GULF WINDS Credit Union Profile

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GULF WINDS

Charter #68694 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (850) 479-9601

Fax: (850) 479-5830

Founding Date: N/A

Website: https://www.gogulfwinds.com

Personnel & Operations

President: Fritchman, Bill

Manager: Souers, Daniel

FT Employees: 234

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 12

Hours: 7AM-5PM MON-FRI

Credit Union Profile Summary

GULF WINDS is a FISCU Credit Union. With a total of 72,771 members ^[1], this institution manages approximately $1,213,151,574 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.26% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.27% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,213,151,574

Total economic resources.

Total Loans ^[1]

$863,698,847

Total value of outstanding loans.

Total Deposits ^[1]

$1,080,442,155

Total funds deposited by members.

Members ^[1]

72,771

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.26%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.11%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

79.94%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 2.67%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 8.27%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -12.33%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

220 E NINE MILE RD

PENSACOLA, FL, 32534-3145

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 14 branches reported by GULF WINDS (Charter #68694).

Main Office

Administration Building Main Office

Type: Corporate Office

220 E Nine Mile Rd

Pensacola, FL 32534-3145

Phone: (850) 479-9601

Services: None specified

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Additional Branches

Atmore

Atmore Branch

Type: Branch Office

201 S Main St

Atmore, AL 36502-2447

Phone: (850) 479-9601

Services: Member Services, ATM, Drive-Thru

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Brewton

Brewton Branch

Type: Branch Office

2580 Douglas Ave

Brewton, AL 36426-3552

Phone: (850) 479-9601

Services: Member Services, ATM, Drive-Thru

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Kerry Forest

Type: Branch Office

2906 Kerry Forest Pkwy

Tallahassee, FL 32309-6824

Phone: (850) 479-9601

Services: Member Services, ATM, Drive-Thru

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Mahan

Type: Branch Office

1447 Mahan Dr

Tallahassee, FL 32308

Phone: (850) 479-9601

Services: Member Services, ATM, Drive-Thru

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Monroe St

Type: Branch Office

133 N Monroe St

Tallahassee, FL 32301

Phone: (850) 479-9601

Services: Member Services

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