TellerScore

Gulf Winds Credit Union is a federally insured state-chartered credit union headquartered in Pensacola, Florida, in business for about 72 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in member shares and deposits, with 13 offices across 2 states.

Gulf Winds Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 54% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 61st. Problem-loan coverage contributes the most (92/100, 4.1%); capital cushion contributes the least (49/100, 9.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.90%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity81/100
Loans ÷ shares: 79.6% · 4.5% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.07%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 69).

TellerScore
646770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202465
Q1 202568
Q2 202569
Q3 202570
Q4 202567
Q1 202667
Q2 202669
Net worth ratio
7.00%8.68%10.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.61%
Q3 20249.63%
Q4 20249.96%
Q1 20259.92%
Q2 202510.27%
Q3 202510.37%
Q4 202510.31%
Q1 20269.93%
Q2 20269.90%
Delinquent loans (60+ days)
0.44%0.61%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.54%
Q4 20240.63%
Q1 20250.61%
Q2 20250.65%
Q3 20250.59%
Q4 20250.78%
Q1 20260.53%
Q2 20260.44%
Return on assets
0.51%0.81%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.60%
Q4 20240.66%
Q1 20250.95%
Q2 20251.10%
Q3 20251.11%
Q4 20250.90%
Q1 20260.85%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.4B9.90%0.44%0.91%79.6%
Q1 202667$1.3B9.93%0.53%0.85%77.3%
Q4 202567$1.3B10.31%0.78%0.90%78.4%
Q3 202570$1.2B10.37%0.59%1.11%80.5%
Q2 202569$1.2B10.27%0.65%1.10%79.9%
Q1 202568$1.2B9.92%0.61%0.95%77.1%
Q4 202465$1.2B9.96%0.63%0.66%80.3%
Q3 202464$1.2B9.63%0.54%0.60%78.8%
Q2 202465$1.2B9.61%0.46%0.51%75.7%

454 peers · $1 billion – $10 billion

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).

Capital ratio9.90%
28th
Problem loans0.44%
76th
Net charge-offs0.88%
20th
Return on assets0.91%
61st
Loans to deposits79.6%
72nd
Uninsured deposits4.5%
91st
Loan-loss reserves0.00%
50th
Texas ratio4.1%
59th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Usf Federal Credit UnionCredit union Tampa, FL60 out of 100, Moderate$1.4B10.6%0.77%vs
Launch Credit UnionCredit union Merritt Island, FL54 out of 100, Below average$1.4B9.3%0.95%vs
Community Credit Union of FloridaCredit union Rockledge, FL70 out of 100, Strong$1.4B11.3%0.22%vs
First Florida Credit UnionCredit union Jacksonville, FL72 out of 100, Strong$1.5B12.9%0.65%vs
First Commerce Credit UnionCredit union Tallahassee, FL65 out of 100, Moderate$1.2B10.1%0.50%vs
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs

Deposit insurance

Is my money safe at Gulf Winds Credit Union?

Yes. Gulf Winds Credit Union is a federally insured credit union (NCUA charter #68694). 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 4.5% of shares and deposits ($54.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.90%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

13 locations

Branches

Gulf Winds Credit Union lists 13 offices in 8 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Gulf Winds Credit Union reported 609 home-loan applications under HMDA (LEI 254900N33AYNKI4VCV72): 270 originated ($38,450,000 total), 101 denied, and 236 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Gulf Winds Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68694
RSSD ID
613697
Primary regulator
State + NCUA
Established
1954
Headquarters
220 E Nine Mile Rd, Pensacola, FL 32534
Employees
250

Quick answers

Gulf Winds Credit Union: common questions

Is Gulf Winds Credit Union NCUA insured?

Yes. Gulf Winds Credit Union is a federally insured credit union (NCUA charter #68694). 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 Winds Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Winds Credit Union have?

13 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Pensacola

InstitutionScoreAssetsCapitalProblem loansCompare
Members First Credit Union of FloriCredit union Pensacola, FL93 out of 100, Very strong$315.8M15.4%0.43%vs
The Warrington BankBank Pensacola, FL88 out of 100, Very strong$173.9M16.7%0.00%vs
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Santa Rosa County Federal Credit UnionCredit union Milton, FL78 out of 100, Strong$223.0M13.6%1.18%vs
Citizens' Bank, Inc.Bank Robertsdale, AL77 out of 100, Strong$158.9M11.0%0.14%vs