Side-by-side · Q2 2026 data
Gulf Winds Credit Union vs Radiant Credit Union
Metric by metric
| Measure | Gulf Winds Credit Union | Radiant Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 65 |
| Capital cushion | 49 (stronger) | 45 |
| Loan quality | 85 (stronger) | 84 |
| Earnings | 56 (stronger) | 43 |
| Funding & liquidity | 81 | 85 (stronger) |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 54th | 41st |
| Total assets | $1.4B | $1.1B |
| Deposits / shares | $1.2B | $969.4M |
| Capital ratio | 9.90% (stronger) | 9.50% |
| Problem loans | 0.44% (stronger) | 0.47% |
| Net charge-offs | 0.88% | 0.63% (stronger) |
| Return on assets | 0.91% (stronger) | 0.59% |
| Loans ÷ deposits | 79.6% | 75.3% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 7.5% |
| Offices | 13 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.1% | 41.0% |
Gulf Winds Credit Union has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Gulf Winds Credit Union leads on 5 and Radiant Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.