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
Call Report peers
Gold Coast in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Gold Coast sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Florida, Jax Fire (#83) ties at 80/100; one place down, INSIGHT (#85) ties at 80/100.
Gold Coast Call Report trajectory
Gold Coast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $262.7M (2025Q4) to $267.8M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.90% → 11.83%).
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
Gold Coast gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Gold Coast financially healthy?
On its 2025Q4 NCUA 5300 filing, Gold Coast scores 80/100 (Excellent), with a 11.83% net worth ratio and 0.40% of loans delinquent. It ranks #2,744 of 4,374 nationally on health and #84 of 109 in Florida.
How does Gold Coast compare to other credit unions?
Gold Coast scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.40% vs 0.89%). Its widest shortfall is loan-to-share ratio (48.98% vs 72.20%).
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?
Gold Coast is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.