| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.5% | +5.3% | +7.1 pts |
| Share growth (YoY) | +12.8% | +5.1% | +7.6 pts |
| Loan growth (YoY) | +12.3% | +5.7% | +6.7 pts |
| ROA | 0.91% | 0.80% | +0.1 pts |
| ROE | 9.2% | 7.4% | +1.8 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.36B | $1.22B | $970.3M | $134.8M | $6.2M | 0.91% | 3.64% | 0.44% | 74,541 |
| Q1 2026 | $1.33B | $1.19B | $920.1M | $132.0M | $2.8M | 0.85% | 3.63% | 0.53% | 74,184 |
| Q4 2025 | $1.25B | $1.12B | $876.7M | $129.2M | $11.3M | 0.90% | 3.66% | 0.78% | 73,515 |
| Q3 2025 | $1.24B | $1.07B | $862.3M | $128.2M | $10.3M | 1.11% | 3.69% | 0.59% | 72,992 |
| Q2 2025 | $1.21B | $1.08B | $863.7M | $124.5M | $6.6M | 1.10% | 3.69% | 0.65% | 72,771 |
| Q1 2025 | $1.22B | $1.11B | $858.7M | $121.3M | $2.9M | 0.95% | 3.57% | 0.61% | 72,411 |
| Q4 2024 | $1.19B | $1.06B | $853.8M | $118.4M | $7.8M | 0.66% | 3.17% | 0.63% | 73,547 |
| Q3 2024 | $1.20B | $1.06B | $836.4M | $115.9M | $5.4M | 0.60% | 3.03% |
| Ratio | Gulf Winds Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.80% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 7.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.38% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 83,916 |
| Q2 2024 | $1.18B | $1.05B | $797.7M | $113.6M | $3.0M | 0.51% | 3.02% | 0.46% | 83,008 |
Loan mix (Q2 2026): real estate $261.2M · commercial $30.6M · consumer $605.6M · securities $119.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 71.9% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Gulf Winds Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Gulf Winds Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Gulf Winds Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Gulf Winds Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Gulf Winds Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
13 branches in 6 counties across 2 states (+0 vs 2025). Biggest market: Escambia, FL, ranked 10th with 4.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Escambia, FL | 5 | $468.7M* | 4.34% | 10th |
| Leon, FL | 2 | $187.5M* | 1.80% | 19th |
| Escambia, AL | 2 | $187.5M* | 14.00% | 3rd |
| 3 more counties with Pro → | ||||
Florida: 97th with 0.09% · Alabama: 92nd with 0.16% · Pensacola-Ferry Pass-Brent metro: 8th, 4.40% · Tallahassee metro: 16th, 2.36% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 14 · 2023 14 · 2024 14 · 2025 13 · 2026 13
Ranked #2,492 of 4,653 mortgage lenders in 2025.
Approval rates, pricing, purchase vs. refinance, HELOCs, government lending, how much it sells vs. keeps, top states and the year-by-year trend are part of CharterBench Pro.
Home Mortgage Disclosure Act data (CFPB). Includes mortgage subsidiaries that the Philadelphia Fed’s HMDA Lender File ties to this institution. Small lenders below the HMDA reporting thresholds do not file. All mortgage lenders →