Side-by-side · Q2 2026 data
Gulf Atlantic Bank vs Keys Federal Credit Union
Metric by metric
| Measure | Gulf Atlantic Bank | Keys Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 62 |
| Capital cushion | 44 | 60 (stronger) |
| Loan quality | 93 (stronger) | 71 |
| Earnings | 47 (stronger) | 31 |
| Funding & liquidity | 46 | 80 (stronger) |
| Problem-loan coverage | 97 (stronger) | 81 |
| Peer percentile | 22nd | 26th |
| Total assets | $253.2M | $253.2M |
| Deposits / shares | $213.0M | $218.6M |
| Capital ratio | 9.38% | 10.98% (stronger) |
| Problem loans | 0.20% (stronger) | 0.88% |
| Net charge-offs | 0.19% (stronger) | 1.66% |
| Return on assets | 0.68% (stronger) | 0.28% |
| Loans ÷ deposits | 89.1% | 80.6% (stronger) |
| Uninsured deposits | 37.7% | 7.4% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Gulf Atlantic Bank leads on 3 and Keys Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.