Federal credit union · GULFPORT, Mississippi · NCUA charter #242
Gulf Coast Community
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $126.3M
- Total assets
- 12,079
- Members
- 17.4%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)56
- Earnings (ROA)27
- Member growth67
- Liquidity (loan-to-share)100
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.36% | 30% |
| Delinquency Rate | 1.79% | 25% |
| Return on Assets | -0.06% | 15% |
| Member Growth | 0.90% | 15% |
| Loan-to-Share Ratio | 78.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Gulf Coast Community
The five-factor composite scores Gulf Coast Community at 73/100 (Very Good), reflecting a net worth ratio of 17.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in GULFPORT, Mississippi, reports 12,079 members, $126.3M in total assets, and $80.3M in outstanding loans as of Q4 2025 under charter #242 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
1.79% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 78.77% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.06% on net income of $-73191 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.90%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Mississippi
Other federally-insured credit unions in Mississippi, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.36% 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 17.36% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.