Civic Intelligence

Gulf Credit Union

EIN 74-1110172 • 501(c)14 • Port Arthur, TX

View Organization Page

Profile

Cooperative, nonprofit financial institution providing credit union financial services.

2779 A Aero DrivePort Arthur, TX 77640

www.gecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

71st percentile

0.91x

Higher debt load relative to assets than 71% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

20.45x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

47th percentile

8.5%

Higher net margin than 47% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

21st percentile

$318,029

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

19th percentile

-1.6%

Faster asset growth than 19% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

1st percentile

-17%

Faster revenue growth than 1% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$312,762,443

Down $5,203,268 (-1.6%) from 2023

Liabilities

Down

$285,955,200

Down $9,425,030 (-3.2%) from 2023

Net Assets

Up

$26,807,243

Up $4,221,762 (+19%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin47th percentile

Revenue

Down

$13,985,984

Down $2,962,648 (-17%) from 2023

Expenses

Down

$12,795,695

Down $1,809,430 (-12%) from 2023

Net Income

Down

$1,190,289

Down $1,153,218 (-49%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth19th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400M$300M$200M$100M$0Assets 2010: $225,945,337Liabilities 2010: $213,329,596Net Assets 2010: $12,615,7412010Assets 2011: $215,814,783Liabilities 2011: $205,586,300Net Assets 2011: $10,228,4832011Assets 2012: $218,101,087Liabilities 2012: $207,962,752Net Assets 2012: $10,138,3352012Assets 2013: $220,736,384Liabilities 2013: $209,368,521Net Assets 2013: $11,367,8632013Assets 2014: $230,537,889Liabilities 2014: $217,399,880Net Assets 2014: $13,138,0092014Assets 2015: $237,455,290Liabilities 2015: $225,741,744Net Assets 2015: $11,713,5462015Assets 2016: $247,358,627Liabilities 2016: $235,969,795Net Assets 2016: $11,388,8322016Assets 2017: $309,185,254Liabilities 2017: $298,037,456Net Assets 2017: $11,147,7982017Assets 2018: $278,105,561Liabilities 2018: $264,794,976Net Assets 2018: $13,310,5852018Assets 2019: $277,935,079Liabilities 2019: $257,997,386Net Assets 2019: $19,937,6932019Assets 2020: $315,708,714Liabilities 2020: $291,307,911Net Assets 2020: $24,400,8032020Assets 2021: $336,623,302Liabilities 2021: $308,245,430Net Assets 2021: $28,377,8722021Assets 2022: $325,190,904Liabilities 2022: $305,735,767Net Assets 2022: $19,455,1372022Assets 2023: $317,965,711Liabilities 2023: $295,380,230Net Assets 2023: $22,585,4812023Assets 2024: $312,762,443Liabilities 2024: $285,955,200Net Assets 2024: $26,807,2432024

Highlighted filing

2024

Assets$312,762,443
Liabilities$285,955,200
Net Assets$26,807,243
Open 2024 Filing

Operations Trend

Revenue Growth1st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $14,698,5592010Expenses 2011: $13,179,7782011Expenses 2012: $12,918,0842012Revenue 2013: $15,988,613Expenses 2013: $12,832,549Net Income 2013: $3,156,0642013Revenue 2014: $11,685,018Expenses 2014: $11,060,856Net Income 2014: $624,1622014Revenue 2015: $10,657,646Expenses 2015: $11,668,288Net Income 2015: -$1,010,6422015Revenue 2016: $12,221,580Expenses 2016: $12,229,874Net Income 2016: -$8,2942016Revenue 2017: $12,567,212Expenses 2017: $12,638,235Net Income 2017: -$71,0232017Revenue 2018: $15,975,594Expenses 2018: $12,616,179Net Income 2018: $3,359,4152018Revenue 2019: $15,232,486Expenses 2019: $11,254,657Net Income 2019: $3,977,8292019Revenue 2020: $14,154,134Expenses 2020: $10,747,160Net Income 2020: $3,406,9742020Revenue 2021: $15,838,269Expenses 2021: $9,775,315Net Income 2021: $6,062,9542021Revenue 2022: $13,218,033Expenses 2022: $12,024,970Net Income 2022: $1,193,0632022Revenue 2023: $16,948,632Expenses 2023: $14,605,125Net Income 2023: $2,343,5072023Revenue 2024: $13,985,984Expenses 2024: $12,795,695Net Income 2024: $1,190,2892024

Highlighted filing

2024

Revenue$13,985,984
Expenses$12,795,695
Net Income$1,190,289
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$312,762,443
Liabilities
$285,955,200
Net assets
$26,807,243
Revenue
$13,985,984
Expenses
$12,795,695
Net income
$1,190,289
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$313$286$26.8$14.0$12.8$1.19
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$318$295$22.6$16.9$14.6$2.34
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$325$306$19.5$13.2$12.0$1.19
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$337$308$28.4$15.8$9.78$6.06
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$316$291$24.4$14.2$10.7$3.41
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$278$258$19.9$15.2$11.3$3.98
2018Summary only. Only limited summary data is available for this year.$278$265$13.3$16.0$12.6$3.36
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$309$298$11.1$12.6$12.6$0.07
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$247$236$11.4$12.2$12.2$0.01
2015Detailed filing. Detailed filing data is available for this year.$237$226$11.7$10.7$11.7$1.01
2014Detailed filing. Detailed filing data is available for this year.$231$217$13.1$11.7$11.1$0.62
2013Detailed filing. Detailed filing data is available for this year.$221$209$11.4$16.0$12.8$3.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$218$208$10.1$12.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$216$206$10.2$13.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$226$213$12.6$14.7
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 12, 2025
Return Version
2024v5.2
Gross Receipts
$13,995,244
Mission and Program Overview

Mission

Voluntary, cooperative, non-profit savings institution (credit union) incorporated under the provisions of the Texas Credit Union Act, for the purpose of encouraging thrift among our members, providing credit at a fair and reasonable rate of interest and providing an opportunity to improve our member's economic condition.

Cooperative, nonprofit financial institution providing credit union financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$175,364,476$173,245,754▼ $2,118,722
Savings and Temporary Cash Investments$76,776,356$67,522,862▼ $9,253,494
Prepaid Expenses and Deferred Charges$21,759,128$39,245,024▲ $17,485,896
Rtn Earn Endowment Incm Other Fnds$22,585,481$26,807,243▲ $4,221,762
Land, Buildings, and Equipment, Net$24,649,634$16,901,723▼ $7,747,911
Cash and Non-Interest-Bearing Accounts$17,073,186$13,552,647▼ $3,520,539
Receivables From Officers Etc$1,635,897$1,719,329▲ $83,432
Accounts Receivable$707,034$575,104▼ $131,930
Total Assets$317,965,711$312,762,443▼ $5,203,268
Liabilities
Other Liabilities$287,408,600$283,576,548▼ $3,832,052
Mortgage Notes Payable Secured by Investment Property$5,000,000--
Accounts Payable and Accrued Expenses$2,823,630$2,278,652▼ $544,978
Deferred Revenue$148,000$100,000▼ $48,000
Total Liabilities$295,380,230$285,955,200▼ $9,425,030
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,585,481$26,807,243▲ $4,221,762
Total Liabilities and Net Assets / Fund Balance$317,965,711$312,762,443▼ $5,203,268

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,593,259$4,790,837$18,384,096
Equipment$1,808,741$2,957,074$4,765,815
Land$1,499,723-$1,499,723
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Derek LandryCLOFT$30,000$30,000

Board Members and Trustees

NameTitle
Johnny LewallenChairperson
Robert LovelaceVice Chairperson
Dustin MarshAdvisory Director
Barry GormanDirector
Jason HowardDirector
Joshua LegeDirector
Karen BrownDirector
Todd GaudinCEO
Stephine AdamsCOO
Logan DelcombreSecretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,472,072
Investment Income
$1,636,558
Other Revenue
$-2,122,646
Change in Net Assets
$1,190,289

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,108,630
Total Revenue per Audited Statements
$16,108,630
Total Revenue per Form 990
$16,108,630
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,536,728
Salaries, Compensation, and Employee Benefits$5,258,967
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,542,867
Interest---$1,851,080
Other Expenses---$1,410,996
Advertising---$1,126,705
Depreciation Depletion---$972,186
Occupancy---$890,712
Current Officers, Directors, Trustees, and Key Employees---$585,503
Payroll Taxes---$401,760
Fees for Service Investment Mgmnt Fees---$91,970
Payments to Affiliates---$86,657
Fees for Services Accounting---$86,194
Travel---$42,816
Fees for Services Legal---$20,732
Other Employee Benefits---$-271,163
Total Functional Expenses$0$0$0$12,795,695

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$14,918,341
Total Expenses per Audited Statements$14,918,341
Total Expenses per Form 990$14,918,341
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,635,897$1,719,329▲ $83,432
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$283,576,548
Dividends Payable-
Drafts Payable-
Member share accounts-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B

“A copy of Form 990 is provided to each member of Gulf Credit Unions Board of Directors.”

Form 990, Part VI, Line 19

“Gulf Credit Union makes its governing documents, conflit of interest policy and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Gulf Credit Union
EIN
74-1110172
Phone
4099631191
Address
2779 A Aero Drive, Port Arthur, TX 77640

Signing Officer

Name
Todd Gaudin
Title
CEO
Phone
4099631191
Signed
2025-11-12
Discuss with paid preparer
No

Organization Details

Principal Officer
Todd Gaudin
Formed
1939
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
89

Preparer

Firm
Sticker & Co Tax Service LLC
Address
2180 Eastex Freeway Suite A, Beaumont, TX 77703
Preparer
Brian T Sticker
Phone
4098993000
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 1

“Voluntary, cooperative, non-profit savings institution credit union incorporated under the provisions of the Texas Credit Union Act, for the purpose of encouraging thrift among our members, providing credit at a fair and reasonable rate of interest and providing an opportunity to improve our members economic condition.”

Raw XML Appendix396 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/BooksInCareOfDetail/PhoneNum04099631191
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IRS990/CYTotalRevenueAmt013985984
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IRS990/DepreciationDepletionGrp/TotalAmt0972186
IRS990/Desc0Gulf Credit Union offers share savings accounts with advantages to members of all ages. The credit union had 24,149 member-owned accounts as of December 31,2024. Member savings accounts pay dividends quarterly and offer access via multiple avenues such as home banking, the Internet, and phone banking.
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IRS990/Form990PartVIISectionAGrp/TitleTxt6Advisory Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Secretary/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt024649634
IRS990/LandBldgEquipBasisNetGrp/EOYAmt016901723
IRS990/LandBldgEquipCostOrOtherBssAmt024649634
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt09260
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0See Schedule O
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetUnrlzdGainsLossesInvstAmt03031473
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0890712
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0-271163
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Other office and occupancy expenses
IRS990/OtherExpensesGrp/TotalAmt0956680
IRS990/OtherExpensesGrp/TotalAmt11410996
IRS990/OtherLiabilitiesGrp/BOYAmt0287408600
IRS990/OtherLiabilitiesGrp/EOYAmt0283576548
IRS990/OtherRevenueTotalAmt0-2122646
IRS990/OtherSalariesAndWagesGrp/TotalAmt04542867
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0175364476
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0173245754
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt086657
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt0401760
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt021759128
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt039245024
IRS990/PrincipalOfficerNm0Todd Gaudin
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/Desc0Interest fees on loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Charges
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt09538799
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14837916
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt09538799
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14933273
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt095356
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt01495854
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt07283778
IRS990/PYOtherRevenueAmt01651782
IRS990/PYProgramServiceRevenueAmt013800996
IRS990/PYRevenuesLessExpensesAmt03986261
IRS990/PYSalariesCompEmpBnftPaidAmt05678593
IRS990/PYTotalExpensesAmt012962371
IRS990/PYTotalRevenueAmt016948632
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01635897
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01719329
IRS990/ReconcilationRevenueExpnssAmt01190289
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022585481
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt026807243
IRS990/SavingsAndTempCashInvstGrp/BOYAmt076776356
IRS990/SavingsAndTempCashInvstGrp/EOYAmt067522862
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt013593259
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04790837
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt018384096
IRS990ScheduleD/EquipmentGrp/BookValueAmt01808741
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02957074
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04765815
IRS990ScheduleD/ExpensesSubtotalAmt014918341
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt01499723
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01499723
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0283576548
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Dividends Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Drafts Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Member share accounts
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/RevenueSubtotalAmt016108630
IRS990ScheduleD/TotalBookValueLandBuildingsAmt016901723
IRS990ScheduleD/TotalExpensesPerForm990Amt014918341
IRS990ScheduleD/TotalLiabilityAmt0283576548
IRS990ScheduleD/TotalRevenuePerForm990Amt016108630
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt016108630
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt014918341
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Todd Gaudin
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Stephine Adams
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01635897
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Insurance Policy
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01600000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Ronald Burkhalter
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Former CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt01635897
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Voluntary, cooperative, non-profit savings institution credit union incorporated under the provisions of the Texas Credit Union Act, for the purpose of encouraging thrift among our members, providing credit at a fair and reasonable rate of interest and providing an opportunity to improve our members economic condition.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A copy of Form 990 is provided to each member of Gulf Credit Unions Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Gulf Credit Union makes its governing documents, conflit of interest policy and financial statements available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, Line 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0317965711
IRS990/TotalAssetsEOYAmt0312762443
IRS990/TotalAssetsGrp/BOYAmt0317965711
IRS990/TotalAssetsGrp/EOYAmt0312762443
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt089
IRS990/TotalFunctionalExpensesGrp/TotalAmt012795695
IRS990/TotalGrossUBIAmt095356
IRS990/TotalLiabilitiesBOYAmt0295380230
IRS990/TotalLiabilitiesEOYAmt0285955200
IRS990/TotalLiabilitiesGrp/BOYAmt0295380230
IRS990/TotalLiabilitiesGrp/EOYAmt0285955200
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt022585481
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt026807243
IRS990/TotalProgramServiceRevenueAmt014472072
IRS990/TotalReportableCompFromOrgAmt0528771
IRS990/TotalRevenueGrp/ExclusionAmt01637818
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt014376715
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt013985984
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt095356
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0317965711
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0312762443
IRS990/TravelGrp/TotalAmt042816
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02779 A Aero Driv
IRS990/USAddress/CityNm0Port Arthur
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd077640
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.gecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Todd Gaudin
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04099631191
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GULF CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GULF
ReturnHeader/Filer/EIN0741110172
ReturnHeader/Filer/PhoneNum04099631191
ReturnHeader/Filer/USAddress/AddressLine1Txt02779 A Aero Drive
ReturnHeader/Filer/USAddress/CityNm0Port Arthur
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077640
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0854334090
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Sticker & Co Tax Service LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02180 Eastex Freeway Suite A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Beaumont
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd077703
ReturnHeader/PreparerPersonGrp/PhoneNum04098993000
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Brian T Sticker
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-11-12T11:50:07-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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