# GULF COAST COMMUNITY
GULFPORT, MS · NCUA charter 242 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gulf-coast-community-242

Who the members are: federal charter, community charter, organized 1935, low-income designated. 12,102 members of 431,329 potential (2.8% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $126.3M |
| Members | 12,102 (0.9% YoY) |
| Full-time staff | 57 |
| Net worth | $22.1M |
| Net worth ratio | 17.5% (p92 of band) |
| ROA (annualized) | 0.50% (p37 of band) |
| Total delinquency | 1.08% (p76 of band) |
| Net charge-offs (annualized) | 1.68% (p96 of band) |
| Loans / shares | 79% (p70 of band) |
| Cash / assets | 13.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.51% (p88 of band) |
| Operating expense / assets | 6.79% (p99 of band) |
| Vehicles % of loans | 26% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.12% (p77 of band) |
| Vehicle NCO | 5.06% (p99 of band) |
| Repossessed % of vehicle book | 0.34% (p92 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 27% |
| Average share balance | $4,072 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $21,562 |
| Loans granted, annualized | $26.5M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, charge-offs p90 |  |
| 2016-06 | 4 | delinquency 2x band, repo signal |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | delinquency rising |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 6 | leaning on borrowings |  |
| 2017-12 | 6 | net worth falling | delinquency rising |
| 2018-03 | 6 |  |  |
| 2018-06 | 5 |  | net worth falling |
| 2018-09 | 5 |  |  |
| 2018-12 | 6 | members leaving |  |
| 2019-03 | 6 |  |  |
| 2019-06 | 5 |  | leaning on borrowings |
| 2019-09 | 6 | assets shrinking |  |
| 2019-12 | 5 |  | assets shrinking |
| 2020-03 | 5 | assets shrinking | members leaving |
| 2020-06 | 6 | net worth falling, margin squeeze | assets shrinking |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 6 | net worth falling |  |
| 2021-06 | 4 |  | delinquency 2x band, net worth falling |
| 2021-09 | 3 |  | repo signal |
| 2021-12 | 4 | delinquency 2x band, repo signal | margin squeeze |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | delinquency rising |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | net worth falling, members leaving, leaning on borrowings | delinquency 2x band, delinquency rising |
| 2023-03 | 3 |  | repo signal, net worth falling, leaning on borrowings |
| 2023-06 | 2 |  | members leaving |
| 2023-09 | 4 | repo signal, leaning on borrowings |  |
| 2023-12 | 4 | net worth falling | repo signal |
| 2024-03 | 7 | delinquency 2x band, delinquency rising, repo signal |  |
| 2024-06 | 6 |  | net worth falling |
| 2024-09 | 5 |  | repo signal |
| 2024-12 | 7 | losing money, repo signal, assets shrinking | leaning on borrowings |
| 2025-03 | 5 |  | delinquency rising, losing money |
| 2025-06 | 5 | net worth falling | delinquency 2x band |
| 2025-09 | 5 | delinquency 2x band | net worth falling |
| 2025-12 | 4 |  | assets shrinking |
