# GOLD COAST
PALM SPRINGS, FL · NCUA charter 967 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gold-coast-967

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated. 19,617 members of 552,991 potential (3.5% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *participation buyer*. 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 | $267.8M |
| Members | 19,617 (-2.4% YoY) |
| Full-time staff | 61 |
| Net worth | $31.1M |
| Net worth ratio | 11.6% (p56 of band) |
| ROA (annualized) | 0.43% (p31 of band) |
| Total delinquency | 0.52% (p43 of band) |
| Net charge-offs (annualized) | 0.12% (p17 of band) |
| Loans / shares | 49% (p7 of band) |
| Cash / assets | 19.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.46% (p43 of band) |
| Operating expense / assets | 3.90% (p59 of band) |
| Vehicles % of loans | 46% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 33% (p35 of band) |
| Vehicle delinquency | 0.29% (p25 of band) |
| Vehicle NCO | 0.01% (p9 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 1% |
| Average share balance | $6,957 |
| Participations bought / yr | $22.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $28.7M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,508 |
| Loans granted, annualized | $54.0M |

## Participation posture (from the same filings)

Bought $22.5M and sold $0 in the latest annualized quarter; $28.7M outstanding purchased (92.6% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 0.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 1 |  | delinquency rising, net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 4 | loan book shrinking |  |
| 2021-03 | 4 | thin capital | loan book shrinking |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling, margin squeeze |
| 2021-12 | 1 |  | auto monoline, delinquency rising |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | auto monoline | thin capital |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 0 |  | auto monoline |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | assets shrinking, members leaving |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling, delinquency rising | members leaving |

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

- 2026-08-28 [BoardroomPR Wins Bernays Award for Best Social Media Campaign from the Gold Coast Public Relations Council - USA Today](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPUXRiSDVVbEhGa1hVbHFPZlN3NEE2SjR2bmNQN1BhdFpOUTNjYTh5bDJFdmU0R2d2U2JlVUVaVG03UEx6MTdNOVE2V0dKWnZWd0dsTGx6clFCQW8zU0NMYzJyM3htd2NndzE5Q2VDTmRVVENBMGxBTGN6OVU5Y1RrMDJSRGRlTnREZjRlay1Hd0dEREN2cEdvTUo0S1VnXzV2UXRnTkM3UG5fNWZrQUlUazFydjBqQzZGRDhxVGtScmwtR2NXUTc1ay1MSFVIbTRBTWRnWGlVbUZDOVBHdk9wNHNfcjlMUzBzd3FidnphYw?oc=5) · USA Today
- 2026-01-12 [2025 Credit Union-Bank Acquisition Deals Decline From Record High in 2024 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZXk2amFNTTN6Tml0YXFNTVUzdTA4OHdYYkpQS2F1VjJ0UE8wYzVCRHRfOG9tOExuN29wcWRYWHJwcjN5Z1dUWDlNVEJFYkp3WlJ4U2dUNHVYbC1yUXloYVR0WjQwVG1kQjhyRUh3MzFxWFdSaXJxSTJZbEdQVnVhMkJ5YkNNOW4zZWluTWstRUF6VnNvZnRVeVVjQVRuVXcxRjZlSTd0ZG5yYzNTTHc?oc=5) · CUTimes
- 2026-01-08 [Best Certificates of Deposit in Florida for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9hVjJzMXFkWHFOOW1IMTF1SHlXWHF6b05zWnNnUnlqM2djOUdFLXRjaVNEbHZ3dkQtQ202MjNOYVctOW84NW9QcjlEeEI1dW9wSWpLR3ZQbDN0bmNUZlRlQzNteE4wQQ?oc=5) · moneyrates.com
- 2026-03-24 [Spotlight On: Israel Velasco, Florida Region Executive, Popular Bank - Capital Analytics Associates](https://news.google.com/rss/articles/CBMiqAFBVV95cUxORENvbmItZmMwdmVaYmpPdndPVjhTMGtGLUE1Q1M2dTIybWdCQU81OHFLY2xuV0l6RElqWlJRVW1aOHZKak82bjdvSGRkQVhHa28tcFU2blJnWXF6anJlaDlzQ1gzOGRFVlltM0pRUFd0WUQ2bThMcHN0V0hvVnJSWTN5c0lNaDBLRGNyZDdONEtzMHB3dzZKNE0yY3BIVng1azA5QlJpYWs?oc=5) · Capital Analytics Associates
- 2025-07-07 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review - Lexology](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUEw3a2s2TVRrM1h1UFloeVZvRTFwSVJHdEpQZTFjYXh6dzRHR3ozcHY1YlB3ekNTcUpCSDQzZ0pfSXJJUzlmWjA3aktRbnJXVHR5UXNRbEtCWm94NS1IWjhGQk9qb2NYVWdrN1ZLejNwVXNUaUVwNExQY1ZheGlHVkQ5bXd2X0dNTU1V?oc=5) · Lexology
- 2025-04-08 [Best Banks and Credit Unions in Florida 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxNRXFEVnMyLUZjc2V1alEyX3gyOURGSlVVRnQtZmlaeEVJdTBCak9saDVkVllZNVJGLWZ1R3hqcEJlc3M2MDV6V1NKVjN4MDgzTjlvOS1PQ3kxMmxBd1BEdUpIYkpxbUtKTng2QXhYQllUQ05BSWM4dVFUREdFQnM4WEU4elFtYkZBTVZHdlB3?oc=5) · Newsweek Rankings
- 2024-06-24 [Gold Coast Book Fair launches with big names, music, food, more - Newsday](https://news.google.com/rss/articles/CBMifkFVX3lxTFBsc3dfZDEwZW1QTml2M0hJT25VSDJFT0xBZXFZMkhNLW1IX1UzNHJTQmRTanV0WktXN2k1cU85UDR2QWI5MG85QzFDSHhKaXRzUDRhSk9JWkw2ekNhcFVyVU96U2JJTjlESG5TTlVSNGp6YUJuMkxFYVNTZ2xCUQ?oc=5) · Newsday
- 2025-12-01 [What is a second-chance checking account? Here’s everything you need to know - Bankrate](https://news.google.com/rss/articles/CBMic0FVX3lxTFBvUHRlZFA1anliRjdDYVFseWRiTU00b3VnOVV1ajJob1Awd0lJTjdyRFFCbWZFOUwxai01WUk2YXVWTnBldnJPYWtKQnY4ZURoMklBNlFVMTlHeDZTemoybUpKRGxlb1lnZFBNTmdJN2p0ZmM?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=967 (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/7.json (key "967", 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=967
- 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