Overview / Commentary
Gulf Trust Federal Credit Union is headquartered in Pascagoula and is the 26th largest credit union in the state of Mississippi. It is also the 2,988th largest credit union in the nation. It was established in 1972 and as of March of 2025, it had grown to 10 employees and 2,796 members at 1 location. Gulf Trust Federal Credit Union has a B health rating.
Field of Membership Restrictions
Gulf Trust Federal 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.
See current membership details
Health
B
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 Trust Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 24908 |
| Year Chartered | 1972 |
| Employees | 10 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.48% |
| Return on Equity - YTD | 7.4% |
| Annual Interest Income | $331K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $27.1MM$27.7MM |
| Loans | Q1 2025vs Q1 2024 | $17.4MM$17.6MM |
| Deposits | Q1 2025vs Q1 2024 | $21.6MM$22.4MM |
| Equity Capital | Q1 2025vs Q1 2024 | $5.3MM$5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $76K$72K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $322K$151K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |