Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Gulf Trust Federal Credit Union
Bank
First Federal Savings and Loan Association
Pascagoula, Mississippi · $100 million – $1 billion
Credit union
Gulf Trust Federal Credit Union
Pascagoula, Mississippi · Under $100 million in assets
Metric by metric
| Measure | First Federal Savings and Loan Association | Gulf Trust Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 88 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 95 | 99 (stronger) |
| Earnings | 37 | 63 (stronger) |
| Funding & liquidity | 42 | 72 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 20th | 85th |
| Total assets | $381.4M | $25.5M |
| Deposits / shares | $276.2M | $19.9M |
| Capital ratio | 9.72% | 21.75% (stronger) |
| Problem loans | 0.16% | 0.03% (stronger) |
| Net charge-offs | 0.00% | -0.10% (stronger) |
| Return on assets | 0.42% | 1.08% (stronger) |
| Loans ÷ deposits | 111.1% | 88.6% (stronger) |
| Uninsured deposits | 22.4% | 3.7% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
Gulf Trust Federal Credit Union has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 0 and Gulf Trust Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.