Side-by-side · Q2 2026 data
The Peoples Bank, Biloxi, Mississippi vs Gulf Trust Federal Credit Union
Credit union
Gulf Trust Federal Credit Union
Pascagoula, Mississippi · Under $100 million in assets
Metric by metric
| Measure | The Peoples Bank, Biloxi, Mississippi | Gulf Trust Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 47 | 63 (stronger) |
| Funding & liquidity | 63 | 72 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 82nd | 85th |
| Total assets | $770.7M | $25.5M |
| Deposits / shares | $610.1M | $19.9M |
| Capital ratio | 15.22% | 21.75% (stronger) |
| Problem loans | 0.18% | 0.03% (stronger) |
| Net charge-offs | -0.12% (stronger) | -0.10% |
| Return on assets | 0.67% | 1.08% (stronger) |
| Loans ÷ deposits | 44.9% (stronger) | 88.6% |
| Uninsured deposits | 48.3% | 3.7% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | 16 | — |
| Complaints per $1B deposits | 26.2 | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Gulf Trust Federal Credit Union has the higher TellerScore (88 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Bank, Biloxi, Mississippi leads on 2 and Gulf Trust Federal Credit Union on 5. 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.