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
Call Report peers
Gulf Winds in the assets neighbourhood
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Gulf Winds vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Gulf Winds sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Florida, San Antonio Citizens (#38) ties at 91/100; one place down, Addition Financial (#40) ties at 91/100.
Gulf Winds Call Report trajectory
Gulf Winds: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.0% from $1.25B (2025Q4) to $1.33B (2026Q1).
- Net-worth ratio shifted -0.38 pp (10.31% → 9.93%).
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
Gulf Winds gives up 9 points in total. Member Growth costs the most, 6.1 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Gulf Winds financially healthy?
Gulf Winds has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #992 of 4,374 nationally on health and #39 of 109 in Florida. Its net worth ratio is 9.93% and its delinquency rate 0.78%.
How does Gulf Winds compare to other credit unions?
Gulf Winds scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.63% vs 0.51%). Its widest shortfall is loan-to-share ratio (78.43% vs 83.90%).
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?
Gulf Winds is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.