Gulf Winds Credit Union
Total assets
$1.33B
▲ +8.7% YoY
Shares & deposits
$1.19B
▲ +6.9% YoY
Loans
$920.1M
▲ +7.2% YoY
Members
74,184
▲ +2.4% YoY
ROA (annualized)
0.85%
peers 0.71%
ROE (annualized)
8.53%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +5.1% | +3.6 pts |
| Share growth (YoY) | +6.9% | +4.9% | +2.0 pts |
| Loan growth (YoY) | +7.2% | +5.4% | +1.7 pts |
| ROA | 0.85% | 0.71% | +0.1 pts |
| ROE | 8.5% | 6.3% | +2.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 220 E Nine Mile Rd, Pensacola, FL, 32534
- NCUA charter #
- 68694
- RSSD ID
- 613697
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 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 (Q1 2026): real estate $263.4M · commercial $8.4M · consumer $576.3M · securities $129.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Gulf Winds Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.71% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 6.3% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.32% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 73.0% | 37th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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