Charter 66320 · Aurora, NC
Texas Gulf Carolina Emp Credit Union
Texas Gulf Carolina Emp Credit Union is a state-chartered credit union in Aurora, North Carolina, with $1.1 million in assets and 383 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 36.27%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as TGCECU.
- Total assets
- $1.1 million
- -24.3% in a year
- Members
- 383
- -4.3% in a year
- Net worth ratio
- 36.27%
- Peer median 19.32%
- Loans 60+ days late
- 9.84%
- Peer median 0.66%
- Loans outstanding
- $769 thousand
- -16.3% in a year
- Shares and deposits
- $725 thousand
- -25.0% in a year
- Branches
- 3
- 0 employees
- Opened
- 1968
- North Carolina charter
How Texas Gulf Carolina Emp Credit Union compares
NCUA groups credit unions by size; Texas Gulf Carolina Emp Credit Union is in the group with under $2 million in assets (232 credit unions). Its net worth ratio of 36.27% is higher than that group's median of 19.32%, and its share of loans 60 or more days past due, 9.84%, is higher than the group median of 0.66%. Loans fell 16.3% over the year to Q2 2026, against a group median of a 7.3% fall.
By assets it ranks 56 of 57 credit unions headquartered in North Carolina. See all North Carolina credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.1 million | 383 | $769 thousand | 36.27% | 9.84% |
| Q1 2026 | $1.2 million | 385 | $832 thousand | 36.22% | 9.33% |
| Q4 2025 | $1.2 million | 391 | $900 thousand | 35.62% | 3.17% |
| Q3 2025 | $1.4 million | 400 | $949 thousand | 33.20% | 5.14% |
| Q2 2025 | $1.5 million | 400 | $919 thousand | 33.48% | 0.84% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 500 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Texas Gulf Carolina Emp Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Lee Creek (main office)
1530 Nc Highway 306 S, Aurora, NC 27806 - CBS
105 E Walnut St, Goldsboro, NC 27530 - PCS ADM BLDG
1530 Nc Highway 306 S, Aurora, NC 27806 - Quesha's
2093 Spring Creek Rd, Aurora, NC 27806
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology