Charter 68694 · Pensacola, FL
Gulf Winds Credit Union
Gulf Winds Credit Union is a state-chartered credit union in Pensacola, Florida, with $1.36 billion in assets and 74,541 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.90%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as gogulfwinds.com, GWCU.
- Total assets
- $1.36 billion
- +12.5% in a year
- Members
- 74,541
- +2.4% in a year
- Net worth ratio
- 9.90%
- Peer median 10.79%
- Loans 60+ days late
- 0.44%
- Peer median 0.67%
- Loans outstanding
- $970 million
- +12.3% in a year
- Shares and deposits
- $1.22 billion
- +12.8% in a year
- Branches
- 12
- 250 employees
- Opened
- 1954
- Florida charter
How Gulf Winds Credit Union compares
NCUA groups credit unions by size; Gulf Winds Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.90% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.44%, is lower than the group median of 0.67%. Loans grew 12.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 24 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.36 billion | 74,541 | $970 million | 9.90% | 0.44% |
| Q1 2026 | $1.33 billion | 74,184 | $920 million | 9.93% | 0.53% |
| Q4 2025 | $1.25 billion | 73,515 | $877 million | 10.31% | 0.78% |
| Q3 2025 | $1.24 billion | 72,992 | $862 million | 10.37% | 0.59% |
| Q2 2025 | $1.21 billion | 72,771 | $864 million | 10.27% | 0.65% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 6.4 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 13 sites for Gulf Winds Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Nine Mile Branch
220 E Nine Mile Rd, Pensacola, FL 32534 - Atmore Branch
201 S Main St, Atmore, AL 36502 - Blue Angel Branch
5996 N Blue Angel Pkwy, Pensacola, FL 32526 - Creighton Branch
1444 Creighton Rd, Pensacola, FL 32504 - Gulf Breeze Branch
1300 Shoreline Dr, Gulf Breeze, FL 32561 - Milton Branch
5850 Highway 90, Milton, FL 32583 - Brewton Branch
2580 Douglas Ave, Brewton, AL 36426 - Administration Building (main office)
220 E Nine Mile Rd, Pensacola, FL 32534 - Garden St Branch
400 W Garden St, Pensacola, FL 32502 - Crawfordville
11 Preston Cir, Crawfordville, FL 32327 - Mahan
1447 Mahan Dr, Tallahassee, FL 32308 - Monroe St
133 N Monroe St, Tallahassee, FL 32301 - Monroeville Branch
456 S Alabama Ave, Monroeville, AL 36460
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology