Side-by-side · Q2 2026 data
Gulf Shore Federal Credit Union vs Chocolate Bayou Community Federal Credit Union
Credit union
Chocolate Bayou Community Federal Credit Union
Alvin, Texas · $100 million – $1 billion
Metric by metric
| Measure | Gulf Shore Federal Credit Union | Chocolate Bayou Community Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 84 (stronger) | 79 |
| Loan quality | 26 | 74 (stronger) |
| Earnings | 36 | 53 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 86 | 94 (stronger) |
| Peer percentile | 26th | 71st |
| Total assets | $28.5M | $158.1M |
| Deposits / shares | $24.4M | $136.7M |
| Capital ratio | 13.38% (stronger) | 12.87% |
| Problem loans | 2.21% | 0.77% (stronger) |
| Net charge-offs | -0.33% (stronger) | 0.29% |
| Return on assets | 0.40% | 0.82% (stronger) |
| Loans ÷ deposits | 49.8% (stronger) | 57.0% |
| Uninsured deposits | 6.9% | 6.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 54.4% |
Chocolate Bayou Community Federal Credit Union has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Gulf Shore Federal Credit Union leads on 3 and Chocolate Bayou Community Federal Credit Union on 4. 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.