GULF COAST COMMUNITY
Charter #242 | MS
100M-500M
(1077 CUs)
Micro
($0-$500M)
12 100M-500M in MS
GULF COAST COMMUNITY has 9 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 25.5% in tier
- + Emerging Performer: Top 25.8% in tier
- + Relationship Depth Leader: Top 28.6% in tier
- + Organic Growth Leader: Top 31.2% in tier
- + Organic Growth Engine: Top 32.1% in tier
- + Net Interest Margin 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.5% in tier
- + Net Worth Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.7% in tier
- - Liquidity Overhang: Bottom 10.0% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 11.21% above tier (higher cost structure)
- - Delinquency rate 0.87% above tier average
- - Asset Growth Rate: Bottom 4.5% in tier
- - Net Charge-Off Rate: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,053
+0.7% YoY+0.1% QoQ
|
-3.6K |
15,628
-3.4% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
42nd in tier |
| Assets |
$123.5M
-4.2% YoY-0.5% QoQ
|
$-107.8M |
$231.3M
-0.0% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 15.4% in tier |
| Loans |
$78.2M
+1.3% YoY+2.3% QoQ
|
$-69.6M |
$147.8M
-1.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 20.8% in tier |
| Deposits |
$99.4M
+5.8% YoY-1.1% QoQ
|
$-100.9M |
$200.3M
-0.0% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.6% in tier |
| ROA |
0.1%
+10.6% YoY+127.6% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.5% in tier |
| NIM |
4.2%
+11.5% YoY+2.4% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 16.1% in tier |
| Efficiency Ratio |
88.5%
+2.8% YoY-0.6% QoQ
|
+11.2% |
77.3%
-3.0% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Top 13.2% in tier |
| Delinquency Rate |
1.7%
-2.8% YoY+36.0% QoQ
|
+0.9 |
0.9%
+7.6% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 10.4% in tier |
| Loan To Share |
78.7%
-4.2% YoY+3.4% QoQ
|
+6.0% |
72.7%
-1.5% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
60th in tier |
| AMR |
$14,733
+3.1% YoY+0.3% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.8% in tier |
| CD Concentration |
27.8%
+12.3% YoY+3.5% QoQ
|
+3.4% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Wallet Share Momentum
growth
#703 of 1006 • Top 25.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.06%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Emerging Performer
growth
#485 of 627 • Top 25.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.15%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
0.66%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#788 of 1006 • Top 28.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.06%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.3K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#412 of 430 • Top 31.2% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.66%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#589 of 603 • Top 32.1% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.66%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.15%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Concerns (2)
Efficiency Drag
risk
#13 of 521 • Bottom 0.7% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
88.48%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.01% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
0.66%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#156 of 552 • Bottom 10.0% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
17.79%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
78.73%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
28
Fee Income Per Member
profitability
Value:
$350.10
Peer Avg: $174.31
#28 of 1077
Top 2.5% in 100M-500M tier
61
Net Worth Ratio
risk
Value:
17.79%
Peer Avg: 12.15%
#61 of 1077
Top 5.6% in 100M-500M tier
173
Net Interest Margin (NIM)
profitability
Value:
4.23%
Peer Avg: 3.58%
#173 of 1077
Top 16.0% in 100M-500M tier
Top Weaknesses (12 metrics)
1029
Asset Growth Rate
growth
Value:
-4.23%
Peer Avg: 4.70%
#1029 of 1077
Bottom 4.5% in 100M-500M tier
1017
Net Charge-Off Rate
risk
Value:
1.25%
Peer Avg: 0.47%
#1017 of 1077
Bottom 5.7% in 100M-500M tier
1002
Members Per Employee (MPE)
engagement
Value:
215.232
Peer Avg: 332.881
#1002 of 1077
Bottom 7.1% in 100M-500M tier
982
Average Member Relationship (AMR)
engagement
Value:
$14,733
Peer Avg: $24,363
#982 of 1077
Bottom 8.9% in 100M-500M tier
966
Total Delinquency Rate (60+ days)
risk
Value:
1.73%
Peer Avg: 0.86%
#966 of 1077
Bottom 10.4% in 100M-500M tier
963
Total Deposits
balance_sheet
Value:
$99.36M
Peer Avg: $200.29M
#963 of 1077
Bottom 10.7% in 100M-500M tier
953
Return on Assets (ROA)
profitability
Value:
0.15%
Peer Avg: 0.79%
#953 of 1077
Bottom 11.6% in 100M-500M tier
936
Efficiency Ratio
profitability
Value:
88.48%
Peer Avg: 77.28%
#936 of 1077
Bottom 13.2% in 100M-500M tier
911
Total Assets
balance_sheet
Value:
$123.50M
Peer Avg: $231.30M
#911 of 1077
Bottom 15.5% in 100M-500M tier
897
First Mortgage Concentration (%)
balance_sheet
Value:
47.38%
Peer Avg: 30.43%
#897 of 1077
Bottom 16.8% in 100M-500M tier