Side-by-side · Q2 2026 data
Gulf Coast Federal Credit Union vs Unity One 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 | Unity One Credit Union |
|---|---|---|
| TellerScore | 48 | 51 (stronger) |
| Capital cushion | 34 | 34 |
| Loan quality | 56 | 67 (stronger) |
| Earnings | 38 (stronger) | 4 |
| Funding & liquidity | 63 | 98 (stronger) |
| Problem-loan coverage | 65 | 86 (stronger) |
| Peer percentile | 4th | 7th |
| Total assets | $259.8M | $275.9M |
| Deposits / shares | $235.8M | $260.0M |
| Capital ratio | 8.35% | 8.39% (stronger) |
| Problem loans | 1.31% | 0.98% (stronger) |
| Net charge-offs | 1.46% | 1.07% (stronger) |
| Return on assets | 0.44% (stronger) | -0.41% |
| Loans ÷ deposits | 97.7% | 62.2% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 4.5% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Unity One Credit Union has the higher TellerScore (51 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Federal Credit Union leads on 2 and Unity One Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.