Gulf Winds

PENSACOLA, FL · 2 · Charter #68694 · www.gogulfwinds.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.3B
18th percentile
Members
73,515
22th percentile
Total loans
$876.7M
15th percentile
Total shares
$1.1B
23th percentile

Profitability

Return on assets
1.72%
88th percentile
Net interest margin
3.66%
80th percentile
Efficiency ratio
53.69%
41th percentile
Non-interest income ratio
24.84%
85th percentile

Capital & Risk

Net worth ratio
10.31%
39th percentile
Delinquency rate
0.78%
47th percentile
Net charge-off rate
0.92%
18th percentile
Loan-to-share
78.43%
26th percentile

Growth

Member growth YoY
-0.04%
24th percentile
Asset growth YoY
5.41%
48th percentile
Loan growth YoY
2.69%
34th percentile
Share growth YoY
5.17%
48th percentile

Operations

Members / branch
6,126
32th percentile
Assets / member
$17,036
40th percentile
Field of membership penetration
1.16%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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