GULF TRUST Credit Union Profile

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GULF TRUST

Charter #24908 | NCUA Region 2 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (228) 762-0659

Fax: (228) 762-0377

Founding Date: N/A

Website: http://www.gulftrustcu.org

Personnel & Operations

President: Lowery, David

Manager: Spiriti, Jennifer

FT Employees: 10

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 01

Branches: 1

Hours: DRIVE THRU 7:30-5:00; LOBBY 9:00-5:00

Credit Union Profile Summary

GULF TRUST is a FCU Credit Union. With a total of 2,766 members [1], this institution manages approximately $26,317,096 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 20.29% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -2.92% [1].

Financial Snapshot

Total Assets [1]
$26,317,096

Total economic resources.

Total Loans [1]
$17,135,155

Total value of outstanding loans.

Total Deposits [1]
$20,886,759

Total funds deposited by members.

Members [1]
2,766

Number of active members.

Performance Ratios

Net Worth Ratio [1]
20.29%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.74%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
82.04%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -2.89%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -2.92%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -6.62%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2533 DENNY AVE

PASCAGOULA, MS, 39567
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by GULF TRUST (Charter #24908).

Main Office

Gulf Trust Federal Credit Union Main Office

Type: Corporate Office

2533 Denny Ave

Pascagoula, MS 39567

Phone: (228) 762-0659

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Ocean Springs

Gulf Trust Federal Credit Union

Type: Branch Office

23 Marks Rd

Ocean Springs, MS 39564-4351

Phone: (228) 875-6190

Services: Member Services

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