Gulf Winds Rated 5-Stars for 96 Consecutive Quarters

BauerFinancial, the Nation’s Premier Bank and Credit Union Rating Firm, is proud to announce that Gulf Winds has once again secured its highest, 5-Star rating. (A five-star rating indicates this credit union excels in areas of capital adequacy, profitability, asset quality and much more.) Earning and maintaining this top 5-Star rating for 96 consecutive quarters, Gulf Winds has also procured a “Top 10%” designation. This means that Gulf Winds has maintained Bauer’s highest rating consistently for longer than 90% of the industry.

Like Bauer, regulators agree that smaller institutions “are often better positioned than larger institutions to understand and quantify local real estate market values since they serve a smaller, more defined market area.” – Federal Register, April 9, 2018. “It makes perfect sense; with a well-defined field of membership (FOM), people who know the FOM are making decisions based on that knowledge”, agrees Karen L. Dorway, president of BauerFinancial. “Credit unions, like Gulf Winds Federal, use that information to build a better future together with their members.”

Established in 1954, Gulf Winds has been investing in the future of its membership for 64 years. Today it operates through conveniently located offices throughout the Pensacola and Tallahassee regions of Florida as well as in Alabama. Gulf Winds is a member of the NCUA and an Equal Housing Lender.



BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays BauerFinancial to rate it, nor can any choose to be excluded. Consumers may obtain free star-ratings by visiting