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National Credit Union Service Organization

GULF COAST COMMUNITY FEDERAL CREDIT UNION

Jun, 30, 2021 — GULF COAST COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in GULFPORT, MS with 4 branch locations and about $123.56 million in total assets. Opened 86 years ago in 1935, GULF COAST COMMUNITY FEDERAL CREDIT UNION has about 12,243 members and employs 60 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:GULF COAST COMMUNITY FEDERAL CREDIT UNION
Address:
(Main Office)
12364 HIGHWAY 49
GULFPORT, MS 39503
Phone:(228) 539-7029
Fax:(228) 539-6322
Website:n/a
Branches:4 branch locations
Members:12,243
Credit Union Type:Federal Credit Union
Charter Number:242
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1935
Last Audited:Dec 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$123,563,629
CEO/Manager:Lisa Graham
Chairperson:Elmer Dickens

Call Report

  • Payday Alternative Loans (PAL Loans)
  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 19,166,475
TOTAL INVESTMENTS 26,311,167
Loans Held for Sale 79,035
 
 Real Estate Loans 25,383,551
 Unsecured Loans 3,018,196
 Other Loans 39,164,622
 TOTAL LOANS 67,566,369
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,014,706
 Land And Building 3,958,115
 Other Fixed Assets 2,044,460
 NCUSIF Deposit 968,013
 All Other Assets 4,484,701
  TOTAL ASSETS 123,563,629
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 782,000
 Accounts Payable & Other Liabilities 1,904,454
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 37,624,482
 Regular shares 42,149,717
 All Other Shares & Deposits 20,914,581
  TOTAL SHARES & DEPOSITS 100,688,780
  TOTAL LIABILITIES 103,375,234
 Regular Reserve 2,106,375
 Other Reserves 52,651
 Undivided Earnings 18,029,369
  TOTAL EQUITY 20,188,395
  TOTAL LIABILITIES, SHARES, & EQUITY 123,563,629
INCOME & EXPENSE  
 Loan Income 2,620,511
 Investment Income 109,749
 Other Income 2,066,568
 Total Employee Compensation & Benefits 1,828,810
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,138,809
 Non-operating Income & (Expense) 8,854
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 20,000
 Cost of Funds 350,948
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 571,025
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