Side-by-side · Q2 2026 data
Gulf Trust Federal Credit Union vs Navigator Federal Credit Union
Credit union
Gulf Trust Federal Credit Union
Pascagoula, Mississippi · Under $100 million in assets
Credit union
Navigator Federal Credit Union
Pascagoula, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | Gulf Trust Federal Credit Union | Navigator Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 63 | 86 (stronger) |
| Funding & liquidity | 72 | 75 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 85th | 95th |
| Total assets | $25.5M | $406.7M |
| Deposits / shares | $19.9M | $327.7M |
| Capital ratio | 21.75% (stronger) | 17.98% |
| Problem loans | 0.03% (stronger) | 0.38% |
| Net charge-offs | -0.10% (stronger) | 1.27% |
| Return on assets | 1.08% | 1.65% (stronger) |
| Loans ÷ deposits | 88.6% | 85.0% (stronger) |
| Uninsured deposits | 3.7% | 2.2% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Navigator Federal Credit Union has the higher TellerScore (90 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Gulf Trust Federal Credit Union leads on 3 and Navigator 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.