Side-by-side · Q2 2026 data
The First National Bank and Trust vs Gulf Winds Credit Union
Metric by metric
| Measure | The First National Bank and Trust | Gulf Winds Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 69 |
| Capital cushion | 65 (stronger) | 49 |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 40 | 56 (stronger) |
| Funding & liquidity | 84 (stronger) | 81 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 57th | 54th |
| Total assets | $238.6M | $1.4B |
| Deposits / shares | $218.9M | $1.2B |
| Capital ratio | 11.54% (stronger) | 9.90% |
| Problem loans | 0.10% (stronger) | 0.44% |
| Net charge-offs | -0.00% (stronger) | 0.88% |
| Return on assets | 0.50% | 0.91% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 79.6% |
| Uninsured deposits | 22.8% | 4.5% (stronger) |
| Offices | 3 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.1% |
The First National Bank and Trust has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank and Trust leads on 5 and Gulf Winds 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.
Where both have branches
- Atmore, AL