Gulf Coast
Mobile, AL · Charter 7520 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$44.2MAssets
$18.2MLoans
$41.5MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 29% of credit unions under $1B in assets (rank 1202 of 1683).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1670 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.99%
Rank 1,617 of 1,683
Net Interest Margin
3.40%
Rank 1,202 of 1,683
Efficiency Ratio
113.66%
Rank 1,625 of 1,682
Equity / Assets
5.93%
Rank 1,670 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.99% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,617 / 1,683 | | |
| Return on Equity | -16.77% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,647 / 1,681 | | |
| Net Interest Margin | 3.40% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,202 / 1,683 | | |
| Efficiency Ratio | 113.66% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,625 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.74% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,531 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 5.93% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,670 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 5.93% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,670 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 43.74% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,432 / 1,683 | | |
| Loans / Assets | 41.07% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,335 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |