Side-by-side · Q2 2026 data
Ecm Federal Credit Union vs Gulf Trust Federal Credit Union
Credit union
Ecm Federal Credit Union
Ridgeland, Mississippi · Under $100 million in assets
Credit union
Gulf Trust Federal Credit Union
Pascagoula, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Ecm Federal Credit Union | Gulf Trust Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 88 (stronger) |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 78 | 99 (stronger) |
| Earnings | 69 (stronger) | 63 |
| Funding & liquidity | 98 (stronger) | 72 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 83rd | 85th |
| Total assets | $28.9M | $25.5M |
| Deposits / shares | $24.4M | $19.9M |
| Capital ratio | 14.87% | 21.75% (stronger) |
| Problem loans | 0.66% | 0.03% (stronger) |
| Net charge-offs | 0.01% | -0.10% (stronger) |
| Return on assets | 1.22% (stronger) | 1.08% |
| Loans ÷ deposits | 62.1% (stronger) | 88.6% |
| Uninsured deposits | 0.0% (stronger) | 3.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gulf Trust Federal Credit Union has the higher TellerScore (88 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Ecm Federal Credit Union leads on 3 and Gulf Trust Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.