Side-by-side · Q2 2026 data
Gulf Capital Bank vs Ila 1351 Federal Credit Union
Metric by metric
| Measure | Gulf Capital Bank | Ila 1351 Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 92 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 48 | 68 (stronger) |
| Funding & liquidity | 43 | 92 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 47th | 92nd |
| Total assets | $596.5M | $17.3M |
| Deposits / shares | $497.3M | $14.1M |
| Capital ratio | 13.78% | 17.01% (stronger) |
| Problem loans | 0.65% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.71% | 1.20% (stronger) |
| Loans ÷ deposits | 74.8% | 68.4% (stronger) |
| Uninsured deposits | 52.8% | 8.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ila 1351 Federal Credit Union has the higher TellerScore (92 vs 71). On the 6 directional measures above (where higher or lower is clearly better), Gulf Capital Bank leads on 0 and Ila 1351 Federal Credit Union on 6. 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.