Side-by-side · Q2 2026 data
Gulf Coast Bank vs P.H.I. Federal Credit Union
Metric by metric
| Measure | Gulf Coast Bank | P.H.I. Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 55 |
| Capital cushion | 97 (stronger) | 20 |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 70 (stronger) | 0 |
| Funding & liquidity | 90 | 92 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 90th | 15th |
| Total assets | $513.7M | $4.9M |
| Deposits / shares | $444.1M | $4.5M |
| Capital ratio | 14.75% (stronger) | 6.97% |
| Problem loans | 0.63% | 0.00% (stronger) |
| Net charge-offs | 0.13% | -0.13% (stronger) |
| Return on assets | 1.25% (stronger) | -0.59% |
| Loans ÷ deposits | 65.5% (stronger) | 68.6% |
| Uninsured deposits | 19.5% | 0.0% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
Gulf Coast Bank has the higher TellerScore (86 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Bank leads on 4 and P.H.I. Federal Credit Union on 3. 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.