Credit union · NCUA insured
Gulf Winds Credit Union
A $1.3B credit union, the 374th largest of 4,329, headquartered in Pensacola, FL, with 74,184 members and 12 branches in 2 states. Best rates: CDs 4.21% and savings 0.40% APY.
Gulf Winds Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#7 of 18 in Pensacola, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gulf Winds Credit Union
Founded in 1954, Gulf Winds Credit Union is a member-owned not-for-profit credit union.
The credit union serves 75 counties across Florida, Alabama, and Georgia.
- Headquarters
- 220 E Nine Mile Rd, Pensacola, FL 32534-3145
- NCUA charter
- 68694
Branches
12 branches in 2 states
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Florida
9 branches
Pensacola area · 6
- Gulf Breeze Branch1300 Shoreline Dr, Gulf Breeze, FL 32561Directions
- Milton Branch5850 Highway 90, Milton, FL 32583Directions
- Blue Angel Branch5996 N Blue Angel Pkwy, Pensacola, FL 32526Directions
- Creighton Branch1444 Creighton Rd, Pensacola, FL 32504Directions
- Garden St Branch400 W Garden St, Pensacola, FL 32502Directions
- Nine Mile Branch220 E Nine Mile Rd, Pensacola, FL 32534Directions
Tallahassee area · 3
- Crawfordville11 Preston Cir, Crawfordville, FL 32327Directions
- Mahan1447 Mahan Dr, Tallahassee, FL 32308Directions
- Monroe St133 N Monroe St, Tallahassee, FL 32301Directions
Alabama
3 branches
Atmore area · 1
- Atmore Branch201 S Main St, Atmore, AL 36502Directions
Brewton area · 1
- Brewton Branch2580 Douglas Ave, Brewton, AL 36426Directions
Monroeville area · 1
- Monroeville Branch456 S Alabama Ave, Monroeville, AL 36460Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.90% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.44% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.95% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalNet worth ratio9.90%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.44%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.95%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Gulf Winds Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.