Credit union · NCUA insured
Gulf Coast Educators Federal Credit Union
Top CarrotA $1.3B credit union, the 395th largest of 4,329, headquartered in Pasadena, TX, with 61,066 members and 9 branches in Texas. Best rates: CDs 4.01% and savings 1.26% APY.
Gulf Coast Educators Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#6 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gulf Coast Educators Federal Credit Union
Originally chartered in 1948 as Pasadena School FCU, the credit union later changed its name to Gulf Coast Educators Federal Credit Union in 1980.
Focused on serving education employees across Texas, the credit union expanded through regional charter additions and merged with Sweeny Teachers Federal Credit Union in 2023.
- Headquarters
- 5953 Fairmont Pkwy, Pasadena, TX 77505
- NCUA charter
- 5648
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Gulf Coast Educators Federal Credit Union are eligible for membership.
Military, government and schools
- Employees who work regularly in the Educational Industry in the state of Texas, or who have retired as pensioners or annuitants from such employment, are eligible for membership.
Family and household
- Immediate families or households falling within the eligibility chart, as well as surviving spouses of persons who died while within the field of membership, are eligible for membership.
Branches
9 branches in Texas
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Texas
9 branches
- Pasadena OfficeMain office5953 Fairmont Pkwy, Pasadena, TX 77505Directions
- Baytown Office6360 Garth Rd Ste 140, Baytown, TX 77521Directions
- Summerwood Office14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044Directions
- Katy Office27252 Katy Fwy, Katy, TX 77494Directions
- League City Office1120 W Main St, League City, TX 77573Directions
- Pearland East Office1819 Broadway St Ste 109, Pearland, TX 77581Directions
- Pearland West Office8000 Broadway St, Pearland, TX 77581Directions
- Rosenberg Office6419 Reading Rd Ste 115, Rosenberg, TX 77471Directions
- Sweeny Office400 N Elm St, Sweeny, TX 77480Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.70% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.90% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.91% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalNet worth ratio15.70%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.90%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.91%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Gulf Coast Educators Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.