GULF STATES CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.gulfstatescu.org for more information.
Sep, 30, 2025 — GULF STATES CREDIT UNION is a federally insured state chartered credit union headquartered in MAITLAND, FL with 1 branch location and about $37.34 million in total assets. Opened 66 years ago in 1960, GULF STATES CREDIT UNION has about 2,969 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GULF STATES CREDIT UNION |
|---|---|
| Address: (Main Office) | P.O. BOX 945110 MAITLAND, FL 32794-5110 |
| Phone: | (407) 831-8844 |
| Fax: | (407) 831-7757 |
| Website: | https://www.gulfstatescu.org |
| Branches: | 1 branch locations |
| Members: | 2,969 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68412 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1960 |
| Last Audited: | Jun 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $37,338,630 |
| CEO/Manager: | Gary E Teramae |
| Chairperson: | Patricia A Daoust |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 12,920,110 |
| TOTAL INVESTMENTS | 12,547,985 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 4,393,713 |
| Unsecured Loans | 773,011 |
| Other Loans | 5,554,983 |
| TOTAL LOANS | 10,721,707 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -99,415 |
| Land And Building | 657,305 |
| Other Fixed Assets | 11,401 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 284,670 |
| All Other Assets | 294,867 |
| TOTAL ASSETS | 37,338,630 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 131,642 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 7,630,028 |
| Regular shares | 17,758,216 |
| All Other Shares & Deposits | 6,897,333 |
| TOTAL SHARES & DEPOSITS | 32,285,577 |
| TOTAL LIABILITIES | 32,417,219 |
| Regular Reserve | 702,342 |
| Other Reserves | 0 |
| Undivided Earnings | 4,219,069 |
| TOTAL EQUITY | 4,921,411 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 37,338,630 |
| INCOME & EXPENSE | |
| Loan Income | 595,657 |
| Investment Income | 198,572 |
| Other Income | 152,264 |
| Total Employee Compensation & Benefits | 465,342 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 567,077 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 16,900 |
| Cost of Funds | 21,068 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 13,631 |
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