Side-by-side · Q2 2026 data
First Florida Credit Union vs Gulf Winds Credit Union
Metric by metric
| Measure | First Florida Credit Union | Gulf Winds Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 80 (stronger) | 49 |
| Loan quality | 78 | 85 (stronger) |
| Earnings | 48 | 56 (stronger) |
| Funding & liquidity | 67 | 81 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 66th | 54th |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 12.95% (stronger) | 9.90% |
| Problem loans | 0.65% | 0.44% (stronger) |
| Net charge-offs | 0.56% (stronger) | 0.88% |
| Return on assets | 0.71% | 0.91% (stronger) |
| Loans ÷ deposits | 92.8% | 79.6% (stronger) |
| Uninsured deposits | 4.6% | 4.5% (stronger) |
| Offices | 9 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.8% | 27.1% |
First Florida Credit Union has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Florida Credit Union leads on 3 and Gulf Winds Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.