GULF WINDS
Charter #68694 · PENSACOLA, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 70th — a 49-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 WINDS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.33B | 21th pct | 70th pct |
| Members | 74,184 | 22th pct | 57th pct |
| Net worth ratio | 9.93% | 31th pct | 36th pct |
| Return on average assets | 0.87% | 62th pct | 56th pct |
| Net interest margin | 3.74% | 76th pct | 57th pct |
| Cost of funds | 1.57% | 40th pct | 59th pct |
| Loan-to-share | 77.27% | 27th pct | 44th pct |
| Delinquency 60+ days | 0.53% | 40th pct | 38th pct |
| Net charge-off ratio | 0.72% | 68th pct | 66th pct |
| Loan growth YoY | 6.71% | 90th pct | 87th pct |
| Share growth YoY | 11.19% | 93th pct | 98th pct |
| Efficiency ratio | 69.31% | 39th pct | 30th pct |
structural peer set hash: fb01074e7870a6620256cbbb53c66b15… (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.