TellerScore

Headquartered in Biloxi, Mississippi, Southern Coastal Federal Credit Union is a federal credit union with $14.0M in total assets and $11.4M in member shares and deposits as of Q2 2026. Its charter dates back to 1973.

Southern Coastal Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 20th. Capital cushion contributes the most (100/100, 18.21%); earnings contributes the least (55/100, 0.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.21%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity74/100
Loans ÷ shares: 86.2% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.63%

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 rose 4 points (77 → 81), mostly because the earnings component improved by 15 points.

TellerScore
737781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202475
Q4 202476
Q1 202579
Q2 202577
Q3 202573
Q4 202581
Q1 202680
Q2 202681
Net worth ratio
7.00%12.85%18.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.69%
Q3 202418.61%
Q4 202418.48%
Q1 202517.80%
Q2 202517.83%
Q3 202518.04%
Q4 202518.09%
Q1 202618.45%
Q2 202618.21%
Delinquent loans (60+ days)
0.47%0.91%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.84%
Q3 20240.88%
Q4 20240.65%
Q1 20250.84%
Q2 20250.95%
Q3 20251.34%
Q4 20250.48%
Q1 20260.47%
Q2 20260.68%
Return on assets
0.11%0.49%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.29%
Q4 20240.26%
Q1 20250.60%
Q2 20250.50%
Q3 20250.55%
Q4 20250.59%
Q1 20260.57%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$14.0M18.21%0.68%0.87%86.2%
Q1 202680$13.6M18.45%0.47%0.57%87.5%
Q4 202581$13.8M18.09%0.48%0.59%85.3%
Q3 202573$13.7M18.04%1.34%0.55%83.0%
Q2 202577$13.7M17.83%0.95%0.50%77.9%
Q1 202579$13.7M17.80%0.84%0.60%78.7%
Q4 202476$13.1M18.48%0.65%0.26%85.3%
Q3 202475$12.9M18.61%0.88%0.29%82.1%
Q2 202473$12.8M18.69%0.84%0.11%84.9%

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).

Capital ratio18.21%
70th
Problem loans0.68%
51st
Net charge-offs0.18%
50th
Return on assets0.87%
62nd
Loans to deposits86.2%
13th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.6%
46th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
N. Mississippi Health Services Emp. Federal Credit UnionCredit union Tupelo, MS97 out of 100, Very strong$14.0M20.9%0.00%vs
Pine Belt Federal Credit UnionCredit union Hattiesburg, MS73 out of 100, Strong$13.9M27.2%0.72%vs
Mississippi Highway Safty Pat Federal Credit UnionCredit union Jackson, MS69 out of 100, Moderate$13.1M28.4%6.62%vs
Ampot Federal Credit UnionCredit union Hamilton, MS52 out of 100, Below average$15.2M11.2%1.84%vs
Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS83 out of 100, Strong$12.1M11.9%0.25%vs
Vicksburg Railroad Federal Credit UnionCredit union Vicksburg, MS77 out of 100, Strong$12.0M32.8%0.52%vs

Deposit insurance

Is my money safe at Southern Coastal Federal Credit Union?

Yes. Southern Coastal Federal Credit Union is a federally insured credit union (NCUA charter #24885). 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 0.0% of shares and deposits ($0) 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 18.21%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Southern Coastal Federal Credit Union
Type
Federal credit union
NCUA charter #
24885
RSSD ID
66994
Primary regulator
NCUA
Established
1973
Headquarters
Po Box 503, Biloxi, MS 39533
Employees
6

Quick answers

Southern Coastal Federal Credit Union: common questions

Is Southern Coastal Federal Credit Union NCUA insured?

Yes. Southern Coastal Federal Credit Union is a federally insured credit union (NCUA charter #24885). 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 Southern Coastal Federal Credit Union's TellerScore?

81 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.