Southern Coastal
Southern Coastal is a credit union based in Biloxi, Mississippi, established in 1973, with $14 million in total assets serving 1,607 members. By Trust Grade it ranks 29th of 55 credit unions we track in Mississippi. Its net worth ratio of 18.4% is stronger than 72% of similarly sized credit unions, versus a Mississippi median of 16.4%. It was profitable over the most recent period, with a 0.57% return on assets. No consumer complaints against Southern Coastal appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Southern Coastal compares to Mississippi peers
How we graded Southern Coastal
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (18.4% capital ratio)
- Profitable (ROA 0.57%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Southern Coastal over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Southern Coastal insured?
Yes. Southern Coastal is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Southern Coastal: frequently asked questions
Is Southern Coastal a good credit union?
Southern Coastal earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (18.4% capital ratio); Profitable (ROA 0.57%).
Is Southern Coastal NCUA-insured?
Yes. Southern Coastal is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Southern Coastal?
Southern Coastal holds $14 million in total assets, ranking 29th of 55 credit unions we track in Mississippi. It serves 1,607 members.
Does Southern Coastal have CFPB complaints?
No CFPB complaints against Southern Coastal appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
