Side-by-side · Q2 2026 data
Gulf Coast Federal Credit Union vs Southwest Heritage Credit Union
Credit union
Gulf Coast Federal Credit Union
Corpus Christi, Texas · $100 million – $1 billion
Metric by metric
| Measure | Gulf Coast Federal Credit Union | Southwest Heritage Credit Union |
|---|---|---|
| TellerScore | 48 | 83 (stronger) |
| Capital cushion | 34 | 83 (stronger) |
| Loan quality | 56 | 93 (stronger) |
| Earnings | 38 | 68 (stronger) |
| Funding & liquidity | 63 | 77 (stronger) |
| Problem-loan coverage | 65 | 96 (stronger) |
| Peer percentile | 4th | 83rd |
| Total assets | $259.8M | $260.9M |
| Deposits / shares | $235.8M | $225.0M |
| Capital ratio | 8.35% | 13.27% (stronger) |
| Problem loans | 1.31% | 0.20% (stronger) |
| Net charge-offs | 1.46% | 0.19% (stronger) |
| Return on assets | 0.44% | 1.20% (stronger) |
| Loans ÷ deposits | 97.7% | 70.2% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 27.1% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Heritage Credit Union has the higher TellerScore (83 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Federal Credit Union leads on 1 and Southwest Heritage Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.