| 2026-03 | 2 |  | repo signal, delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-03-07 [Two developments go before Biloxi City Council - WLOX](https://news.google.com/rss/articles/CBMihgFBVV95cUxNWUlsV0JPdmtkVUZmNi1MeDYtdHR4eE1GLTF2a3dnaXdBa2Z4YnZka2N4X2h0OE9HNXdwNWZRMXlGbUJkLWlrbmllU3FLWXMwRDJJYnR2cUlVWjZxc1lCV1RGWGZNQTdTTElMYUIyenNfRzM0M0RpZmlsQVBfb1dQNHFUM1Vvd9IBmgFBVV95cUxNa3N2RVBiU3NQM2NQOFJqOW5QQ0dCQUdsNVgtUWpyZ1ZiZWFJbWwzSTJ6Qkx4R01qSGZCa2RtLTlzS2tKTmxrdzQwcjVTdWxKOGJSTW0yYkEtazJOVjFTczhwWlJhQi03cWlzaHdNNzc3eFBHc3E2X1lhSmNUd1Y4Z3VFbU95eHA4MnkyS05UbTNHbjJjLTBORHp3?oc=5) · WLOX
- 2016-08-26 [James L. "Sandy" Rogers Obituary Aug 26, 2016 - Riemann Family Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBiQnh0a1JiSVZ6UEw1a1FxdGxhX2J2aVdiWm42R1lCMTd1NTE3ZDJhV0JaclI4N1gtN3FfUUhXVjJSZzFab05YT251eHJTNV9nMkVvZE1SQUg0LWlRVm1HWldkZw?oc=5) · Riemann Family Funeral Homes
- 2025-04-17 [Columbia Southern, Mississippi Gulf Coast Community College launch partnership to expand online degree access - Gulf Coast Media](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOMGdmSXhrdWRKc3djdkd6blEyeXFSaEFac194YXBxaHdNMmItX0ZEbmJCQU80YlhtOGJDQko1RVFIajJXQmt1dFJjX08xbjJUNVdiOWIwbDQzNzdPVVl0VGtXNmZpZnVVcEdEY1ByTVo1SVJfeW45aDFJRVhianBCLU9KS1Q5LUxaOFRXS2NOM0Z6ME43NnRiNXZpZ2ZrWmlORG5JNjJhcExYbFNSNnVBeEk4TUNiMUJoNnNiQUc1QzQ2M3FGZk5pTWVJeXZYWXV6VVE?oc=5) · Gulf Coast Media
- 2026-01-12 [Roger W. Stuckey Obituary (2026) - Gulfport, MS - Riemann Family Funeral Homes - Gulfport - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQc0g3ZGluOWNRck9NVlRqeVhvaGpzRVJtMnJIYjdwQ2pETVZZWHRsWUJfSWthYm9uSHNGdDdmV01OUjhmbjRZbWh2TnFjak1SLU5oZVpFbUpfcDJFc0NMX0QzZnJmaE1EM092akpfZ01PSzhqNWlnNVZ2ckh0X3IydU1R?oc=5) · legacy.com
- 2023-05-22 [Diana Favre Obituary Jan 5, 2019 - Riemann Family Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5fSU1HTUFFTWdCcHlSMmNlUzRwcWlCbWIxcFZ2ZTYzeHF1N0lTLXZoU1dqN1kwRUJuSmRXa0QtYmsyVlBwaGk5NTdITnM3ZW5FOGU0LS1yVHhWZ1RCTTcyQ3lB?oc=5) · Riemann Family Funeral Homes
- 2025-07-02 [Bay St. Louis Man Arrested for Credit Card Fraud and Series of Thefts - Darkhorse Press](https://news.google.com/rss/articles/CBMitgFBVV95cUxORmZSa3phc3BHekxXWU5tMngwQ1RzTDBZaUtxQmVQUTBrNDVVVi04X2tDc05iWTF4bWw1bENCYjc5bm85NFdFTUNweVVKS1VBUGFzaFJpeEtzNUloV2tkd05BQnJ0ZWxVQTIxV3oxMjl1UVJnMF94WUo5R2hsbTVya1BDai1oQ1VnZ0Vwa3RjTWJNMHpvRHJrT3lDd25HcTFKQnhSZ0JjcV9xUVZrdC05MG5fWl9HUQ?oc=5) · Darkhorse Press
- 2004-03-15 [Veterans History Project - WLOX](https://news.google.com/rss/articles/CBMibEFVX3lxTE5vX2s3QVVKYmhYMm9LbnRvV1B6SWFTanY4VFNQaFpFbmw2OVZUZWp2a1MyRGk5b1g4aURnbjZ2S0tCdHFwT2RlamQxa3pyR2dZWV93dHNaNk5maTh2OFdhUmFqN2w3NWtOWFItdA?oc=5) · WLOX
- 2025-09-01 [Much-loved Ocean Springs teacher killed in early Wednesday wreck - Darkhorse Press](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNck9sSUdpTkRxS2pqZFVqeVMwSE9YWWFDOVB0NldNeXZSbDJta1RRX19CcWV4bDJRWjNMbW9XQ2pUandHVUo1XzJZSURKc09Wd1psYVd4dzBObVhSUDVtVFR0RWZ5TFdrSExuSjZnMmt2ZFVQNlUwRmdBSjNWZGFNb0pvenJTWmkzQl9DX0N1VzNIaGhLUU4zbXpJb1V3RnNzNVZ4cElaVmkzZw?oc=5) · Darkhorse Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=242 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/50.json (key "242", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=242
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide