Gulf Coast Federal Credit Union (AL)
Overview / Commentary
Gulf Coast Federal Credit Union (AL) is headquartered in Mobile and is the 48th largest credit union in the state of Alabama. It is also the 2,546th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 19 employees and 5,507 members at 3 locations. Gulf Coast Federal Credit Union (AL) has a C health rating.
Field of Membership Restrictions
Membership in Gulf Coast Federal Credit Union is open to those who live, work, worship, or attend school, as well as businesses and other legal entities, in Mobile County, Alabama.
See current membership details
Health
C
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Gulf Coast Federal Credit Union (AL) has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 7520 |
| Year Chartered | 1951 |
| Employees | 19 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.27% |
| Return on Equity - YTD | -19.86% |
| Annual Interest Income | $453K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $44MM$50.7MM |
| Loans | Q1 2025vs Q1 2024 | $19.8MM$21.4MM |
| Deposits | Q1 2025vs Q1 2024 | $40.9MM$46.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $2.8MM$3.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $252K$17K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $460K$318K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |