Biloxi, Mississippi · Peer group 3
Southern Coastal Credit Union
Southern Coastal Credit Union holds $13.6M in assets across 1,607 members as of Q1 2026 — about $8K of assets per member, on a charter dating to 1973. Charter number 24885, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $13.6M |
|---|---|
| Total loans | $9.6M |
| Total shares (deposits) | $11.0M |
| Net worth | $2.5M |
| Members | 1,607 |
| Assets per member | $8K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.4% | |
|---|---|---|
| Loans | 9.4% | higher than 91% of its peer group |
| Deposits | -1.5% | around the 32nd percentile of its peer group |
| Members | 3.0% | higher than 90% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 87.5% | higher than 92% of its peer group |
|---|---|---|
| Net worth ratio | 18.4% | around the 79th percentile of its peer group |
| Return on assets | 0.57% | around the 46th percentile of its peer group |
| Delinquency ratio | 0.47% | around the 45th percentile of its peer group |
| Cash / assets | 12.5% | around the 57th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Southern Coastal Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Mississippi — the comparison set a peer ratio is measured against.
- N. Mississippi Health Services Emp. Credit Union
Tupelo, MS
$13.5M · 2,595 members
- Pine Belt Credit Union
Hattiesburg, MS
$14.1M · 1,581 members
- Mississippi Highway Safty Pat Credit Union
Jackson, MS
$13.1M · 1,391 members
- Vicksburg Railroad Credit Union
Vicksburg, MS
$12.1M · 1,040 members
- Ampot Credit Union
HAMILTON, MS
$15.3M · 2,173 members
- Biloxi Teachers Credit Union
Biloxi, MS
$11.8M · 1,047 members
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