TellerScore

Headquartered in Palm Springs, Florida, Gold Coast Federal Credit Union is a federal credit union with $269.8M in total assets and $239.9M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Gold Coast Federal Credit Union scores 75/100, which we describe as strong. That is higher than 66% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 38th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 4% uninsured), and its lowest is earnings (43/100; 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.91%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity100/100
Loans ÷ shares: 54.6% · 3.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 75).

TellerScore
737576Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202475
Q1 202575
Q2 202576
Q3 202576
Q4 202576
Q1 202673
Q2 202675
Net worth ratio
7.00%9.46%11.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.45%
Q3 202410.95%
Q4 202411.39%
Q1 202511.54%
Q2 202511.56%
Q3 202511.90%
Q4 202511.90%
Q1 202611.83%
Q2 202611.91%
Delinquent loans (60+ days)
0.18%0.35%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.36%
Q4 20240.42%
Q1 20250.33%
Q2 20250.25%
Q3 20250.38%
Q4 20250.40%
Q1 20260.52%
Q2 20260.43%
Return on assets
0.43%0.58%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.73%
Q4 20240.70%
Q1 20250.59%
Q2 20250.56%
Q3 20250.64%
Q4 20250.61%
Q1 20260.43%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$269.8M11.91%0.43%0.58%54.6%
Q1 202673$267.8M11.83%0.52%0.43%49.3%
Q4 202576$262.7M11.90%0.40%0.61%49.0%
Q3 202576$259.0M11.90%0.38%0.64%51.0%
Q2 202576$260.4M11.56%0.25%0.56%49.5%
Q1 202575$264.5M11.54%0.33%0.59%45.3%
Q4 202475$256.2M11.39%0.42%0.70%47.7%
Q3 202475$265.3M10.95%0.36%0.73%46.7%
Q2 202474$271.1M10.45%0.18%0.66%45.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.91%
56th
Problem loans0.43%
72nd
Net charge-offs0.20%
71st
Return on assets0.58%
36th
Loans to deposits54.6%
86th
Uninsured deposits3.5%
76th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
79th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Keys Federal Credit UnionCredit union Key West, FL62 out of 100, Moderate$253.2M11.0%0.88%vs
Community South Credit UnionCredit union Chipley, FL71 out of 100, Strong$244.6M13.1%0.96%vs
Alive Credit UnionCredit union Jacksonville, FL78 out of 100, Strong$295.5M11.7%0.47%vs
Loyalty Credit UnionCredit union Pensacola, FL75 out of 100, Strong$300.3M11.6%0.66%vs
Jetstream Federal Credit UnionCredit union Miami Lakes, FL66 out of 100, Moderate$307.0M10.0%0.32%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs

Deposit insurance

Is my money safe at Gold Coast Federal Credit Union?

Yes. Gold Coast Federal Credit Union is a federally insured credit union (NCUA charter #967). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.5% of shares and deposits ($8.5M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.91%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Gold Coast Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Gold Coast Federal Credit Union reported 87 home-loan applications under HMDA (LEI 549300M9RHNQ4107R694): 68 originated ($6,770,000 total), 10 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Gold Coast Federal Credit Union
Type
Federal credit union
NCUA charter #
967
RSSD ID
617378
Primary regulator
NCUA
Established
1936
Headquarters
2226 S Congress Ave, Palm Springs, FL 33406
Employees
65

Quick answers

Gold Coast Federal Credit Union: common questions

Is Gold Coast Federal Credit Union NCUA insured?

Yes. Gold Coast Federal Credit Union is a federally insured credit union (NCUA charter #967). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Gold Coast Federal Credit Union's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Gold Coast Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Palm Springs

InstitutionScoreAssetsCapitalProblem loansCompare
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs
Natbank, National AssociationBank Hollywood, FL77 out of 100, Strong$296.5M29.8%0.00%vs
Pacific National BankBank Miami, FL77 out of 100, Strong$1.6B10.8%0.01%vs