GULF COAST COMMUNITY
Charter #242 · GULFPORT, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.50% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.50% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.51% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.69% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.07% sits at the 82nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GULF COAST COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $126.26M | 18th pct | 28th pct |
| Members | 12,102 | 45th pct | 57th pct |
| Net worth ratio | 17.50% | 94th pct | 84th pct |
| Return on average assets | 0.50% | 36th pct | 23th pct |
| Net interest margin | 4.51% | 90th pct | 87th pct |
| Cost of funds | 1.45% | 64th pct | 64th pct |
| Loan-to-share | 79.35% | 67th pct | 48th pct |
| Delinquency 60+ days | 1.08% | 79th pct | 72th pct |
| Net charge-off ratio | 1.69% | 97th pct | 98th pct |
| Loan growth YoY | 3.70% | 80th pct | 80th pct |
| Share growth YoY | 2.88% | 41th pct | 43th pct |
| Efficiency ratio | 86.07% | 75th pct | 82th pct |
structural peer set hash: 10205729c57913fe2d477de179c2279e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.