GULF COAST Credit Union Profile

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GULF COAST

Charter #7520 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (251) 438-7464

Fax: (251) 438-2796

Founding Date: N/A

Website: http://www.gulfcoastfcu.org

Personnel & Operations

President: King, Pebbles

Manager: O'Brien, John

FT Employees: 19

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 3

Hours: MONDAY THROUGH THURSDAY 8:30AM TO 5:00PM 8:

Credit Union Profile Summary

GULF COAST is a FCU Credit Union. With a total of 5,482 members [1], this institution manages approximately $44,218,502 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 7.24% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -9.34% [1].

Financial Snapshot

Total Assets [1]
$44,218,502

Total economic resources.

Total Loans [1]
$18,704,342

Total value of outstanding loans.

Total Deposits [1]
$41,070,218

Total funds deposited by members.

Members [1]
5,482

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.24%

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]
-0.96%

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

Loan-to-Share Ratio [1]
45.54%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -5.26%

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

Loan Growth (4Q) [1]
↓ -9.34%

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

Member Growth (4Q) [1]
↓ -33.37%

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

Headquarters Location & Map

Headquarters Address

1001 SPRING HILL AVE

MOBILE, AL, 36604-2713
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by GULF COAST (Charter #7520).

Main Office

Main Office-1001 Springhill Main Office

Type: Corporate Office

1001 Spring Hill Ave

Mobile, AL 36604-2713

Phone: (251) 438-7464

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Mobile

Branch-4313 Downtowner

Type: Branch Office

4313 Downtowner Loop S

Mobile, AL 36609

Phone: (251) 342-7521

Services: Member Services, Drive-Thru

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Sandy

Computer Marketing Corp

Type: Corporate Office

8520 S Sandy Pkwy

Sandy, UT 84070-6422

Phone: (801) 365-5000

Services: None specified

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Theodore

Theodore-5808 Hwy. 90

Type: Branch Office

5808 Highway 90 Ste F

Theodore, AL 36582-1698

Phone: (251) 301-0278

Services: Member Services, ATM, Drive-Thru

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