Credit union · NCUA insured
Texasgulf Federal Credit Union
A $221.5M credit union headquartered in Wharton, TX, with 14,934 members and 2 branches in Texas. Best rates: CDs 3.60% and savings 1.00% APY.
Texasgulf Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#3 of 5 in El Campo, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Texasgulf Federal Credit Union
Chartered in September 1937 as a member-owned financial cooperative, Texasgulf Federal Credit Union originally served employees and families of the Texasgulf Sulphur Company in Newgulf, Texas.
The credit union converted to a community charter in 1992, relocated to Wharton in 1994, and expanded its charter in 2020 to serve ten South Texas counties.
- Headquarters
- 2101 N Fulton st, Wharton, TX 77488
- NCUA charter
- 2322
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to businesses and individuals who live, work, worship, attend school, or do business in Calhoun, Colorado, DeWitt, Fayette, Gonzales, Jackson, Lavaca, Lee, Matagorda, or Wharton County.
Family and household
- Membership is open to immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, step siblings, and adopted children) of eligible individuals or permanent members of an eligible member's household.
Cost to join
- A minimum deposit of $25.00 is required to open membership.
Branches
2 branches in Texas
Loading map…
Texas
2 branches
- 2101 N FultonMain office2101 N Fulton st, Wharton, TX 77488Directions
- El Campo1313 West Loop, El Campo, TX 77437Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.27% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.61% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.86% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio14.27%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.61%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Texasgulf 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.