Side-by-side · Q2 2026 data
FNB Picayune Bank vs Gulf Coast Community Federal Credit Union
Credit union
Gulf Coast Community Federal Credit Union
Gulfport, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | FNB Picayune Bank | Gulf Coast Community Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 58 | 59 (stronger) |
| Earnings | 100 (stronger) | 39 |
| Funding & liquidity | 83 (stronger) | 78 |
| Problem-loan coverage | 86 | 88 (stronger) |
| Peer percentile | 90th | 60th |
| Total assets | $282.3M | $125.5M |
| Deposits / shares | $241.0M | $101.4M |
| Capital ratio | 15.44% | 17.70% (stronger) |
| Problem loans | 1.26% | 1.22% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.17% |
| Return on assets | 3.28% (stronger) | 0.47% |
| Loans ÷ deposits | 75.1% (stronger) | 82.0% |
| Uninsured deposits | 17.0% | 5.1% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 40.9% |
FNB Picayune Bank has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), FNB Picayune Bank leads on 4 and Gulf Coast Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.