GOLD COAST
Charter #967 · PALM SPRINGS, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 19,617 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.43% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.44% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.12% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 84.73% 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 | GOLD COAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $267.81M | 68th pct | 69th pct |
| Members | 19,617 | 76th pct | 77th pct |
| Net worth ratio | 11.83% | 55th pct | 51th pct |
| Return on average assets | 0.43% | 32th pct | 25th pct |
| Net interest margin | 3.49% | 40th pct | 57th pct |
| Cost of funds | 0.44% | 17th pct | 10th pct |
| Loan-to-share | 49.33% | 12th pct | 28th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 46th pct |
| Net charge-off ratio | 0.12% | 21th pct | 25th pct |
| Loan growth YoY | 0.26% | 51th pct | 56th pct |
| Share growth YoY | 3.71% | 54th pct | 51th pct |
| Efficiency ratio | 84.73% | 71th pct | 82th pct |
structural peer set hash: 0bbd371e19a5b2aa6cf51905b75bcc9f… (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.