Side-by-side · Q2 2026 data
Gulf Shore Federal Credit Union vs Union Fidelity Federal Credit Union
Metric by metric
| Measure | Gulf Shore Federal Credit Union | Union Fidelity Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 75 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 26 | 60 (stronger) |
| Earnings | 36 | 41 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 26th | 52nd |
| Total assets | $28.5M | $28.2M |
| Deposits / shares | $24.4M | $22.4M |
| Capital ratio | 13.38% | 19.70% (stronger) |
| Problem loans | 2.21% | 1.21% (stronger) |
| Net charge-offs | -0.33% (stronger) | 1.14% |
| Return on assets | 0.40% | 0.52% (stronger) |
| Loans ÷ deposits | 49.8% (stronger) | 79.2% |
| Uninsured deposits | 6.9% | 2.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Fidelity Federal Credit Union has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Gulf Shore Federal Credit Union leads on 2 and Union Fidelity Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.