BlastPoint's Credit Union Scorecard
GULF TRUST
Charter #24908 · MS
GULF TRUST has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Net Interest Margin 0.22% above tier average
- + Fee Income Per Member: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,736
-2.1% YoY-0.1% QoQ
|
+59 |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$26.2M
-3.3% YoY+2.1% QoQ
|
$-4.0M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$17.7M
+1.9% YoY+1.0% QoQ
|
+$2.4M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$20.6M
-5.0% YoY+1.9% QoQ
|
$-5.2M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
1.1%
-27.4% YoY+48.5% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
4.2%
+2.2% YoY-4.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
78.8%
+6.5% YoY-1.0% QoQ
|
-11.9% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
43% |
| Delinquency Rate |
0.2%
-88.2% YoY-78.0% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
86.2%
+7.3% YoY-0.9% QoQ
|
+27.7% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 11.2% in tier |
| AMR |
$13,987
+0.3% YoY+1.6% QoQ
|
$-897 |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
27.2%
+11.8% YoY+0.8% QoQ
|
+3.0% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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)