PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gulf Coast

Mobile, AL · Charter 7520

NCUA · 3 branches

Q2 2026

$44.2MAssets
$18.2MLoans
$41.5MShares
$2.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.99%, down 5 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 2.74% of loans (+171 bps YoY).
  • Capital: net worth / assets of 5.93%, down 131 bps from a year ago.
  • Funding: loans stand at 43.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.99%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-1 bps YoY

Efficiency Ratio (YTD, annualized)

113.73%+424 bps YoY

Net Worth / Assets

5.93%-131 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.94%-1.16%-1.41%-1.32%-0.99%-5 bps
Return on Equity-13.01%-16.26%-21.25%-21.56%-16.76%-375 bps
Net Interest Margin3.40%3.44%3.46%3.47%3.39%-1 bps
Efficiency Ratio109.49%109.91%112.74%121.16%113.73%+424 bps
Growth
Asset Growth (YoY)-5.26%-7.31%0.23%0.17%0.01%+527 bps
Loan Growth (YoY)-9.34%-6.83%-6.15%-6.73%-2.90%+644 bps
Share Growth (YoY)-4.90%-6.12%0.94%1.06%1.12%+602 bps
Asset Quality
Delinquent Loans / Loans1.04%1.78%2.54%2.75%2.74%+171 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.24%7.15%6.62%6.12%5.93%-131 bps
Net Worth / Assets7.24%7.15%6.62%6.12%5.93%-131 bps
Liquidity & Funding
Loans / Shares45.54%46.51%47.05%44.57%43.74%-181 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps