Side-by-side · Q2 2026 data
Tropical Financial Credit Union vs Gulf Winds Credit Union
Metric by metric
| Measure | Tropical Financial Credit Union | Gulf Winds Credit Union |
|---|---|---|
| TellerScore | 58 | 69 (stronger) |
| Capital cushion | 45 | 49 (stronger) |
| Loan quality | 71 | 85 (stronger) |
| Earnings | 44 | 56 (stronger) |
| Funding & liquidity | 65 | 81 (stronger) |
| Problem-loan coverage | 83 | 92 (stronger) |
| Peer percentile | 19th | 54th |
| Total assets | $1.0B | $1.4B |
| Deposits / shares | $884.2M | $1.2B |
| Capital ratio | 9.47% | 9.90% (stronger) |
| Problem loans | 0.88% | 0.44% (stronger) |
| Net charge-offs | 0.59% (stronger) | 0.88% |
| Return on assets | 0.61% | 0.91% (stronger) |
| Loans ÷ deposits | 95.2% | 79.6% (stronger) |
| Uninsured deposits | 7.7% | 4.5% (stronger) |
| Offices | 2 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 47.5% | 27.1% |
Gulf Winds Credit Union has the higher TellerScore (69 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Tropical Financial Credit Union leads on 1 and Gulf Winds Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.