NGxxYUpTUnpNbUdzRQ?oc=5) · Dignity Memorial
- 2025-01-07 [Gulf Coast Educators FCU announces Eric Stegall as new President & CEO - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxNOFFxRGxJTGpGXzdSaVBrdFlmMnRYMGVyRC11aW1nXzlZQS02SlUwUlRGcUVTQkl5WWYtbkVDbFpCSlZlMHVFX1VIRV9OVzRUdENEdlRpbkZ0UnRXX012QmhfeF82bWFlRUxyUkphVmlHOWhiX1p6dnRyUHZhdjVqb3ZlYjBULUZPTDlTOWwzQmFhSVYtZW1icXNhdFNZbHk1Vk9CYXlrUHNaU3h2Q0E?oc=5) · CUInsight
- 2022-11-17 [Gulf Coast Credit Union donates $1,500 to Corpus Christi charity group - kiiitv.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPQzBCa1A3VjA2R1FOQk9XSlpjaG9ZeUp3VDhycHFWNUpLS2pBdllQU1dQWFhNSC16TW5zTElYbXp2Qm9NTGVDSFNZQklJQnNKNmFTUFdGc1d6QUdZbWFYMl9vRVlZdlA3MlFPVks2LW9YdFU2b0p1dTl4NFljdGJHN3pEWXNqcV9MSlZVUXd3QjZ4bk5SVUlHeC1WbU9SVHp6NElFT3FKajJlcG1Ocktmem9qa1I?oc=5) · kiiitv.com
- 2020-08-26 [Gulf Coast Federal Credit Union to absorb nearby Homeport FCU - American Banker](https://news.google.com/rss/articles/CBMirwFBVV95cUxNXzBTT2dFVGRpUUNUcko4ak1FRmxhLVh3UFRubWlNb1I5dFNpMktOZ0FnUFZqX2pkUmNJakVKbzhQYXNjMW5tTDNiNW95ajcxSERVemliOF9sVlFwQ2dBUGpZRkFnTkVqRWNBVzVWRldUcWg2d3l6NmVJblZrXzYya2d2WDBLWDU3YjduLXFWTFFYOXZoTFp1S0VGcjRDSU91c0dhWGFWMF9hUVdQRE9Z?oc=5) · American Banker
- 2025-12-09 [John Earl Jackson Obituary (2025) - Corpus Christi, TX - Seaside Memorial Park & Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOWmN2a0o3ZTVBdm90TVd3cnBHbXVqeWt5UEJoYkRpMXVLdm1fVlJ6NVNnSUZVN25CbFhpdVNtM1Y2X0phTWRaT2x0MGNLWHdwaUlqUFVDbDZxVzBQYVkwNXV5V2Z5bkl1NU9sNGZMbDBRTmM5LUxUS1BTU0tpMVJISA?oc=5) · legacy.com
- 2023-06-30 [New Construction – Gulf Coast Federal Credit Union (Subbid) - Virtual Builders Exchange](https://news.google.com/rss/articles/CBMimwFBVV95cUxOeEpxS2dhUGp6QlZ0N0Jtc1dVdDgwMllzQlc1VWEyclIxa2hLcjctaUhIYlBwby1QNUY0X3JFS3J1UmRLUnBlNlNyeE1CVFoxWGNkcG45ZWR6aFVFeFYyejQzc1IwUWJKUlBHSGtocGd2LWNmeHliSmpZSW15ODBPanhyck5ad1ZXX3hRSEVZdDJZcFBaQUU3eTZuaw?oc=5) · Virtual Builders Exchange
- 2026-07-22 [Emma Morales Obituary - Corpus Christi, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbEZnUnEzRDR3aDFFYkhBTGZwSXN4OG9UT0pUMHRiY0h2czFjUHlvbEc5OU1teHk3ajFxMVNucGFadTA1SkxkUzRFaFBYY3ptWUdZRW9MRkZheHZoZ2ZYV21pSE5zQTdTT2ZFQmY5QWIwU25vcjQtR0ZENlJNRS1CeTk2eXBhelFpZVE?oc=5) · Dignity Memorial
- 2025-09-15 [Coastal Bend Blood Center Revives 'Run for Blood' as sole annual fundraiser - KRIS 6 News Corpus Christi](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOMFNHa0ltbjF0RU1RXzZhNHhScDcwMVY1M28xVkJHNmNTd1UtS0NFTEZ5UVJWMGNpSnpOWFNHNUxKMU1HaktiR2pZYW9ZZzhDOW1CVkVMT0M5YnJTT21jd1pQT0I3blBNckhtdWk1Y1lmLUo3MVpFVmtLWHhTVWg4bzc3cjlDZC11bjdWSGtwREVacVF4ZWttemNyRk5YM3dUWEw2RlhHTk9KWnZZa2ZTLTdjc29SWXZWZVdOR0FHOUdtajVMaHU3bm5RdHJTRjBvcWdnVXA0Ulh6a2VnLXB6VHNR?oc=5) · KRIS 6 News Corpus Christi

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4060 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "4060", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=4060
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide