Gulf Winds
Gulf Winds is a credit union based in Pensacola, Florida, established in 1954, with $1.3 billion in total assets serving 74,184 members. By Trust Grade it ranks 69th of 107 credit unions we track in Florida. Its net worth ratio of 9.9% trails most similarly sized credit unions (30th percentile), versus a Florida median of 11.1%. It was profitable over the most recent period, with a 0.85% return on assets. No consumer complaints against Gulf Winds appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Gulf Winds compares to Florida peers
How we graded Gulf Winds
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.9% capital ratio)
- Profitable (ROA 0.85%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Gulf Winds over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Gulf Winds insured?
Yes. Gulf Winds is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Gulf Winds: frequently asked questions
Is Gulf Winds a good credit union?
Gulf Winds earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (9.9% capital ratio); Profitable (ROA 0.85%).
Is Gulf Winds NCUA-insured?
Yes. Gulf Winds is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Gulf Winds?
Gulf Winds holds $1.3 billion in total assets, ranking 69th of 107 credit unions we track in Florida. It serves 74,184 members.
Does Gulf Winds have CFPB complaints?
No CFPB complaints against Gulf Winds appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
