TEXAS GULF CAROLINA EMP Credit Union Profile

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TEXAS GULF CAROLINA EMP

Charter #66320 | NCUA Region 2 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (252) 322-4111

Fax: (252) 322-8090

Founding Date: N/A

Personnel & Operations

President: Smith, Alton

Manager: Tatum, Quesha

FT Employees: 2

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: 8:00 - 3:30

Credit Union Profile Summary

TEXAS GULF CAROLINA EMP is a FISCU Credit Union. With a total of 400 members [1], this institution manages approximately $1,480,893 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 33.26% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -17.74% [1].

Financial Snapshot

Total Assets [1]
$1,480,893

Total economic resources.

Total Loans [1]
$918,849

Total value of outstanding loans.

Total Deposits [1]
$965,881

Total funds deposited by members.

Members [1]
400

Number of active members.

Performance Ratios

Net Worth Ratio [1]
33.26%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-5.66%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
95.13%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -16.21%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -17.74%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -3.61%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1530 NC Highway 306 S

Aurora, NC, 27806-9245
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by TEXAS GULF CAROLINA EMP (Charter #66320).

Main Office

Lee Creek Main Office

Type: Corporate Office

1530 NC Highway 306 S

Aurora, NC 27806-9245

Phone: (252) 322-4111

Services: None specified

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Additional Branches

Aurora

PCS ADM BLDG

Type: Branch Office

1530 NC Highway 306 S

Aurora, NC 27806-9245

Phone: (252) 322-8221

Services: None specified

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