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Texasgulf Credit Union Share
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Overview Share
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Texasgulf Credit Union is a federal credit union based in Wharton, Texas. It has been opened since 1937, for 85 years.

With around $123,120,000 in assets, Texasgulf Credit Union is considered to be a large credit union. It has 2 branches and 2 ATM locations.

About Share
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Address 2101 North Fulton Street
Wharton, Texas 77488
Website http://www.texasgulffcu.org
Phone (979) 282-2300
Fax (979) 282-2323
CEO J. Michael Sterry
President of the Board Bennie Skrovan
Services Offered
Score Card Share
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85 years
Years in business
Opened in 1937
Well Capitalized
Net worth classification
Source: NCUA
12,885 members
Membership type: Community credit union
Above average number of members
548:1
Credit union member to staff ratio
548 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$123,117,438
Total assets
Above average
2 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
0.30%
Savings interest rate
Compared to 0.3% nationally
9.65%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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2 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
Texasgulf Credit Union Branch Locations

Texasgulf Credit Union: El Campo
1313 West Loop
EL Campo, Texas 77437
ATM Available
Texasgulf Credit Union: 2101 North Fulton
2101 North Fulton Street
Wharton, Texas 77488
ATM Available
Members Share
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12,885 members
Membership type: Community credit union
Above average number of members

With 12,885 members, the Texasgulf Credit Union is considered to be a large credit union. It is larger than 75% of credit unions.

Fees Share
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$70
Average fee per member
The average fee per member at the Texasgulf Credit Union is $70, which is high compared to most credit unions. This rate is higher than 66% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Texasgulf Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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548:1
Credit union member to staff ratio
548 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
24 staff members
FTE (full-time equivalent)
12% of employees are part-time
22 full-time, 3 part-time

Texasgulf Credit Union has 22 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 88% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Texasgulf Credit Union has around 548 members per staff, a high ratio compared to other credit unions.

Assets Share
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$123,117,438
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$11,806
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 63% of credit unions.

Texasgulf Credit Union holds a total of $88,390,000 in loans and leases, which is about $11,806 per member on average.

Savings interest rate Share
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0.30%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Texasgulf Credit Union pays 0.30%.

Loan rates Share
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9.65%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
14.49%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.58%
New car loan rate
Compared to 4.0% nationally
5.01%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.49%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.39%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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All of Asset Brief

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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Texasgulf Credit Union: 2101 North Fulton
Credit Union Branch: 2101 North Fulton Street
Wharton, Texas 77488 ATM Available