Gulf Coast Federal Credit Union (AL)

Overview / Commentary

www.gulfcoastfcu.org

251-342-7521

1001 Spring Hill Ave
Mobile, AL 36604-2713

Gulf Coast Federal Credit Union (AL) is headquartered in Mobile and is the 43^rd largest credit union in the state of Alabama. It is also the 2,550^th largest credit union in the nation. It was established in 1951 and as of September of 2019, it had grown to 17 employees and 6,160 members at 2 locations. Gulf Coast Federal Credit Union (AL) has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of Mobile County, the City of Mobile, member companies of the Mobile Chamber of Commerce, or the Merit System of Mobile County,
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Health

B+

Data as of Q3 2019

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Additional 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	17
Primary Regulator

Profit Margin
Return on Assets - YTD	0.28%
Return on Equity - YTD	2.04%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$40.5MM$33.4MM
Loans	Q3 2019vs Q3 2018	$18.8MM$14.9MM
Deposits	Q3 2019vs Q3 2018	$34.6MM$28.6MM
Equity Capital	Q3 2019vs Q3 2018	$5.7MM$4.6MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$179.00K$228.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$185.00K$226.00K
Real Estate Owned	Q3 2019vs Q3 2018	$150.00K$118.00K

Rates

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Savings
Money Market
Checking
CD

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Gulf Coast Federal Credit Union (AL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$100	-	IRA Share Account
0.25%	$100	-	Shares

Gulf Coast Federal Credit Union (AL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	$2.5k	-	Money Market

Gulf Coast Federal Credit Union (AL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Draft

Gulf Coast Federal Credit Union (AL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$500	-	48 Months CD
1.00%	$500	-	36 Months CD
0.90%	$500	-	24 Months CD
0.70%	$500	-	18 Months CD
0.60%	$500	-	12 Months CD
0.45%	$500	-	6 Months CD

Locations

Gulf Coast Federal Credit Union (AL) Locations
Branch Office	1001 Spring Hill Ave	Mobile, AL 36604-2713
Branch Office	4313 Downtowner Loop S	Mobile, AL 36609

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