BlastPoint's Credit Union Scorecard
GULF TRUST
Charter #24908 · MS
GULF TRUST has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.48% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,739
-4.4% YoY-0.5% QoQ
|
+123 |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$25.6M
-2.7% YoY-1.1% QoQ
|
$-4.5M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$17.5M
+1.6% YoY-2.9% QoQ
|
+$1.8M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$20.2M
-4.5% YoY-1.1% QoQ
|
$-5.5M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.7%
-21.7% YoY-15.5% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
4.4%
+2.0% YoY+1.8% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
79.6%
+9.8% YoY+4.4% QoQ
|
-3.0% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.0%
-40.8% YoY+5.2% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
87.0%
+6.4% YoY-1.8% QoQ
|
+26.4% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 13.3% in tier |
| AMR |
$13,769
+2.8% YoY-1.4% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
27.0%
+6.7% YoY+0.9% QoQ
|
+2.6% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)