State credit union · PENSACOLA, Florida · NCUA charter #68694
Gulf Winds
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.25B
- Total assets
- 73,515
- Members
- 9.9%
- Net-worth ratio
Gulf Winds scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.25B; members 73,515; net-worth ratio 9.93%; health rank #992 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#992 of 4,374 health · 2025Q4Gulf Winds · health 91/100 · $1.25B · 2025Q4
- NW 91/100
- DELQ 9.9%
- ROA 0.78%
- ASSETS 0.63%
- MEM $1.25B
- RANK 73,515
- PHOTO #992/4,374
- BOOK AMPLIFY
- CHARTER 68694
Call Report peers
Gulf Winds in the assets neighbourhood
Gulf Winds's $1.25B assets sit next to AMPLIFY ($1.25B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gulf Winds vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Gulf Winds - Share Insurance Coverage
Charter #68694's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Gulf Winds diverges from peer averages
- Return on Assets leads the peer set - 0.63% here, 0.51% peer average (+0.12 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.47 pp (78.43% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Gulf Winds: in-state Call Report ranks
- In Florida, health place is #39 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #24 of 109 inside Florida ($1.25B reported).
- Member book place in Florida: #23 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Gulf Winds Call Report trajectory
Gulf Winds: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $1.25B (2025Q4) to $1.33B (2026Q1).
- Net-worth ratio shifted -0.38 pp (10.31% → 9.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 22.2 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.93% | -1.25 pp |
| Delinquency Rate | 0.78% | -0.10 pp |
| Return on Assets | 0.63% | +0.12 pp |
| Member Growth | -0.04% | - |
| Loan-to-Share Ratio | 78.43% | -5.47 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.33B | - |
| 2025Q4 | $1.25B | 73,515 |
| 2024Q4 | $1.19B | 73,547 |
| 2023Q4 | $1.11B | 81,853 |
Credit Union Details
- Charter Number
- 68694
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- PENSACOLA
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, Gulf Winds runs 13 offices in 9 different cities across 2 states.
| Office | City |
|---|---|
| Administration Building (Main Office) | Pensacola, FL |
| Atmore Branch | Atmore, AL |
| Brewton Branch | Brewton, AL |
| Crawfordville | Crawfordville, FL |
| Gulf Breeze Branch | Gulf Breeze, FL |
| Milton Branch | Milton, FL |
| Monroeville Branch | Monroeville, AL |
| Nine Mile Branch | Pensacola, FL |
| Blue Angel Branch | Pensacola, FL |
| Creighton Branch | Pensacola, FL |
| Garden St Branch | PENSACOLA, FL |
| Mahan | Tallahassee, FL |
| Monroe St | Tallahassee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Gulf Winds - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.25B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Gulf Winds ranks #992 of 4,374 nationally on financial health and #39 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Commerce is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Commerce
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Gulf Winds financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Gulf Winds's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #992 of 4,374; by total assets it ranks #388 of 4,374 nationally (same basis as /rankings/largest); and #24 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.93% net worth ratio and 0.78% delinquency rate are the key drivers.
How does Gulf Winds compare to other credit unions?
Gulf Winds scores 91/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Gulf Winds?
Membership eligibility for Gulf Winds depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Gulf Winds directly for current membership requirements and application steps.
Is my money safe at Gulf Winds?
Federal credit unions like Gulf Winds are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Gulf Winds's net worth ratio of 9.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gulf Winds offer compared to banks?
Credit unions like Gulf Winds are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Gulf Winds directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.