Side-by-side · Q2 2026 data
Gulf Credit Union vs First Basin Credit Union
Metric by metric
| Measure | Gulf Credit Union | First Basin Credit Union |
|---|---|---|
| TellerScore | 68 | 75 (stronger) |
| Capital cushion | 50 | 65 (stronger) |
| Loan quality | 85 | 90 (stronger) |
| Earnings | 41 | 44 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 45th | 66th |
| Total assets | $348.6M | $343.2M |
| Deposits / shares | $313.7M | $278.5M |
| Capital ratio | 9.98% | 11.46% (stronger) |
| Problem loans | 0.45% | 0.29% (stronger) |
| Net charge-offs | 0.73% | 0.67% (stronger) |
| Return on assets | 0.53% | 0.59% (stronger) |
| Loans ÷ deposits | 65.9% | 57.0% (stronger) |
| Uninsured deposits | 4.8% | 3.7% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.5% | 38.5% |
First Basin Credit Union has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Gulf Credit Union leads on 0 and First Basin Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.