Federal credit union · PASCAGOULA, Mississippi · NCUA charter #24908
Gulf Trust
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $25.6M
- Total assets
- 2,739
- Members
- 21.0%
- Net-worth ratio
Gulf Trust scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.6M; members 2,739; net-worth ratio 20.96%; health rank #2,522 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,522 of 4,374 health · 2025Q4Gulf Trust · health 81/100 · $25.6M · 2025Q4
Call Report peers
Gulf Trust in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gulf Trust vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Gulf Trust sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Gulf Trust vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 86.97% here, 59.80% peer average (+27.17 pp).
Gulf Trust in Mississippi
- Mississippi health ordinal: #29 of 55.
- Mississippi assets place: #25 of 55.
- Member book place in Mississippi: #26 of 55.
- One place up in Mississippi, MEMORIAL (#28) ties at 81/100; one place down, Pine Belt (#30) scores 80/100, 1 point lower.
Gulf Trust Call Report trajectory
Gulf Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $25.6M (2025Q4) to $26.2M (2026Q1).
- Net-worth ratio shifted -0.16 pp (21.12% → 20.96%).
20.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Gulf Trust gives up 19 points in total. Member Growth costs the most, 13.9 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 15.0 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 14.8 pts
Gulf Trust vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.96% | +6.10 pp |
| Delinquency Rate | 0.99% | -0.16 pp |
| Return on Assets | 0.95% | +0.25 pp |
| Member Growth | -4.36% | - |
| Loan-to-Share Ratio | 86.97% | +27.17 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Gulf Trust
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.2M | - |
| 2025Q4 | $25.6M | 2,739 |
| 2024Q4 | $26.4M | 2,864 |
| 2023Q4 | $26.3M | 2,965 |
Credit Union Details
- Charter Number
- 24908
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- PASCAGOULA
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Gulf Trust.
| Office | City |
|---|---|
| Gulf Trust Federal Credit Union (Main Office) | Pascagoula, 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.
Cross-state Call Report peers for Gulf Trust
Similar total assets
Using this data
- Gulf Trust ranks #2,522 of 4,374 nationally on financial health and #29 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Neshoba is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Neshoba
Frequently Asked Questions
Is Gulf Trust financially healthy?
Gulf Trust has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,522 of 4,374 nationally on health and #29 of 55 in Mississippi. Its net worth ratio is 20.96% and its delinquency rate 0.99%.
How does Gulf Trust compare to other credit unions?
Gulf Trust scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (86.97% vs 59.80%).
How can I join Gulf Trust?
Gulf Trust 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 Trust directly for the exact boundaries and application steps.
Is my money safe at Gulf Trust?
Gulf Trust 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 Trust's net worth ratio of 20.96% 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.