Gulf

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$340.4M

27^th percentile

Members

24,442

40^th percentile

Total loans

$190.5M

16^th percentile

Total shares

$306.0M

31^th percentile

Profitability

Return on assets

0.70%

33^th percentile

Net interest margin

3.17%

31^th percentile

Efficiency ratio

73.89%

5^th percentile

Non-interest income ratio

26.39%

85^th percentile

Capital & Risk

Net worth ratio

9.95%

34^th percentile

Delinquency rate

0.43%

77^th percentile

Net charge-off rate

0.98%

12^th percentile

Loan-to-share

62.26%

16^th percentile

Growth

Member growth YoY

1.21%

59^th percentile

Asset growth YoY

8.84%

80^th percentile

Loan growth YoY

9.17%

77^th percentile

Share growth YoY

7.91%

78^th percentile

Operations

Members / branch

4,888

55^th percentile

Assets / member

$13,927

29^th percentile

Field of membership penetration

6.03%

60^th percentile

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