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Overview / Commentary
200 North Pace Blvd
Pensacola, FL 32505

Gpce Credit Union is headquartered in Pensacola and is the 98th largest credit union in the state of Florida. It is also the 2,670th largest credit union in the nation. It was established in 1991 and as of December of 2013, it had grown to 13 employees and 3,624 members. Gpce Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an active or retired employee of Gulf Power Company. - See Details

Reviews (1)

GPCE Credit Union

LOVE IT! GPCE Credit Union is a wonderful credit union whose staff treats its members like a part of their own family! I love the personal attention I receive each and every time I visit. My kids even love going to the credit union. I have received several loans and never had a problem. They make it easy. Their loan officers are caring and take the time needed to assist you. I wish ALL GULF POWER EMPLOYEES would join so they could enjoy a pleasurable experience with GPCE Credit Union. They won't be sorry.  It's not like a BIG bank or credit union, where you can get lost in the "paperwork".  They are small, but can handle all my financial needs. I am very happy to a member of GPCE Credit Union.     


Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Gpce Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Gpce Credit Union had $154,000 in non-current loans and owned real-estate with $3.81 million in equity and loan loss allowances on hand to cover it. This gives Gpce Credit Union a Texas Ratio of 4.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Gpce Credit Union experienced no significant changes from 1.96% as of December 31, 2012 to 4.05% as of December 31, 2013, resulting in a negative change of 106.24%. This indicates that the balance sheet and financial strength for Gpce Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Gpce Credit Union has increased its total deposits by $3.18 million, resulting in 10.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Gpce Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Gpce Credit Union has $36.84 million in assets with $3.81 million in equity, resulting in a capitalization level of 10.33%, which is above average.

Institution Statistics

NCUA #67643
Year Chartered1991
Primary Regulator
Assets and Liabilities
Assets$36.84 million
Loans$18.47 million
Deposits$33.19 million
Equity Capital$3.66 million
Loan Loss Allowance$148,000
Unbacked Noncurrent Loans$131,000
Real Estate Owned$23,000
Historic Data - December 2012
Assets$33.39 million
Equity Capital$3.37 million
Loan Loss Allowance$95,000
Unbacked Noncurrent Loans$131,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.46%
Return on Assets0.05%
Return on Equity0.49%
Interest Income$1.11 million

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Gpce Credit Union Savings Account Rates

0.10%$25-Share Savings Account
0.10%--Christmas Club Account

Gpce Credit Union Money Market Rates

0.20%$20k-Money Market Accounts

Gpce Credit Union Checking Account Rates

0.00%--Share Draft Account

Gpce Credit Union CD Rates

0.75%$1k-36 Month CD
0.50%$1k-24 Month CD
0.25%$1k-12 Month CD

Gpce Credit Union IRA Rates

0.75%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.25%$1k-12 Month IRA

Gpce Credit Union Locations
Branch Office200 N Pace BlvdPensacola, FL 32505-7916
Branch Office9641 Holsberry RdPensacola, FL 32534-1328
Branch Office1230 E 15th St Credit Union OfficePanama City, FL 32405-6132
Branch Office1 Energy Pl Rm 129Pensacola, FL 32520-0001