Side-by-side · Q2 2026 data
One South Federal Credit Union vs Gulf Trust Federal Credit Union
Credit union
One South Federal Credit Union
Natchez, Mississippi · Under $100 million in assets
Credit union
Gulf Trust Federal Credit Union
Pascagoula, Mississippi · Under $100 million in assets
Metric by metric
| Measure | One South Federal Credit Union | Gulf Trust Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 99 (stronger) |
| Earnings | 21 | 63 (stronger) |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 19th | 85th |
| Total assets | $16.7M | $25.5M |
| Deposits / shares | $13.9M | $19.9M |
| Capital ratio | 21.16% | 21.75% (stronger) |
| Problem loans | 3.42% | 0.03% (stronger) |
| Net charge-offs | 1.44% | -0.10% (stronger) |
| Return on assets | 0.03% | 1.08% (stronger) |
| Loans ÷ deposits | 53.8% (stronger) | 88.6% |
| Uninsured deposits | 0.4% (stronger) | 3.7% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gulf Trust Federal Credit Union has the higher TellerScore (88 vs 58). On the 7 directional measures above (where higher or lower is clearly better), One South Federal Credit Union leads on 2 and Gulf Trust Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.