Side-by-side · Q2 2026 data
Gulf Capital Bank vs Local 24 Employees Federal Credit Union
Credit union
Local 24 Employees Federal Credit Union
Pasadena, Texas · Under $100 million in assets
Metric by metric
| Measure | Gulf Capital Bank | Local 24 Employees Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 98 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 78 | 91 (stronger) |
| Earnings | 48 | 100 (stronger) |
| Funding & liquidity | 43 | 100 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 47th | 98th |
| Total assets | $596.5M | $13.6M |
| Deposits / shares | $497.3M | $10.7M |
| Capital ratio | 13.78% | 21.01% (stronger) |
| Problem loans | 0.65% | 0.26% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.20% |
| Return on assets | 0.71% | 2.15% (stronger) |
| Loans ÷ deposits | 74.8% | 43.1% (stronger) |
| Uninsured deposits | 52.8% | 1.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 24 Employees Federal Credit Union has the higher TellerScore (98 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Gulf Capital Bank leads on 1 and Local 24 Employees 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.