Gunnison Savings and Loan Association
Gunnison, CO · Cert 30388 · Peer group: banks under $1B in assets (n=581-629)
SL · FDIC · 1 branch
Q2 2026
$102.2MAssets
$60.3MLoans
$83.4MDeposits
$13.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: net interest margin trails 88% of banks under $1B in assets (rank 555 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.30%
Rank 546 of 629
Net Interest Margin
2.60%
Rank 555 of 629
Efficiency Ratio
88.52%
Rank 543 of 629
Equity / Assets
12.82%
Rank 192 of 629
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 14% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.60% | 1.01% | 1.45% | Beats 13% | 546 / 629 | |
| Return on Equity | 2.35% | 5.38% | 9.30% | 13.28% | Beats 13% | 547 / 629 | |
| Net Interest Margin | 2.60% | 3.03% | 3.54% | 4.05% | Beats 12% | 555 / 629 | |
| Efficiency Ratio | 88.52% | 58.35% | 67.79% | 79.08% | Beats 14% | 543 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.46% | 1.20% | Beats 73% | 158 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.90% | 11.24% | 13.84% | 18.77% | Beats 42% | 364 / 629 | |
| Total Risk-Based Capital Ratio | 12.90% | 11.58% | 14.43% | 19.66% | Beats 37% | 394 / 629 | |
| Equity / Assets | 12.82% | 9.09% | 10.65% | 13.80% | Beats 69% | 192 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 72.26% | 67.24% | 80.90% | 93.48% | 34th pctl | 394 / 594 | |
| Loans / Assets | 58.98% | 53.31% | 67.71% | 78.15% | 33rd pctl | 424 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |