Federal credit union · PALM SPRINGS, Florida · NCUA charter #967
Gold Coast
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $262.7M
- Total assets
- 19,688
- Members
- 11.8%
- Net-worth ratio
Gold Coast scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $262.7M; members 19,688; net-worth ratio 11.83%; health rank #2,744 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,744 of 4,374 health · 2025Q4Gold Coast · health 80/100 · $262.7M · 2025Q4
- MEM 80/100
- RANK 11.8%
- PHOTO 0.40%
- BOOK 0.68%
- CHARTER $262.7M
- NCUSIF 19,688
- CAMELS #2,744/4,374
- HEALTH Great Northwest
- NW 967
Call Report peers
Gold Coast in the assets neighbourhood
Gold Coast's $262.7M assets sit next to Great Northwest ($262.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gold Coast vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Gold Coast - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #967, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Gold Coast diverges from peer averages
- Delinquency Rate leads the peer set - 0.40% here, 0.89% peer average (-0.50 pp).
- Largest lag: Loan-to-Share Ratio at 48.98% vs peer 72.20% (-23.22 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Gold Coast: in-state Call Report ranks
- Florida health ordinal: #84 of 109.
- By total assets, Gold Coast is #49 of 109 in Florida.
- Member book place in Florida: #43 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Gold Coast Call Report trajectory
Gold Coast: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $262.7M (2025Q4) to $267.8M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.90% → 11.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.83% | -0.28 pp |
| Delinquency Rate | 0.40% | -0.50 pp |
| Return on Assets | 0.68% | +0.06 pp |
| Member Growth | -5.36% | - |
| Loan-to-Share Ratio | 48.98% | -23.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $267.8M | - |
| 2025Q4 | $262.7M | 19,688 |
| 2024Q4 | $256.2M | 20,804 |
| 2023Q4 | $270.7M | 22,158 |
Credit Union Details
- Charter Number
- 967
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- PALM SPRINGS
- Data Quarter
- 2025Q4
Branch Locations (4)
Gold Coast operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Palm Springs, FL |
| Belle Glade | Belle Glade, FL |
| Port St. Lucie | Port Saint Lucie, FL |
| Royal Palm Beach | Royal Palm Beach, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Gold Coast, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($262.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Gold Coast ranks #2,744 of 4,374 nationally on financial health and #84 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- JETSTREAM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with JETSTREAM
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Gold Coast financially healthy?
Gold Coast has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,744 of 4,374; by total assets it ranks #1,103 of 4,374 nationally (same basis as /rankings/largest); and #49 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.83% and delinquency rate of 0.40%.
How does Gold Coast compare to other credit unions?
Gold Coast scores 80/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Gold Coast?
Gold Coast operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Gold Coast directly for the exact boundaries and application steps.
Is my money safe at Gold Coast?
Federal credit unions like Gold Coast are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Gold Coast's net worth ratio of 11.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gold Coast offer compared to banks?
Credit unions like Gold Coast are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Gold Coast directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.