Gibbons and Reed Employees
Salt Lake City, UT · Charter 14917 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
$6.5MAssets
$1.6MLoans
$5.3MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 63% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 9 of 24).
- Widest gap: nonperforming loans / loans trails 78% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 19 of 23).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.86%
Rank 9 of 24
Net Interest Margin
3.76%
Rank 10 of 24
Efficiency Ratio
73.85%
Rank 11 of 24
Equity / Assets
17.65%
Rank 11 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.41% | 0.67% | 1.12% | Beats 63% | 9 / 24 | | |
| Return on Equity | 4.89% | 2.16% | 5.02% | 6.69% | Beats 46% | 13 / 24 | | |
| Net Interest Margin | 3.76% | 3.10% | 3.61% | 4.01% | Beats 58% | 10 / 24 | | |
| Efficiency Ratio | 73.85% | 71.14% | 80.00% | 84.92% | Beats 58% | 11 / 24 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.46% | 0.07% | 0.54% | 1.38% | Beats 22% | 19 / 23 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.65% | 10.05% | 16.75% | 21.42% | Beats 54% | 11 / 24 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.65% | 10.05% | 16.75% | 21.42% | Beats 54% | 11 / 24 | | |
| Liquidity & Funding |
| Loans / Deposits | 30.85% | 42.86% | 62.34% | 82.18% | 13th pctl | 20 / 23 | | |
| Loans / Assets | 25.36% | 32.11% | 55.16% | 70.89% | 17th pctl | 20 / 24 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |