PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gulf Coast Community

Gulfport, MS · Charter 242

NCUA · 4 branches

Q2 2026

$125.5MAssets
$83.2MLoans
$101.4MShares
$22.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.47%, up 41 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 1.22% of loans (-5 bps YoY).
  • Capital: net worth / assets of 17.70%, up 5 bps from a year ago.
  • Funding: loans stand at 82.03% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.47%+41 bps YoY

Net Interest Margin (quarter, annualized)

4.60%+49 bps YoY

Efficiency Ratio (quarter, annualized)

83.75%-525 bps YoY

Net Worth / Assets

17.70%+5 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%-0.06%0.44%0.07%0.15%0.20%0.50%0.47%+41 bps
Return on Equity0.79%-0.33%2.48%0.37%0.84%1.15%2.85%2.67%+230 bps
Net Interest Margin3.83%4.16%4.14%4.11%4.24%4.20%4.51%4.60%+49 bps
Efficiency Ratio86.09%86.55%88.95%89.00%88.48%88.56%86.07%83.75%-525 bps
Growth
Asset Growth (YoY)-1.30%-9.02%-8.83%-5.83%-4.23%6.09%2.73%1.18%+702 bps
Loan Growth (YoY)-1.45%-3.55%-1.65%-1.25%1.28%5.40%6.35%8.84%+1,008 bps
Share Growth (YoY)-2.62%-0.17%0.11%4.65%5.77%6.28%2.84%0.98%-367 bps
Asset Quality
Delinquent Loans / Loans1.78%1.57%1.17%1.27%1.73%1.79%1.08%1.22%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.27%18.37%17.91%17.66%17.82%17.36%17.50%17.70%+5 bps
Net Worth / Assets17.27%18.37%17.91%17.66%17.82%17.36%17.50%17.70%+5 bps
Liquidity & Funding
Loans / Shares82.21%79.42%76.73%76.10%78.73%78.77%79.35%82.03%+593 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps