Federal credit union · MOBILE, Alabama · NCUA charter #7520
Gulf Coast
Health score 35/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 35
- Health / 100
- $42.9M
- Total assets
- 4,991
- Members
- 6.1%
- Net-worth ratio
Gulf Coast scores 35/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $42.9M; members 4,991; net-worth ratio 6.12%; health rank #4,357 of 4,374; healthier than 0th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,357 of 4,374 health · 2025Q4Gulf Coast · health 35/100 · $42.9M · 2025Q4
Call Report peers
Gulf Coast in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gulf Coast vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Gulf Coast sits in 35-39 with 14 others.
35 0th percentile in the bottom 1% 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
Peer-gap read for Gulf Coast
- Loan-to-Share Ratio trails the peer set - 47.05% here, 59.80% peer average (-12.75 pp).
Alabama standing for Gulf Coast
- In Alabama, health place is #89 of 89 on the same NCUA-ratio sort used nationally.
- Alabama assets place: #48 of 89.
- Membership ranks #40 of 89 among Alabama CUs with a reported count (4,991 members).
- No scored Alabama credit union ranks lower; the next one up, Montgomery Va (#88) scores 41/100, 6 points higher.
Gulf Coast: 2025Q4 → 2026Q1
Gulf Coast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $42.9M (2025Q4) to $44.1M (2026Q1).
- Net-worth ratio shifted -0.50 pp (6.62% → 6.12%).
6.12% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 35/100 score is built
Gulf Coast gives up 65 points in total. Delinquency Rate costs the most, 15.9 of its 25; Loan-to-Share Ratio loses the least, 4.8.
- Net Worth Ratio 15.9 pts
- Delinquency Rate 9.1 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Gulf Coast vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.12% | -8.74 pp |
| Delinquency Rate | 2.54% | +1.39 pp |
| Return on Assets | -2.12% | -2.83 pp |
| Member Growth | -9.97% | - |
| Loan-to-Share Ratio | 47.05% | -12.75 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Gulf Coast filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.1M | - |
| 2025Q4 | $42.9M | 4,991 |
| 2024Q4 | $42.8M | 5,544 |
| 2023Q4 | $51.4M | 5,824 |
Credit Union Details
- Charter Number
- 7520
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- MOBILE
- Data Quarter
- 2025Q4
Branch Locations (3)
Gulf Coast operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office-1001 Springhill (Main Office) | Mobile, AL |
| Branch-4313 Downtowner | Mobile, AL |
| Theodore-5808 Hwy. 90 | Theodore, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Gulf Coast
Similar total assets
Similar health score
Using this data
- Gulf Coast ranks #4,357 of 4,374 nationally on financial health and #89 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Red Oak is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Red Oak
Frequently Asked Questions
Is Gulf Coast financially healthy?
On its 2025Q4 NCUA 5300 filing, Gulf Coast scores 35/100 (Weak), with a 6.12% net worth ratio and 2.54% of loans delinquent. It ranks #4,357 of 4,374 nationally on health and #89 of 89 in Alabama.
How does Gulf Coast compare to other credit unions?
Gulf Coast scores 35/100, higher than 0% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (47.05% vs 59.80%).
How can I join Gulf Coast?
Gulf 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 Gulf Coast directly for the exact boundaries and application steps.
Is my money safe at Gulf Coast?
Gulf 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. Gulf Coast's net worth ratio of 6.12% is relative to 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.