Gulf Trust Credit Union

Overview / Commentary

228-762-0659

2533 Denny Ave
Pascagoula, MS 39567

Gulf Trust Credit Union is headquartered in Pascagoula and is the 23^rd largest credit union in the state of Mississippi. It is also the 3,040^th largest credit union in the nation. It was established in 1972 and as of December of 2019, it had grown to 11 employees and 3,546 members at 2 locations. Gulf Trust Credit Union's CD rates are 40% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Gulf Trust Credit Union of Mississippi is open to the healthcare employees and professionals within the counties of Jackson, George, and Harrison, as well as Mobile County in Alabama along with any healthcare affiliated organizations and the direct family members of these eligible people.
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Health

Data as of Q4 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 Trust Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	24908
Year Chartered	1972
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	3.47%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$26.2MM$25.9MM
Loans	Q4 2019vs Q4 2018	$16.7MM$16.2MM
Deposits	Q4 2019vs Q4 2018	$21.8MM$21.8MM
Equity Capital	Q4 2019vs Q4 2018	$4.1MM$3.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$76.00K$74.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$137.00K$110.00K
Real Estate Owned	Q4 2019vs Q4 2018	$94.00K$36.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gulf Trust Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	-	-	IRA Share
1.00%	-	-	Christmas Club
0.35%	-	-	Regular Share
0.35%	-	-	Vacation Club

Gulf Trust Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$80k^*	-	Money Market
OTHER TIERS: 0.40% → $1k - $40k \| 0.45% → $40k - $80k

Gulf Trust Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	-	-	Share Draft Account

Gulf Trust Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.73%	-	-	48 Month Share Certificate
1.86%^*	$80k^*	-	36 Month Share Certificate
OTHER TIERS: 1.76% → Up to $40k \| 1.81% → $40k - $80k
1.61%^*	$80k^*	-	24 Month Share Certificate
OTHER TIERS: 1.51% → Up to $40k \| 1.56% → $40k - $80k
1.36%^*	$80k^*	-	18 Month Share Certificate
OTHER TIERS: 1.26% → Up to $40k \| 1.31% → $40k - $80k
1.26%^*	$80k^*	-	12 Month Share Certificate
OTHER TIERS: 1.16% → Up to $40k \| 1.21% → $40k - $80k
0.80%^*	$80k^*	-	6 Month Share Certificate
OTHER TIERS: 0.70% → Up to $40k \| 0.75% → $40k - $80k
0.75%^*	$80k^*	-	3 Month Share Certificate
OTHER TIERS: 0.65% → Up to $40k \| 0.70% → $40k - $80k

Gulf Trust Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.73%	-	-	48 Month IRA Certificate
1.86%^*	$80k^*	-	36 Month IRA Certificate
OTHER TIERS: 1.76% → Up to $40k \| 1.81% → $40k - $80k
1.61%^*	$80k^*	-	24 Month IRA Certificate
OTHER TIERS: 1.51% → Up to $40k \| 1.56% → $40k - $80k
1.36%^*	$80k^*	-	18 Month IRA Certificate
OTHER TIERS: 1.26% → Up to $40k \| 1.31% → $40k - $80k
1.26%^*	$80k^*	-	12 Month IRA Certificate
OTHER TIERS: 1.16% → Up to $40k \| 1.21% → $40k - $80k
0.80%^*	$80k^*	-	6 Month IRA Certificate
OTHER TIERS: 0.70% → Up to $40k \| 0.75% → $40k - $80k
0.75%^*	$80k^*	-	3 Month IRA Certificate
OTHER TIERS: 0.65% → Up to $40k \| 0.70% → $40k - $80k

Locations

Gulf Trust Credit Union Locations
Branch Office	23 Marks Rd	Ocean Springs, MS 39564-4351
Branch Office	2533 Denny Ave	Pascagoula, MS 39567

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