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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,390 of 4,374 health · 2025Q4Gulf Coast Community · health 73/100 · $126.3M · 2025Q4
- PHOTO 73/100
- BOOK 17.5%
- CHARTER 1.79%
- NCUSIF -0.06%
- CAMELS $126.3M
- HEALTH 12,079
- NW #3,390/4,374
- DELQ EASTEX
- ROA 242
Call Report peers
Gulf Coast Community in the assets neighbourhood
Gulf Coast Community's $126.3M assets sit next to EASTEX ($126.2M) 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 Community 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
73 21st percentile higher than 21% 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 Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #242, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Gulf Coast Community Call Report trajectory
Gulf Coast Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $126.3M (2025Q4) to $126.3M (2026Q1).
- Net-worth ratio shifted +0.14 pp (17.36% → 17.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
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).
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
Two NCUA Call Report peer sets for Gulf Coast Community, both outside Mississippi 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 ($126.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi 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 Community financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Gulf Coast Community'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 #3,390 of 4,374; by total assets it ranks #1,633 of 4,374 nationally (same basis as /rankings/largest); and #13 of 55 within Mississippi. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.50% net worth ratio and 1.79% delinquency rate are the key drivers.
How does Gulf Coast Community compare to other credit unions?
PlainCU's health composite puts Gulf Coast Community at 73/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Gulf Coast Community 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 Community's net worth ratio of 17.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gulf Coast Community offer compared to banks?
Credit unions like Gulf Coast Community 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 Community 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.