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
- NW 35/100
- DELQ 6.1%
- ROA 2.54%
- ASSETS -2.12%
- MEM $42.9M
- RANK 4,991
- PHOTO #4,357/4,374
- BOOK BISON
- CHARTER 7520
Call Report peers
Gulf Coast in the assets neighbourhood
Gulf Coast's $42.9M assets sit next to BISON ($43.0M) 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.
Gulf 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
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
Gulf Coast - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7520. See our deposit-insurance coverage note.
Peer-gap read for Gulf Coast
- Loan-to-Share Ratio trails the peer set - 47.05% here, 59.80% peer average (-12.75 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Gulf Coast: 2025Q4 → 2026Q1
Gulf Coast: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $42.9M (2025Q4) to $44.1M (2026Q1).
- Net-worth ratio shifted -0.50 pp (6.62% → 6.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 35.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Gulf Coast, both outside Alabama 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 ($42.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (35/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama 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 Gulf Coast financially healthy?
Yes/no aside, the number is 35/100 (Weak) - Gulf Coast's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,357 of 4,374; by total assets it ranks #2,538 of 4,374 nationally (same basis as /rankings/largest); and #48 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.12% net worth ratio and 2.54% delinquency rate are the key drivers.
How does Gulf Coast compare to other credit unions?
Gulf Coast scores 35/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Gulf 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. Gulf Coast's net worth ratio of 6.12% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Gulf Coast offer compared to banks?
Credit unions like Gulf 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 Gulf 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.