GULF COAST
Charter #7520 · MOBILE, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,792 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 6.12% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -1.34% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.75% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 121.16% sits at the 97th 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.08M | 90th pct | 67th pct |
| Members | 4,792 | 95th pct | 92th pct |
| Net worth ratio | 6.12% | 1th pct | 2th pct |
| Return on average assets | -1.34% | 5th pct | 3th pct |
| Net interest margin | 3.52% | 35th pct | 52th pct |
| Cost of funds | 0.59% | 38th pct | 46th pct |
| Loan-to-share | 44.57% | 28th pct | 36th pct |
| Delinquency 60+ days | 2.75% | 91th pct | 90th pct |
| Net charge-off ratio | 0.23% | 58th pct | 56th pct |
| Loan growth YoY | -1.00% | 62th pct | 59th pct |
| Share growth YoY | 3.31% | 59th pct | 64th pct |
| Efficiency ratio | 121.16% | 97th pct | 97th pct |
structural peer set hash: a44d7c01c95206bd4c5699d06b0e386a… (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.