Credit union · NCUA insured
Gulf Coast Federal Credit Union
A $44.1M credit union headquartered in Mobile, AL, with 4,792 members and 3 branches in Alabama. Best rates: CDs 3.82% and savings 0.15% APY.
Gulf Coast Federal Credit Union Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#24 of 28 in Mobile, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gulf Coast Federal Credit Union
- Headquarters
- 1001 Spring Hill Ave, Mobile, AL 36604-2713
- NCUA charter
- 7520
Branches
3 branches in Alabama
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Alabama
3 branches
- Main Office-1001 SpringhillMain office1001 Spring Hill Ave, Mobile, AL 36604Directions
- Branch-4313 Downtowner4313 Downtowner Loop S, Mobile, AL 36609Directions
- Theodore-5808 Hwy. 905808 Highway 90 Ste F, Theodore, AL 36582Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Undercapitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 5.93% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.74% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.01% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $44 | $59 | — |
- CapitalNet worth ratio5.93%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.74%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.01%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$44Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Gulf Coast Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.