GULF WINDS

Charter #68694 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

GULF WINDS has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.8% in tier
  • + Relationship Depth Leader: Top 2.6% in tier
  • + Emerging Performer: Top 21.7% in tier
  • + ROA 0.42% above tier average
  • + Net Interest Margin 0.46% above tier average
  • + AMR Growth Rate: Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 0.4% in tier
  • - Membership Headwinds: Bottom 0.8% in tier
  • - Indirect Auto Dependency: Bottom 21.8% in tier
  • - Credit Quality Pressure: Bottom 22.1% in tier
  • - Growth-at-Risk: Bottom 26.4% in tier
  • - Member decline: -13.0% YoY
  • - Member Growth Rate: Bottom 2.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 72,992
-13.0% YoY+0.3% QoQ
 -25.7K 98,678
-1.9% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 30th in tier
Assets $1.2B
+2.7% YoY+2.0% QoQ
 $-484.0M $1.7B
+0.5% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 25th in tier
Loans $862.3M
+3.1% YoY-0.2% QoQ
 $-370.8M $1.2B
+0.5% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Bottom 21.4% in tier
Deposits $1.1B
+0.9% YoY-0.9% QoQ
 $-383.3M $1.5B
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 28th in tier
ROA 1.1%
+86.7% YoY+2.9% QoQ
 +0.4% 0.7%
+13.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Top 15.5% in tier
NIM 3.7%
+21.7% YoY+1.1% QoQ
 +0.5% 3.3%
+9.3% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Top 20.4% in tier
Efficiency Ratio 64.9%
-13.7% YoY-0.8% QoQ
 -9.1% 74.0%
-10.9% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 Bottom 16.4% in tier
Delinquency Rate 0.6%
+8.5% YoY-10.3% QoQ
 -0.2 0.8%
+6.1% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 40th in tier
Loan To Share 80.5%
+2.2% YoY+0.7% QoQ
 -4.7% 85.2%
-0.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 31st in tier
AMR $26,486
+17.1% YoY-0.9% QoQ
 $-3K $29,172
+2.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 45th in tier
CD Concentration 29.5%
-9.6% YoY+1.3% QoQ
 +0.5% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 55th in tier
Indirect Auto % 20.4%
+4.6% YoY+2.8% QoQ
 +1.6% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 58th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#7 of 264 • Top 0.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 17.08%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#20 of 264 • Top 2.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 17.08%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.4K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Emerging Performer

growth
#116 of 184 • Top 21.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -13.02%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk
#2 of 85 • Bottom 0.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -13.02%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.5K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 29.53%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Membership Headwinds

decline
#3 of 85 • Bottom 0.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -13.02%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#135 of 202 • Bottom 21.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.75%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 20.35%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -13.02%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Credit Quality Pressure

risk
#170 of 217 • Bottom 22.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Growth-at-Risk

risk
#148 of 161 • Bottom 26.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.09%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

5
AMR Growth Rate
growth
Value: 17.08%
Peer Avg: 3.29%
#5 of 304 Top 1.3% in 1B-3B tier
41
Fee Income Per Member
profitability
Value: $287.52
Peer Avg: $210.52
#41 of 304 Top 13.2% in 1B-3B tier
47
Return on Assets (ROA)
profitability
Value: 1.12%
Peer Avg: 0.70%
#47 of 304 Top 15.1% in 1B-3B tier
51
Efficiency Ratio
profitability
Value: 64.91%
Peer Avg: 73.97%
#51 of 304 Top 16.4% in 1B-3B tier
62
Net Interest Margin (NIM)
profitability
Value: 3.72%
Peer Avg: 3.26%
#62 of 304 Top 20.1% in 1B-3B tier
73
First Mortgage Concentration (%)
balance_sheet
Value: 22.69%
Peer Avg: 34.01%
#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (4 metrics)

298
Member Growth Rate
growth
Value: -13.02%
Peer Avg: 2.20%
#298 of 304 Bottom 2.3% in 1B-3B tier
249
Net Charge-Off Rate
risk
Value: 0.94%
Peer Avg: 0.60%
#249 of 304 Bottom 18.4% in 1B-3B tier
248
Deposit Growth Rate
growth
Value: 0.85%
Peer Avg: 5.58%
#248 of 304 Bottom 18.8% in 1B-3B tier
239
Total Loans
balance_sheet
Value: $862.29M
Peer Avg: $1.23B
#239 of 304 Bottom 21.7% in 1B-3B tier