Gulf Trust

PASCAGOULA, MS · 1 · Charter #24908 · www.gulftrustcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$25.6M
71th percentile
Members
2,739
80th percentile
Total loans
$17.5M
84th percentile
Total shares
$20.2M
69th percentile

Profitability

Return on assets
1.29%
71th percentile
Net interest margin
4.45%
67th percentile
Efficiency ratio
70.23%
42th percentile
Non-interest income ratio
26.12%
91th percentile

Capital & Risk

Net worth ratio
21.12%
78th percentile
Delinquency rate
0.99%
41th percentile
Net charge-off rate
0.63%
27th percentile
Loan-to-share
86.97%
85th percentile

Growth

Member growth YoY
-4.36%
21th percentile
Asset growth YoY
-2.74%
26th percentile
Loan growth YoY
1.63%
69th percentile
Share growth YoY
-4.46%
23th percentile

Operations

Members / branch
2,739
89th percentile
Assets / member
$9,364
51th percentile
Field of membership penetration
8.84%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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