# GULF COAST
MOBILE, AL · NCUA charter 7520 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gulf-coast-7520

Who the members are: federal charter, community charter, organized 1951, low-income designated, minority depository institution. 4,792 members of 412,339 potential (1.2% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 125.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $44.1M |
| Members | 4,792 (-13.0% YoY) |
| Full-time staff | 17 |
| Net worth | $2.7M |
| Net worth ratio | 6.1% (p1 of band) |
| ROA (annualized) | -1.32% (p9 of band) |
| Total delinquency | 2.75% (p85 of band) |
| Net charge-offs (annualized) | 0.23% (p66 of band) |
| Loans / shares | 45% (p31 of band) |
| Cash / assets | 37.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.47% (p33 of band) |
| Operating expense / assets | 6.65% (p93 of band) |
| Vehicles % of loans | 38% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 13% |
| Third-party paper % of net worth | 75% (p96 of band) |
| Vehicle delinquency | 0.93% (p63 of band) |
| Vehicle NCO | 0.71% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 43% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 8% |
| Average share balance | $4,582 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.3M |
| Loans outstanding per 100 members | 125% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $3,085 |
| Loans granted, annualized | $3.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.3M outstanding purchased (84.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 2 | net worth falling | delinquency rising |
| 2017-09 | 1 | assets shrinking | delinquency 2x band, net worth falling |
| 2017-12 | 1 | losing money | assets shrinking |
| 2018-03 | 1 | net worth falling | losing money |
| 2018-06 | 3 | losing money, delinquency 2x band |  |
| 2018-09 | 1 |  | net worth falling, delinquency 2x band |
| 2018-12 | 0 |  | losing money |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | net worth falling |  |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 1 | margin squeeze |  |
| 2020-06 | 4 | net worth falling, losing money, loan book shrinking |  |
| 2020-09 | 3 |  | losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | losing money |  |
| 2021-06 | 3 |  | loan book shrinking |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | thin capital, 3rd-party paper>100% NW |  |
| 2022-06 | 4 |  | margin squeeze |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 7 | delinquency 2x band, delinquency rising, charge-offs p90, assets shrinking |  |
| 2023-06 | 9 | net worth falling, members leaving, loan book shrinking | charge-offs p90 |
| 2023-09 | 8 |  | assets shrinking |
| 2023-12 | 10 | expense trap, charge-offs p90, assets shrinking | net worth falling |
| 2024-03 | 8 | margin squeeze | delinquency rising, members leaving, expense trap |
| 2024-06 | 9 | net worth falling, delinquency rising | margin squeeze |
| 2024-09 | 7 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 6 | members leaving | loan book shrinking, net worth falling |
| 2025-03 | 7 | expense trap, delinquency 2x band, delinquency rising | 3rd-party paper>100% NW, charge-offs p90 |
| 2025-06 | 7 | net worth falling, 3rd-party paper>100% NW | delinquency 2x band, delinquency rising |
| 2025-09 | 7 | delinquency 2x band, delinquency rising | members leaving, 3rd-party paper>100% NW |
| 2025-12 | 9 | capital below 7%, members leaving | assets shrinking |
| 2026-03 | 8 |  | delinquency rising |

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

- 2026-07-22 [PHOTOS: Tropical Storm Bertha churns off Alabama Gulf Coast; scenes from Fort Morgan to Orange Beach - Gulf Coast Media](https://news.google.com/rss/articles/CBMizwFBVV95cUxNcGFjdnlYTkk2bzVkRWd0bU8zdVF0Q2VkUTNOSG1WUGVzYkZvU3ZyTWNSR2R0TWk4bThlSUh6YzQyc3ZBd1E0MkJhNlZUZXVnY1Q3Rl9qS0lvTWZnXzBJUS1zLXNrOE9CbjIzRWVwbXl5R2c4RVRMTmpvQlhUOVNTZWV2bHZIblRQMGN0V1E4VURkY0tma0dVNTQ3SEZVQWswemFZaGFfY2RkNUFOSHZ4V19jSG9FaUV1RExqMXM5MWJuNHN4a2dEbjJUWXRhUlU?oc=5) · Gulf Coast Media
- 2025-12-03 [40 companies named as Best Companies to Work for in Alabama - Business Alabama Magazine](https://news.google.com/rss/articles/CBMikgFBVV95cUxOdzRHR0k2NnA5NGpvY3BOYTBLVG80YU9RWTBUNzVjYV91M1FJRUgtdVVNUm5HZ0RxVnlHQjNSYXVRZVpfRWJnQUVCQzNWVWV1cW9taEZWZkQtRXFRSnNqYzVrNjdWWUpXRWV3Qms3YW9OeXdCNWMwTUlGTkRDa1l1RmhNZjZCZ01vWVd4OU9hVTFLZw?oc=5) · Business Alabama Magazine
- 2025-11-07 [Toys for Tots Drop Off Locations 2025 - mynbc15.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOWHBCZEVsbUFySG94aVhEX181TmNDbWNrUkhpa0djcHhzQXhTVDd1a2lwdjRfSjdRVGhVNU5mVzB3UXpCWkRGRHB3YnBFYlYxLVNmeTFid3dkeFRJUXBHWk05QkZhbkJPNkhjRHhWWTlsdnVsVHMxVTBna2ZhemtXZVZ6ZE9hNUlN?oc=5) · mynbc15.com
- 2026-06-16 [Alabama Gulf Coast Zoo welcomes sibling zebus to Gulf Shores - Gulf Coast Media](https://news.google.com/rss/articles/CBMipAFBVV95cUxNMzY5Vnl6YmNUWXAydmpGWVc4Z0ZQQ0FJLU1BQ0MzTGo4a1hWS1FvY1pudXp2QURTVmg4SXlnR3JpdGYxeERHYW80U2lCdXpsZkZXRGhaQ3NkVzJ5VzFiRm0xdldrME1mX1hRR09aR2p5akQ2VGE1bVEwRmhJbHVsV0RaUUlwSlY4ZXVKVkZjNFUzYVpVeEQ5a2NqdmZXeUhZSkxjMg?oc=5) · Gulf Coast Media
- 2025-03-21 [Membership expansion happening at Navigator Credit Union - fox10tv.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPcGJaR05Eejg4dW5hU0xpZVRwUjg4UFlFdktxMFBIU2JHc29aQU9wQTMybFM3RFhmaTFTTUFkTnJQX1NmWjhwYTQxSEEtN3BLZl8yLXhrSlBHTGJOZUZ3NnpFSVRlYTVNV0pXWW9QcUNoci0ybUVpSmhnTGl0Tk1OM09TYVplYjVOMDg0amNmLXdwVEHSAacBQVVfeXFMUE5LNl8xcGsyVzV5Yi1YVzVfRHFTYXc0Y1l0WmdMbEdGR2pWbnNKVkZUZlIycExTLXEtTkNONkZhakpGRmFpZUZjcDh3X2dqQXlEVkgzLUhObVBfamFFMmloal9WQ3lRNXBSbDAtNG9ILVFQaE8wYmFXY3dkQ1Y3eVRYWW9WQ2NuS21Na093bzUycHFkME9NOGg1Wkx1SVQ4a1hTbHBDaWs?oc=5) · fox10tv.com
- 2025-10-27 [PenAir Credit Union, new to Panama City Beach, expands with new branch in Alabama - Panama City News Herald](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQV0RyS08wZ1FTUURjQjUweXViR2hIdV9VbFVPOW5pdUszd3ctR2d6ME01SGRNb0l6YUpObXVjaDlMMU82Qk9XckNKZjVhZ0lIQkV5S2NVSjgtSFA5OEJLczhvbUlLUWtPWGlkZ1p0ZGFxMW5Eay10dHRRTExVek9TeGQybGxJZjFwMUNPMmNaSHlWZHpObUczWHhMeVlXSXBCaEV5TUJUaWtYMHJSU1NnclVQNlhYOG1uc3VV?oc=5) · Panama City News Herald
- 2024-01-02 [All In Credit Union Acquiring Five Branches, Books of Business From Bank - cutoday.info](https://news.google.com/rss/articles/CBMirAFBVV95cUxPcWhMQTduUHVlWF9PVjBQX1YtQXlDSjVRYjdpeGRVbzVJZEtlN29sSTZfdmNzSHNMemFIWGJIQnZ6cmRKMFcydFVRX1VqM0pXamdhMzExWE5Gc01MZWRSZU4wSTBsdVNsa3o5b0ZQWWpYaU1wRjc1MnI2QUNBYnBQRnYySVRGcE10OTJFMV8zcnNmNkZrMGRqRHktY0RlM1ZMV2xmNWtnUUp6dXI2?oc=5) · cutoday.info
- 2022-11-17 [Gulf Coast Credit Union donates $1,500 to Corpus Christi charity group - kiiitv.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPQzBCa1A3VjA2R1FOQk9XSlpjaG9ZeUp3VDhycHFWNUpLS2pBdllQU1dQWFhNSC16TW5zTElYbXp2Qm9NTGVDSFNZQklJQnNKNmFTUFdGc1d6QUdZbWFYMl9vRVlZdlA3MlFPVks2LW9YdFU2b0p1dTl4NFljdGJHN3pEWXNqcV9MSlZVUXd3QjZ4bk5SVUlHeC1WbU9SVHp6NElFT3FKajJlcG1Ocktmem9qa1I?oc=5) · kiiitv.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7520 (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/32.json (key "7520", 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=7520
- 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