Side-by-side · Q2 2026 data
Gulf Trust Federal Credit Union vs New Horizons 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 | New Horizons Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 63 (stronger) | 48 |
| Funding & liquidity | 72 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 85th | 54th |
| Total assets | $25.5M | $304.1M |
| Deposits / shares | $19.9M | $269.6M |
| Capital ratio | 21.75% (stronger) | 10.81% |
| Problem loans | 0.03% (stronger) | 0.37% |
| Net charge-offs | -0.10% (stronger) | 0.25% |
| Return on assets | 1.08% (stronger) | 0.70% |
| Loans ÷ deposits | 88.6% | 79.2% (stronger) |
| Uninsured deposits | 3.7% | 1.4% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.5% |
Gulf Trust Federal Credit Union has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Gulf Trust Federal Credit Union leads on 5 and New Horizons Credit Union on 2. 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.