BlastPoint's Credit Union Scorecard
GULF WINDS
Charter #68694 · FL
GULF WINDS has 3 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 35.5% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 23.4% in tier
- - Margin Compression: Bottom 35.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,184
+2.4% YoY+0.9% QoQ
|
-21.9K |
96,048
-2.7% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$1.3B
+8.7% YoY+6.0% QoQ
|
$-391.8M |
$1.7B
+0.4% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$920.1M
+7.2% YoY+5.0% QoQ
|
$-293.6M |
$1.2B
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$1.2B
+6.9% YoY+6.5% QoQ
|
$-274.7M |
$1.5B
+0.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
41% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-11.7% YoY-6.7% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
3.6%
+0.2% YoY-1.4% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
69.3%
+4.8% YoY+2.6% QoQ
|
-5.3% |
74.6%
-3.0% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.5%
-13.4% YoY-32.1% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
77.3%
+0.3% YoY-1.5% QoQ
|
-5.9% |
83.2%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$28,455
+4.4% YoY+4.9% QoQ
|
$-1K |
$29,652
+2.3% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
33.3%
+9.2% YoY+4.3% QoQ
|
+4.4% | 28.8% | 24.4% | 19.8% | 70% |
| Indirect Auto % |
21.8%
+12.5% YoY+2.9% QoQ
|
+3.7% | 18.1% | 10.8% | 7.7% | 64% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)