Side-by-side · Q2 2026 data
United Bank vs Gulf Winds Credit Union
Metric by metric
| Measure | United Bank | Gulf Winds Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 55 | 85 (stronger) |
| Earnings | 72 (stronger) | 56 |
| Funding & liquidity | 47 | 81 (stronger) |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 74th | 54th |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 15.79% (stronger) | 9.90% |
| Problem loans | 1.35% | 0.44% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.88% |
| Return on assets | 1.31% (stronger) | 0.91% |
| Loans ÷ deposits | 75.9% (stronger) | 79.6% |
| Uninsured deposits | 48.4% | 4.5% (stronger) |
| Offices | 19 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | 27.1% |
United Bank has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 5 and Gulf Winds Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Atmore, AL
- Brewton, AL
- Monroeville, AL
- Milton, FL