Gulf Trust Federal Credit Union (NCUA charter #24908) is based in Pascagoula, Mississippi. Its Q2 2026 call report shows $25.5M in total assets and $19.9M in member shares and deposits and 1 office.
Gulf Trust Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 6th. Capital cushion contributes the most (100/100, 21.75%); earnings contributes the least (63/100, 1.08%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (77 → 88), mostly because the loan quality component improved by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 84 |
| Q4 2024 | 73 |
| Q1 2025 | 76 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 87 |
| Q2 2026 | 88 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.98% |
| Q3 2024 | 19.68% |
| Q4 2024 | 19.88% |
| Q1 2025 | 19.72% |
| Q2 2025 | 20.29% |
| Q3 2025 | 20.86% |
| Q4 2025 | 21.12% |
| Q1 2026 | 20.96% |
| Q2 2026 | 21.75% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.69% |
| Q4 2024 | 1.67% |
| Q1 2025 | 1.85% |
| Q2 2025 | 1.05% |
| Q3 2025 | 0.94% |
| Q4 2025 | 0.99% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.20% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.46% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.72% |
| Q1 2026 | 1.07% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $25.5M | 21.75% | 0.03% | 1.08% | 88.6% |
| Q1 2026 | 87 | $26.2M | 20.96% | 0.22% | 1.07% | 86.2% |
| Q4 2025 | 77 | $25.6M | 21.12% | 0.99% | 0.72% | 87.0% |
| Q3 2025 | 78 | $25.9M | 20.86% | 0.94% | 0.86% | 88.6% |
| Q2 2025 | 77 | $26.3M | 20.29% | 1.05% | 0.74% | 82.0% |
| Q1 2025 | 76 | $27.1M | 19.72% | 1.85% | 1.46% | 80.3% |
| Q4 2024 | 73 | $26.4M | 19.88% | 1.67% | 0.93% | 81.8% |
| Q3 2024 | 84 | $26.7M | 19.68% | 0.69% | 1.20% | 81.5% |
| Q2 2024 | 84 | $27.1M | 18.98% | 0.50% | 1.00% | 81.1% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Neshoba Federal Credit UnionCredit union Philadelphia, MS | 81 out of 100, Strong | $24.6M | 13.2% | 0.91% | vs |
| Ecm Federal Credit UnionCredit union Ridgeland, MS | 87 out of 100, Very strong | $28.9M | 14.9% | 0.66% | vs |
| Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS | 97 out of 100, Very strong | $29.2M | 18.1% | 0.10% | vs |
| Meridian Mississippi Ang Federal Credit UnionCredit union Meridian, MS | 78 out of 100, Strong | $31.3M | 14.6% | 1.57% | vs |
| Camp Shelby Federal Credit UnionCredit union Hattiesburg, MS | 84 out of 100, Strong | $31.8M | 23.9% | 0.83% | vs |
| One South Federal Credit UnionCredit union Natchez, MS | 58 out of 100, Moderate | $16.7M | 21.2% | 3.42% | vs |
Deposit insurance
Is my money safe at Gulf Trust Federal Credit Union?
Yes. Gulf Trust Federal Credit Union is a federally insured credit union (NCUA charter #24908). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.7% of shares and deposits ($730K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 21.75%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Gulf Trust Federal Credit Union lists 1 office in 1 city. Most locations:
- Pascagoula, MS (1)
Identity & history
Profile
- Legal name
- Gulf Trust Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24908
- RSSD ID
- 46594
- Primary regulator
- NCUA
- Established
- 1972
- Headquarters
- 2533 Denny Ave, Pascagoula, MS 39567
- Employees
- 10
Quick answers
Gulf Trust Federal Credit Union: common questions
Is Gulf Trust Federal Credit Union NCUA insured?
Yes. Gulf Trust Federal Credit Union is a federally insured credit union (NCUA charter #24908). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Gulf Trust Federal Credit Union's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Gulf Trust Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Pascagoula
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Navigator Federal Credit UnionCredit union Pascagoula, MS | 90 out of 100, Very strong | $406.7M | 18.0% | 0.38% | vs |
| Mobile Educators Credit UnionCredit union Mobile, AL | 84 out of 100, Strong | $113.2M | 13.2% | 0.74% | vs |
| Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS | 83 out of 100, Strong | $12.1M | 11.9% | 0.25% | vs |
| The Peoples Bank, Biloxi, MississippiBank Biloxi, MS | 82 out of 100, Strong | $770.7M | 15.2% | 0.18% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |
| New Horizons Credit UnionCredit union Mobile, AL | 71 out of 100, Strong | $304.1M | 10.8% | 0.37% | vs |