GULF TRUST
Charter #24908 · PASCAGOULA, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 28th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GULF TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.18M | 52th pct | 28th pct |
| Members | 2,736 | 69th pct | 51th pct |
| Net worth ratio | 20.96% | 88th pct | 72th pct |
| Return on average assets | 1.08% | 71th pct | 66th pct |
| Net interest margin | 4.27% | 70th pct | 64th pct |
| Cost of funds | 1.04% | 60th pct | 39th pct |
| Loan-to-share | 86.19% | 91th pct | 67th pct |
| Delinquency 60+ days | 0.22% | 31th pct | 26th pct |
| Net charge-off ratio | 0.27% | 60th pct | 69th pct |
| Loan growth YoY | -1.93% | 54th pct | 38th pct |
| Share growth YoY | 0.75% | 33th pct | 33th pct |
| Efficiency ratio | 78.77% | 46th pct | 39th pct |
structural peer set hash: 4d1d2afcb64a9a133717083f6959530e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.