Gulf Coast Community
Gulfport, MS · Charter 242 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$125.5MAssets
$83.2MLoans
$101.4MShares
$22.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 83% of credit unions under $1B in assets (rank 285 of 1683).
- Widest gap: return on equity trails 75% of credit unions under $1B in assets (rank 1265 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.47%
Rank 1,164 of 1,683
Net Interest Margin
4.60%
Rank 285 of 1,683
Efficiency Ratio
83.74%
Rank 1,127 of 1,682
Equity / Assets
17.70%
Rank 345 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,164 / 1,683 | | |
| Return on Equity | 2.66% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,265 / 1,681 | | |
| Net Interest Margin | 4.60% | 3.31% | 3.82% | 4.32% | Beats 83% | 285 / 1,683 | | |
| Efficiency Ratio | 83.74% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,127 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.22% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,236 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.70% | 10.44% | 12.89% | 16.53% | Beats 80% | 345 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.70% | 10.44% | 12.89% | 16.53% | Beats 80% | 345 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.03% | 52.61% | 69.38% | 83.50% | 73rd pctl | 453 / 1,683 | | |
| Loans / Assets | 66.28% | 44.71% | 59.18% | 70.72% | 65th pctl | 587 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |