Federal credit union · BILOXI, Mississippi · NCUA charter #24885
Southern Coastal
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $13.8M
- Total assets
- 1,605
- Members
- 18.4%
- Net-worth ratio
Southern Coastal scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.8M; members 1,605; net-worth ratio 18.45%; health rank #452 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#452 of 4,374 health · 2025Q4Southern Coastal · health 94/100 · $13.8M · 2025Q4
Call Report peers
Southern Coastal in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southern Coastal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southern Coastal sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
Southern Coastal vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 85.29% here, 59.80% peer average (+25.49 pp).
- Largest lag: Return on Assets at 0.24% vs peer 0.70% (-0.46 pp).
Southern Coastal: in-state Call Report ranks
- Health composite ranks #6 of 55 among scored Mississippi credit unions.
- Mississippi assets place: #30 of 55.
- Mississippi membership ordinal: #37 of 55.
- One place up in Mississippi, Natchez Educators (#5) ties at 94/100; one place down, STATEWIDE (#7) ties at 94/100.
How Southern Coastal's 5300 filing moved
Southern Coastal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $13.8M (2025Q4) to $13.6M (2026Q1).
- Net-worth ratio shifted +0.36 pp (18.09% → 18.45%).
18.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Southern Coastal gives up 6 points in total. Return on Assets costs the most, 3.9 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.1 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for Southern Coastal
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.45% | +3.59 pp |
| Delinquency Rate | 0.48% | -0.66 pp |
| Return on Assets | 0.24% | -0.46 pp |
| Member Growth | 2.95% | - |
| Loan-to-Share Ratio | 85.29% | +25.49 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Southern Coastal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.6M | - |
| 2025Q4 | $13.8M | 1,605 |
| 2024Q4 | $13.1M | 1,559 |
| 2023Q4 | $12.5M | 1,554 |
Credit Union Details
- Charter Number
- 24885
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- BILOXI
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Southern Coastal.
| Office | City |
|---|---|
| Main Office (Main Office) | BILOXI, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Southern Coastal
Using this data
- Southern Coastal ranks #452 of 4,374 nationally on financial health and #6 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pine Belt is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pine Belt
Frequently Asked Questions
Is Southern Coastal financially healthy?
Southern Coastal has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #452 of 4,374 nationally on health and #6 of 55 in Mississippi. Its net worth ratio is 18.45% and its delinquency rate 0.48%.
How does Southern Coastal compare to other credit unions?
Southern Coastal scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (85.29% vs 59.80%). Its widest shortfall is return on assets (0.24% vs 0.70%).
How can I join Southern Coastal?
Southern Coastal 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 Southern Coastal directly for the exact boundaries and application steps.
Is my money safe at Southern Coastal?
Southern Coastal 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. Southern Coastal's net worth ratio of 18.45% 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.