Side-by-side · Q2 2026 data
Gulf Coast Bank vs Meritus Federal Credit Union
Metric by metric
| Measure | Gulf Coast Bank | Meritus Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 97 (stronger) | 82 |
| Loan quality | 79 (stronger) | 78 |
| Earnings | 70 (stronger) | 14 |
| Funding & liquidity | 90 (stronger) | 81 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 90th | 45th |
| Total assets | $513.7M | $246.0M |
| Deposits / shares | $444.1M | $208.8M |
| Capital ratio | 14.75% (stronger) | 13.24% |
| Problem loans | 0.63% (stronger) | 0.67% |
| Net charge-offs | 0.13% (stronger) | 0.82% |
| Return on assets | 1.25% (stronger) | -0.15% |
| Loans ÷ deposits | 65.5% (stronger) | 79.2% |
| Uninsured deposits | 19.5% | 1.1% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 28.1% |
Gulf Coast Bank has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Bank leads on 6 and Meritus Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.