GULF WINDS
State-Chartered • PENSACOLA, Florida • Est. 1954
Quick Facts
- Charter Number
- #68694
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- PENSACOLA, Florida 32534-3145
- Address
- 220 E NINE MILE RD
- Branches
- 13
- ATMs
- 10
- Members
- 73,515
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
73,515 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GULF WINDS |
|---|---|
| Total Assets | $1.3B |
| Members | 73,515 |
| Loans Outstanding | $876.7M |
| Shares & Deposits | $1.1B |
| Net Worth | $129.2M |
| Net Worth Ratio | 10.31% |
| Loan-to-Share Ratio | 78.4% |
| Delinquency Rate | 0.78% |
| Net Income | +$21,629,075 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
13 locations · 10 ATMs
Nine Mile Branch
220 E Nine Mile Rd
Pensacola, FL 32534
Atmore Branch
201 S Main St
Atmore, AL 36502-2447
Blue Angel Branch
5996 N Blue Angel Pkwy
Pensacola, FL 32526-1612
Creighton Branch
1444 Creighton Rd
Pensacola, FL 32504
Gulf Breeze Branch
1300 Shoreline Dr
Gulf Breeze, FL 32561
Who Can Join GULF WINDS?
Membership Type: Community
Membership eligibility for GULF WINDS may vary. Contact the credit union directly to confirm qualification requirements.
Contact GULF WINDS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. GULF WINDS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, GULF WINDS has 73,515 members and a potential membership field of 6,356,579 people.
GULF WINDS's net worth ratio is 10.31% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.3%, GULF WINDS meets this threshold.
GULF WINDS operates 13 branch locations and has access to 10 ATMs. The main office is located at 220 E Nine Mile Rd, Pensacola, FL 32534-3145.
GULF WINDS was established in 1954. It is a state-chartered credit union chartered under charter number 68694. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GULF WINDS. All financial data is for informational purposes only.