Side-by-side · Q2 2026 data
Gulf Shore Federal Credit Union vs Nspire Federal Credit Union
Metric by metric
| Measure | Gulf Shore Federal Credit Union | Nspire Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 66 (stronger) |
| Capital cushion | 84 | 85 (stronger) |
| Loan quality | 26 | 78 (stronger) |
| Earnings | 36 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 26th | 32nd |
| Total assets | $28.5M | $29.0M |
| Deposits / shares | $24.4M | $24.9M |
| Capital ratio | 13.38% | 13.49% (stronger) |
| Problem loans | 2.21% | 0.65% (stronger) |
| Net charge-offs | -0.33% (stronger) | 1.30% |
| Return on assets | 0.40% (stronger) | -0.66% |
| Loans ÷ deposits | 49.8% (stronger) | 81.4% |
| Uninsured deposits | 6.9% | 2.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nspire Federal Credit Union has the higher TellerScore (66 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Gulf Shore Federal Credit Union leads on 3 and Nspire Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.