Federal credit union · GULFPORT, Mississippi · NCUA charter #242
Gulf Coast Community
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $126.3M
- Total assets
- 12,079
- Members
- 17.5%
- Net-worth ratio
Gulf Coast Community scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $126.3M; members 12,079; net-worth ratio 17.50%; health rank #3,390 of 4,374; healthier than 21st of scored peers.
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NCUA 5300 Call Report Masthead
#3,390 of 4,374 health · 2025Q4Gulf Coast Community · health 73/100 · $126.3M · 2025Q4
Call Report peers
Gulf Coast Community 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 Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Gulf Coast Community sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Gulf Coast Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 78.77% here, 72.20% peer average (+6.57 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.90 pp (1.79% vs 0.89%).
Gulf Coast Community: in-state Call Report ranks
- Health composite ranks #41 of 55 among scored Mississippi credit unions.
- By total assets, Gulf Coast Community is #13 of 55 in Mississippi.
- Mississippi membership ordinal: #11 of 55.
- One place up in Mississippi, First Unity (#40) scores 75/100, 2 points higher; one place down, One South (#42) scores 72/100, 1 point lower.
Gulf Coast Community Call Report trajectory
Gulf Coast Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $126.3M (2025Q4) to $126.3M (2026Q1).
- Net-worth ratio shifted +0.14 pp (17.36% → 17.50%).
At 17.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
Gulf Coast Community gives up 27 points in total. Return on Assets costs the most, 11 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.1 pts
- Return on Assets 4.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Gulf Coast Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.50% | +5.39 pp |
| Delinquency Rate | 1.79% | +0.90 pp |
| Return on Assets | -0.06% | -0.68 pp |
| Member Growth | 0.90% | - |
| Loan-to-Share Ratio | 78.77% | +6.57 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Gulf Coast Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $126.3M | - |
| 2025Q4 | $126.3M | 12,079 |
| 2024Q4 | $119.1M | 11,971 |
| 2023Q4 | $130.9M | 11,910 |
Credit Union Details
- Charter Number
- 242
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- GULFPORT
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Gulf Coast Community, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Gulfport, MS |
| Bay St Louis Branch | Bay St Louis, MS |
| D'Iberville Branch | DIberville, MS |
| Downtown Office | Gulfport, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Gulf Coast Community nationwide neighbourhoods
Using this data
- Gulf Coast Community ranks #3,390 of 4,374 nationally on financial health and #41 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRIANGLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRIANGLE
Frequently Asked Questions
Is Gulf Coast Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Gulf Coast Community scores 73/100 (Very Good), with a 17.50% net worth ratio and 1.79% of loans delinquent. It ranks #3,390 of 4,374 nationally on health and #41 of 55 in Mississippi.
How does Gulf Coast Community compare to other credit unions?
Gulf Coast Community scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.77% vs 72.20%). Its widest shortfall is delinquency rate (1.79% vs 0.89%).
How can I join Gulf Coast Community?
Gulf Coast Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at Gulf Coast Community?
Gulf Coast Community 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 Community's net worth ratio of 17.50% 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.