# GULF COAST EDUCATORS
Pasadena, TX · NCUA charter 5648 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gulf-coast-educators-5648

Who the members are: federal charter, educational (single sponsor), organized 1948. 61,066 members of 721,111 potential (8.5% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.26B |
| Members | 61,066 (1.0% YoY) |
| Full-time staff | 172 |
| Net worth | $195.9M |
| Net worth ratio | 15.6% (p95 of band) |
| ROA (annualized) | 0.77% (p56 of band) |
| Total delinquency | 0.58% (p46 of band) |
| Net charge-offs (annualized) | 0.86% (p79 of band) |
| Loans / shares | 83% (p39 of band) |
| Cash / assets | 7.6% |
| Borrowings / assets | 1.99% |
| Net interest margin | 3.40% (p56 of band) |
| Operating expense / assets | 3.22% (p50 of band) |
| Vehicles % of loans | 33% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 31% (p20 of band) |
| Vehicle delinquency | 0.45% (p33 of band) |
| Vehicle NCO | 1.92% (p83 of band) |
| Repossessed % of vehicle book | 0.05% (p43 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 43% |
| Average share balance | $7,603 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $9.3M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $22,964 |
| Loans granted, annualized | $202.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $9.3M outstanding purchased (4.8% of net worth), $3.4M sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares 10.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 4 | margin squeeze, delinquency rising |  |
| 2020-06 | 3 |  | delinquency rising |
| 2020-09 | 1 |  | net worth falling, margin squeeze |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 2 | margin squeeze | delinquency rising |
| 2023-12 | 2 | net worth falling | margin squeeze |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 2 | loans>95% of shares |  |
| 2024-12 | 3 | delinquency rising, assets shrinking | loans>95% of shares |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 0 |  | leaning on borrowings |
| 2026-03 | 0 |  |  |

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

- 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
- 2022-03-30 [Gulf Coast Educators Federal Credit Union opens in Katy | Katy - Fulshear - Community Impact](https://news.google.com/rss/articles/CBMingFBVV95cUxOdnhQS0pCVU5wdGpmb0VtcXNxOXAtWVRFNFpkbUdEd3Npc1I3MG55U2JoWkVab18xZlBSWVNmWVRodWVWLUFnRmVjSUZrbUUxbkNLQlNXQ0lBTzVWZC0zZW9Ia3RKQlE0LTNxaXhyek5PY1B6SFU2T2tzbFRxX3R5STZPY04tcF81Q3BIbnB0MU55RHVvZFFhT1p1REhJQQ?oc=5) · Community Impact
- 2021-10-06 [CUSO Financial Announces New Partnership with Gulf Coast Educators Federal Credit Union - PR Newswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOYXpxM0pTVXR5b1lMSTl2X0dVdlVLSmxsVzlaTDNzb0tOYmN4WUlpQjFoS2o3V2p3T1JJTG9aR3Fub1JobE9QSVpwckdtZkNpbW4tQnlqZ2lkaEJ5UmVIVFBnbDlXQ3FiZ1o2THpqUF9Qam5qUzNrNUZsMWg5bGZNY2hxeUdVQ3VXVnZUNERNSlBpdUJDM05RNUxVWF9VSjJCZTVVTFJVUW9YYndMRW9KdHNpbWZaYVFOaTVXUmJmbkZ5c3o0UnFDNzBaYkdWdk9rYXExM2NSc0FPMUk?oc=5) · PR Newswire
- 2026-02-23 [Teacher Next Door Program and Other Home Buyer Assistance for Educators - NerdWallet](https://news.google.com/rss/articles/CBMijAFBVV95cUxQLWEzcDZJWm92X3YyT1lzTmZvU01qRmJkenZLMlRLSDB4emxsMUtxdlRtTDFucHBvUGNJSGpud0ZNcG15RmlqOUFJT2RKM3pUQnZQRmNPNlVkcG5Hdmw5VFZFZzNvX1NsX3BDOHdyVE9nLThUa0VvaWZPU1RIT1EtS0pQNmY3NEVsaGI2cQ?oc=5) · NerdWallet
- 2015-05-22 [Radio station, credit union surprise Horne ES educator with donation - Chron](https://news.google.com/rss/articles/CBMivAFBVV95cUxOYk5INVprVzA5TmQxcWpfZ3RoeG9Fb2lGZXdQNHNNZFRGVmNnaEZpLWtuQUZNRjhidmpBT08wUS1DWmxQQk1nZm9fVVNxQnBWcHlJLW9BWVBhbnhYOXhMekxtOS01VXpObGs5RWRqVExuUXh3aXNIMGhUVDRNT20zeU45d2xOVTZjUWltY1N3MmxOVEhiLTRqTi1MTHFCNXZUU08waDI4Nm5TZ0dGZDloYTRULW4zNFBjVndDbg?oc=5) · Chron
- 2025-01-23 [Best CD Rates in Texas - GOBankingRates](https://news.google.com/rss/articles/CBMie0FVX3lxTE1MREFwZUt5VFZiZ2NaTmltTzRFVkhzTWNzal84RExoZXNYeUxVMVFtTlFnQzhOMWJVVTVFbHo0N0cyOG04ZWU0alZWUldORmszMUlFa3EwNEtmSDZxZVhCM0ZGV29GX0RvcDV3RlJrazRWV0RVbWE2NWdDb9IBzAFBVV95cUxQZ1hnS1ZLaTJwRno2bVlFS2gyd0F3Z0FUU2xhbVRjRC1wdjNTX1NwdEVva05sWUJFdlVpd0tubXhoWDI4b3U2Zlh1clJjZlpLdFpvTXI5ZnJfS041LXVVNGhJb0czMzREd0pYLW03QWdHTW5KaUtJVmVTNWRUWHdWa3Q0TTJ3OGFESWRiWWZocWwyTmpWYTljNVhCMTFHTDFFY2hRQjBpTWJwNWU5cnRJb3Y2MVVxZ282eEhVR2R1N0I1VEc0b004aV9IaXE?oc=5) · GOBankingRates
- 2026-07-31 [Best Checking Accounts for Teachers [2026]: Perks for Educators - FinanceBuzz](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1objNkcVlsRGhjN2t5MHRnU3RSUU92NF9Yc0JSeEM4U1hmSVNidU5VR0pMU1NBQkdDTnZlRWl2UThVazhDWlNUVWRsZ24wQ3Q4anVVUTk4VWNUMUZ4bGFicFgtV2dhdw?oc=5) · FinanceBuzz
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5648 (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/16.json (key "5648", 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=5648
- 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