Unverified listing What this means
The Lender Report built this page from public records. Gulf Winds Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Gulf Winds Credit Union itself. Each figure shows its source and date. Work at Gulf Winds Credit Union? You can claim this page for free.
Credit union, Pensacola, FL
Gulf Winds Credit Union
A credit union based in Pensacola, FL. Its commercial book is led by C&I and owner-occupied CRE. Public files show recent 1-4 unit investor and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $30.5M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 9
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.36B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 850-479-9601 From the NCUA record, June 30, 2026.
- Website
- www.gogulfwinds.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- gogulfwinds.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- GULF WINDS; gogulfwinds.com; GWCU; Gulf Winds CreditNCUA 5300,
- Address
- 220 E Nine Mile Rd, Pensacola, FL 32534-3145NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Gulf Winds Credit Union's C&I balance rose from $985K to $16M in the quarter ended June 30, 2026. NCUA 5300,
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $0 | 0.0% | Not reported | 0 | Not reported |
| Construction and land development | $2.07M | 0.2% | Not reported | 2 | $1.03M |
| Owner-occupied CRE | $11.9M | 1.2% | Not reported | 14 | $852K |
| Non-owner-occupied CRE | $563K | 0.1% | Not reported | 3 | $188K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $16.0M | 1.6% | Not reported | 36 | $444K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $30.5M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $0 |
| Q4 2023 | $0 |
| Q1 2024 | $0 |
| Q2 2024 | $0 |
| Q3 2024 | $15.1K |
| Q4 2024 | $412K |
| Q1 2025 | $874K |
| Q2 2025 | $1.08M |
| Q3 2025 | $1.84M |
| Q4 2025 | $3.08M |
| Q1 2026 | $8.39M |
| Q2 2026 | $30.5M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 8 | $1.41M | $125K | HMDA, | |
| Real-estate-secured commercial | First half of 2026 | 9 | $13.1M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $1.7M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 7 | $10.9M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 1 | $400K | NCUA 5300, | ||
| C&I | First half of 2026 | 6 | $504K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $1.03M |
| Owner-occupied CRE | $852K |
| Non-owner-occupied CRE | $188K |
| Commercial and industrial | $444K |
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Where it lends
Offices beside loans on record
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $167M | $85.8M to $291M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $18.4M | $0 to $227M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 11.0% | 0.0% to 94.9% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $20.2M | $11.3M to $42.7M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 1.9% | 0.0% to 66.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 71.2% | 50.5% to 85.6% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| McCoy Credit Union | FL | $1.02B | $68.1M |
| First Commerce Credit Union | FL | $1.24B | $135M |
| Educational Credit Union | FL | $1.84B | $0 |
| Tyndall Credit Union | FL | $1.92B | $0 |
| Community Credit Union of Florida | FL | $1.45B | $168M |
| Ithink Financial Credit Union | FL | $2.38B | $199M |
| Usf Federal Credit Union | FL | $1.40B | $55.8M |
| We Florida Financial Credit Union | FL | $700M | $114M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Gulf Winds Credit Union, NCUA charter 68694. Compare it with the regulator's record. [NCUA profile]
- Balances. $1.36B in total assets and $30.5M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 9 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 8 loans in the HMDA file, in 2025: 8 HMDA 1-4 unit investor 2025. [How each file was tied to Gulf Winds Credit Union]
- Phone and website. Phone 850-479-9601, from the NCUA record. Website gogulfwinds.com, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 68694
- RSSD
- 613697
- LEI
- 254900N33AYNKI4VCV72
- The Lender Report ID
- lr_001196
- Main office county
- Escambia
- Members
- 75,037
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $1.4B in total assets as of June 30, 2026 (NCUA 5300).
- Held $30.5M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $16M of commercial and industrial loans as of June 30, 2026 (NCUA 5300).
- Held $11.9M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $2.1M of construction and land loans as of June 30, 2026 (NCUA 5300).
- Originated 8 1-4 unit investor or business-purpose loans totaling $1.4M in 2025 (HMDA).
2 more sentences
- Originated 9 real-estate-secured commercial loans totaling $13.1M in the first half of 2026 (NCUA 5300).
- Listed 13 offices in 2 states (NCUA).
Cite this
Source: The Lender Report, Gulf Winds Credit Union, https://lender.report/lender/gulf-winds-credit-union-fl/, data as of June 30, 2026.
Sources
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at Gulf Winds Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem