Development
Gulf Coast Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.0 has resulted in Fair (3.2) profitability. A current level of 30.2 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Weak asset quality (1.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 8.6.
Asset Mix:
Consumer loans (54%), home mtgs (28%), other (18%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2633 Rodd Field Road
Corpus Christi, TX 78414
Corpus Christi, TX 78414
Phone Number
(361) 980-8203
NCUA Charter Number
Website
Largest Competitors
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX