BlastPoint's Credit Union Scorecard
GULF WINDS
Charter #68694 · FL
GULF WINDS has 5 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
- + Wallet Share Momentum: Top 9.9% in tier
- + Emerging Performer: Top 37.6% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.27% above tier average
- + Deposit Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 11.8% in tier
- - Margin Compression: Bottom 37.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +12.8% year over year ($1.22B in shares and deposits).
- Membership: 74,541 members, +2.4% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 0.92%.
- Efficiency ratio 68.46% vs a 73.02% peer average.
- Loan-to-share ratio 79.63% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,541
+2.4% YoY+0.5% QoQ
|
-22.3K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$1.4B
+12.5% YoY+2.6% QoQ
|
$-361.6M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$970.3M
+12.3% YoY+5.4% QoQ
|
$-264.0M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$1.2B
+12.8% YoY+2.3% QoQ
|
$-244.8M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
43% |
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 |
0.9%
-15.8% YoY+8.6% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.7%
+0.3% YoY+1.7% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
68.5%
+4.7% YoY-1.2% QoQ
|
-4.6% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.4%
-33.3% YoY-17.4% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
79.6%
-0.4% YoY+3.0% QoQ
|
-5.1% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$29,363
+9.9% YoY+3.2% QoQ
|
$-212 |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
34.3%
+17.6% YoY+3.1% QoQ
|
+5.2% | 29.1% | 24.7% | 20.0% | 72% |
| Indirect Auto % |
22.0%
+11.0% YoY+0.9% QoQ
|
+3.9% | 18.1% | 10.8% | 7.7% | 65% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)