Gibbs Aluminum
Henderson, KY · Charter 18312 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
$5.2MAssets
$4.4MLoans
$3.5MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 100% of credit unions under $1B in assets (rank 7 of 1724).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets (rank 1684 of 1721).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
3.59%
Rank 7 of 1,724
Net Interest Margin
9.45%
Rank 3 of 1,723
Efficiency Ratio
62.55%
Rank 202 of 1,721
Equity / Assets
33.03%
Rank 37 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.59% | 0.25% | 0.67% | 1.13% | Beats 100% | 7 / 1,724 | |
| Return on Equity | 10.87% | 1.95% | 5.34% | 8.54% | Beats 88% | 210 / 1,723 | |
| Net Interest Margin | 9.45% | 3.03% | 3.61% | 4.27% | Beats 100% | 3 / 1,723 | |
| Efficiency Ratio | 62.55% | 69.84% | 78.36% | 87.50% | Beats 88% | 202 / 1,721 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.09% | 0.28% | 0.70% | 1.38% | Beats 2% | 1,684 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 33.03% | 10.16% | 12.41% | 16.03% | Beats 98% | 38 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 33.03% | 10.15% | 12.41% | 16.03% | Beats 98% | 37 / 1,723 | |
| Liquidity & Funding |
| Loans / Deposits | 125.29% | 55.95% | 72.66% | 85.34% | 100th pctl | 6 / 1,722 | |
| Loans / Assets | 83.10% | 47.91% | 62.00% | 72.82% | 95th pctl | 89 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |