Gulf Winds
Pensacola, FL · Charter 68694 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
$1.4BAssets
$970.3MLoans
$1.2BShares
$134.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of credit unions $1B-$10B in assets (rank 104 of 435).
- Widest gap: equity / assets trails 72% of credit unions $1B-$10B in assets (rank 313 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.91%
Rank 173 of 435
Net Interest Margin
3.64%
Rank 141 of 435
Efficiency Ratio
68.46%
Rank 170 of 435
Equity / Assets
9.90%
Rank 313 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.55% | 0.81% | 1.14% | Beats 60% | 173 / 435 | |
| Return on Equity | 9.18% | 5.12% | 7.41% | 9.70% | Beats 70% | 131 / 435 | |
| Net Interest Margin | 3.64% | 3.01% | 3.39% | 3.75% | Beats 68% | 141 / 435 | |
| Efficiency Ratio | 68.46% | 65.25% | 71.39% | 77.86% | Beats 61% | 170 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.45% | 0.69% | 1.05% | Beats 76% | 104 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.90% | 9.81% | 10.84% | 12.63% | Beats 28% | 313 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.90% | 9.81% | 10.84% | 12.63% | Beats 28% | 313 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 79.63% | 78.33% | 88.38% | 95.61% | 28th pctl | 313 / 435 | |
| Loans / Assets | 71.20% | 67.69% | 74.58% | 80.80% | 37th pctl | 275 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |