Side-by-side · Q2 2026 data
Peoples Exchange Bank vs Gulf Winds Credit Union
Metric by metric
| Measure | Peoples Exchange Bank | Gulf Winds Credit Union |
|---|---|---|
| TellerScore | 64 | 69 (stronger) |
| Capital cushion | 85 (stronger) | 49 |
| Loan quality | 19 | 85 (stronger) |
| Earnings | 59 (stronger) | 56 |
| Funding & liquidity | 95 (stronger) | 81 |
| Problem-loan coverage | 74 | 92 (stronger) |
| Peer percentile | 24th | 54th |
| Total assets | $98.6M | $1.4B |
| Deposits / shares | $86.6M | $1.2B |
| Capital ratio | 13.46% (stronger) | 9.90% |
| Problem loans | 2.44% | 0.44% (stronger) |
| Net charge-offs | 0.23% (stronger) | 0.88% |
| Return on assets | 0.99% (stronger) | 0.91% |
| Loans ÷ deposits | 60.5% (stronger) | 79.6% |
| Uninsured deposits | 19.1% | 4.5% (stronger) |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.1% |
Gulf Winds Credit Union has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Peoples Exchange Bank leads on 4 and Gulf Winds Credit Union on 3. 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.
Where both have branches
- Monroeville, AL