Headquartered in Mobile, Alabama, Gulf Coast Federal Credit Union is a federal credit union with $44.2M in total assets and $41.5M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1951.
Based on its Q2 2026 filing, Gulf Coast Federal Credit Union scores 26/100, which we describe as low. That is higher than only 1% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 85th. Its strongest component is funding & liquidity (100/100; 44% loans-to-deposits, 2% uninsured), and its lowest is earnings (0/100; -0.99%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 21 points (47 → 26), mostly because the loan quality component weakened by 56 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 38 |
| Q3 2024 | 55 |
| Q4 2024 | 46 |
| Q1 2025 | 35 |
| Q2 2025 | 47 |
| Q3 2025 | 40 |
| Q4 2025 | 30 |
| Q1 2026 | 27 |
| Q2 2026 | 26 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.13% |
| Q3 2024 | 7.83% |
| Q4 2024 | 7.96% |
| Q1 2025 | 7.44% |
| Q2 2025 | 7.24% |
| Q3 2025 | 7.15% |
| Q4 2025 | 6.62% |
| Q1 2026 | 6.12% |
| Q2 2026 | 5.93% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.30% |
| Q3 2024 | 0.33% |
| Q4 2024 | 1.41% |
| Q1 2025 | 2.33% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.78% |
| Q4 2025 | 2.54% |
| Q1 2026 | 2.75% |
| Q2 2026 | 2.74% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -2.90% |
| Q3 2024 | -2.41% |
| Q4 2024 | -2.13% |
| Q1 2025 | -1.25% |
| Q2 2025 | -0.94% |
| Q3 2025 | -1.16% |
| Q4 2025 | -1.41% |
| Q1 2026 | -1.32% |
| Q2 2026 | -0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 26 | $44.2M | 5.93% | 2.74% | -0.99% | 43.7% |
| Q1 2026 | 27 | $44.1M | 6.12% | 2.75% | -1.32% | 44.6% |
| Q4 2025 | 30 | $42.9M | 6.62% | 2.54% | -1.41% | 47.0% |
| Q3 2025 | 40 | $43.0M | 7.15% | 1.78% | -1.16% | 46.5% |
| Q2 2025 | 47 | $44.2M | 7.24% | 1.04% | -0.94% | 45.5% |
| Q1 2025 | 35 | $44.0M | 7.44% | 2.33% | -1.25% | 48.3% |
| Q4 2024 | 46 | $42.8M | 7.96% | 1.41% | -2.13% | 50.6% |
| Q3 2024 | 55 | $46.4M | 7.83% | 0.33% | -2.41% | 46.9% |
| Q2 2024 | 38 | $46.7M | 8.13% | 2.30% | -2.90% | 47.8% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Solutions First Federal Credit UnionCredit union Enterprise, AL | 20 out of 100, Low | $45.2M | 1.9% | 2.43% | vs |
| Electrical Workers No 558 Federal Credit UnionCredit union Sheffield, AL | 99 out of 100, Very strong | $45.9M | 20.5% | 0.00% | vs |
| Azalea City Credit UnionCredit union Mobile, AL | 78 out of 100, Strong | $47.2M | 15.2% | 1.57% | vs |
| Mead Coated Board Federal Credit UnionCredit union Eufaula, AL | 62 out of 100, Moderate | $40.3M | 23.0% | 6.71% | vs |
| Red Oak Credit UnionCredit union Tuscaloosa, AL | 46 out of 100, Below average | $40.1M | 5.8% | 0.68% | vs |
| Lauderdale County Teachers Credit UnionCredit union Florence, AL | 90 out of 100, Very strong | $38.5M | 12.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Gulf Coast Federal Credit Union?
Yes. Gulf Coast Federal Credit Union is a federally insured credit union (NCUA charter #7520). 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 2.0% of shares and deposits ($840K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 5.93%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Gulf Coast Federal Credit Union lists 3 offices in 2 cities. Most locations:
- Mobile, AL (2)
- Theodore, AL (1)
Identity & history
Profile
- Legal name
- Gulf Coast Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7520
- RSSD ID
- 624086
- Primary regulator
- NCUA
- Established
- 1951
- Headquarters
- 1001 Springhill Ave, Mobile, AL 36604
- Employees
- 17
Quick answers
Gulf Coast Federal Credit Union: common questions
Is Gulf Coast Federal Credit Union NCUA insured?
Yes. Gulf Coast Federal Credit Union is a federally insured credit union (NCUA charter #7520). 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 Gulf Coast Federal Credit Union's TellerScore?
26 out of 100 (Low), 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 Gulf Coast Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Mobile
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University of South Alabama Federal Credit UnionCredit union Mobile, AL | 96 out of 100, Very strong | $56.2M | 16.4% | 0.49% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Mobile Government Emp. Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $15.0M | 22.0% | 0.00% | vs |
| Blue Flame Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $10.7M | 15.4% | 0.00% | vs |
| Navigator Federal Credit UnionCredit union Pascagoula, MS | 90 out of 100, Very strong | $406.7M | 18.0% | 0.38% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |