Gulf Trust
Pascagoula, MS · Charter 24908 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$25.5MAssets
$17.6MLoans
$19.9MShares
$5.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets (rank 159 of 1682).
- Widest gap: efficiency ratio trails 59% of credit unions under $1B in assets (rank 987 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.07%
Rank 516 of 1,683
Net Interest Margin
4.39%
Rank 382 of 1,683
Efficiency Ratio
81.12%
Rank 987 of 1,682
Equity / Assets
21.75%
Rank 170 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.35% | 0.74% | 1.18% | Beats 69% | 516 / 1,683 | |
| Return on Equity | 4.93% | 2.67% | 5.89% | 8.74% | Beats 43% | 964 / 1,681 | |
| Net Interest Margin | 4.39% | 3.31% | 3.82% | 4.32% | Beats 77% | 382 / 1,683 | |
| Efficiency Ratio | 81.12% | 68.91% | 78.20% | 86.93% | Beats 41% | 987 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 91% | 159 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.75% | 10.44% | 12.89% | 16.53% | Beats 90% | 170 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.75% | 10.44% | 12.89% | 16.53% | Beats 90% | 170 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 88.59% | 52.61% | 69.38% | 83.50% | 84th pctl | 268 / 1,683 | |
| Loans / Assets | 68.99% | 44.71% | 59.18% | 70.72% | 71st pctl | 482 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |