PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gulf Winds

Pensacola, FL · Charter 68694

NCUA · 13 branches

Q2 2026

$1.4BAssets
$970.3MLoans
$1.2BShares
$134.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.91%, down 19 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.44% of loans (-22 bps YoY).
  • Capital: net worth / assets of 9.90%, down 38 bps from a year ago.
  • Funding: loans stand at 79.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-5 bps YoY

Efficiency Ratio (YTD, annualized)

68.46%+305 bps YoY

Net Worth / Assets

9.90%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.11%0.90%0.85%0.91%-19 bps
Return on Equity10.67%10.73%8.75%8.53%9.18%-149 bps
Net Interest Margin3.69%3.69%3.66%3.63%3.64%-5 bps
Efficiency Ratio65.41%64.91%67.53%69.31%68.46%+305 bps
Growth
Asset Growth (YoY)2.67%2.75%5.41%8.73%12.46%+978 bps
Loan Growth (YoY)8.27%3.09%2.69%7.16%12.34%+406 bps
Share Growth (YoY)2.51%0.85%5.17%6.86%12.78%+1,027 bps
Asset Quality
Delinquent Loans / Loans0.65%0.59%0.78%0.53%0.44%-22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.28%10.37%10.31%9.94%9.90%-38 bps
Net Worth / Assets10.28%10.37%10.31%9.94%9.90%-38 bps
Liquidity & Funding
Loans / Shares79.94%80.51%78.43%77.27%79.63%-31 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps