SOUTHERN COASTAL
Federal • BILOXI, Mississippi • Est. 1973
Quick Facts
- Charter Number
- #24885
- Type
- Federal
- Established
- 1973
- Headquarters
- BILOXI, Mississippi 39533
- Address
- PO BOX 503
- Branches
- 1
- ATMs
- 2
- Members
- 1,605
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,605 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SOUTHERN COASTAL |
|---|---|
| Total Assets | $13.8M |
| Members | 1,605 |
| Loans Outstanding | $9.6M |
| Shares & Deposits | $11.2M |
| Net Worth | $2.5M |
| Net Worth Ratio | 18.09% |
| Loan-to-Share Ratio | 85.3% |
| Delinquency Rate | 0.48% |
| Net Income | +$120,072 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 2 ATMs
Main Office
Main Office677 Dr Martin Luther King Jr Blvd
BILOXI, MS 39530-3838
Who Can Join SOUTHERN COASTAL?
Membership Type: Occupational
Membership eligibility for SOUTHERN COASTAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact SOUTHERN COASTAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Mississippi RankingsFrequently Asked Questions
Yes. SOUTHERN COASTAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SOUTHERN COASTAL has 1,605 members and a potential membership field of 2,500 people.
SOUTHERN COASTAL's net worth ratio is 18.09% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 18.1%, SOUTHERN COASTAL meets this threshold.
SOUTHERN COASTAL operates 1 branch location and has access to 2 ATMs. The main office is located at 677 Dr Martin Luther King Jr Blvd, BILOXI, MS 39530-3838.
SOUTHERN COASTAL was established in 1973. It is a federal credit union chartered under charter number 24885. The institution has been serving members for 53 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SOUTHERN COASTAL. All financial data is for informational purposes only.