Side-by-side · Q2 2026 data
Gulf Coast Federal Credit Union vs Red Oak Credit Union
Metric by metric
| Measure | Gulf Coast Federal Credit Union | Red Oak Credit Union |
|---|---|---|
| TellerScore | 26 | 46 (stronger) |
| Capital cushion | 9 (stronger) | 8 |
| Loan quality | 9 | 77 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 62 | 90 (stronger) |
| Peer percentile | 1st | 6th |
| Total assets | $44.2M | $40.1M |
| Deposits / shares | $41.5M | $31.7M |
| Capital ratio | 5.93% (stronger) | 5.84% |
| Problem loans | 2.74% | 0.68% (stronger) |
| Net charge-offs | 0.50% (stronger) | 1.18% |
| Return on assets | -0.99% | -0.64% (stronger) |
| Loans ÷ deposits | 43.7% (stronger) | 56.3% |
| Uninsured deposits | 2.0% (stronger) | 4.8% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Red Oak Credit Union has the higher TellerScore (46 vs 26). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Federal Credit Union leads on 4 and Red Oak Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.