Side-by-side · Q2 2026 data
Gulf Trust Federal Credit Union vs Mobile Educators Credit Union
Credit union
Gulf Trust Federal Credit Union
Pascagoula, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Gulf Trust Federal Credit Union | Mobile Educators Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 63 | 80 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 85th | 86th |
| Total assets | $25.5M | $113.2M |
| Deposits / shares | $19.9M | $98.2M |
| Capital ratio | 21.75% (stronger) | 13.20% |
| Problem loans | 0.03% (stronger) | 0.74% |
| Net charge-offs | -0.10% (stronger) | 0.06% |
| Return on assets | 1.08% | 1.51% (stronger) |
| Loans ÷ deposits | 88.6% | 13.4% (stronger) |
| Uninsured deposits | 3.7% | 2.0% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gulf Trust Federal Credit Union has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Gulf Trust Federal Credit Union leads on 4 and Mobile Educators Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.