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Gunnison Savings and Loan Association

Gunnison, CO · Cert 30388

SL · FDIC · 1 branch

Q2 2026

$102.2MAssets
$60.3MLoans
$83.4MDeposits
$13.1MEquity
Loan mix
99%RE $58.0M0%C&I $0.0M1%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $77.6M7%Noninterest $5.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.27%, up 36 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.10% of loans (-137 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.90%, up 11 bps from a year ago.
  • Funding: loans stand at 72.26% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.27%+36 bps YoY

Net Interest Margin (quarter, annualized)

2.64%+57 bps YoY

Efficiency Ratio (quarter, annualized)

90.01%-1,451 bps YoY

Tier 1 Leverage Ratio

12.90%+11 bps YoY

NIM

3.51%Q2 ’243.85%Q2 ’254.52%Q2 ’26+5%+28%

Non-interest income vs. expense

2.25%Q2 ’242.19%Q2 ’252.40%Q2 ’26-3%+10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.22%-0.25%-0.21%-0.09%-0.15%0.48%0.34%0.27%+36 bps
Return on Equity-1.77%-1.96%-1.66%-0.74%-1.17%3.79%2.61%2.07%+281 bps
Net Interest Margin2.05%1.94%1.96%2.07%2.22%2.58%2.58%2.64%+57 bps
Efficiency Ratio110.60%112.52%110.82%104.53%97.57%81.30%86.97%90.01%-1,451 bps
Non-Interest Burden2.27%2.18%2.18%2.16%2.17%2.09%2.24%2.37%+21 bps
Growth
Asset Growth (YoY)-1.51%-0.93%-2.93%-0.77%-2.57%0.44%1.13%0.29%+106 bps
Loan Growth (YoY)5.69%2.28%3.01%7.18%6.38%6.52%5.34%3.15%-403 bps
Deposit Growth (YoY)-5.76%0.74%-0.18%2.68%-0.17%0.32%1.19%0.42%-227 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.17%0.24%1.47%1.44%0.74%0.12%0.10%-137 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.92%0.93%0.91%0.87%0.86%0.88%0.87%0.85%-3 bps
Allowance Coverage of NPLs5.3x5.5x3.8x0.6x0.6x1.2x7.5x8.1x+7.5x
Capital
Tier 1 Leverage Ratio12.49%12.48%12.90%12.80%12.69%12.76%12.91%12.90%+11 bps
Total Risk-Based Capital12.49%12.48%12.90%12.80%12.69%12.76%12.91%12.90%+11 bps
Equity / Assets12.42%12.80%12.76%12.67%12.69%12.91%12.82%12.82%+15 bps
Liquidity & Funding
Loans / Deposits66.31%66.19%67.66%70.35%70.66%70.28%70.44%72.26%+192 bps
Liquid Assets / Assets38.07%36.90%33.69%31.87%27.10%24.67%21.57%18.56%-1,331 bps
CRE / Total Capitaln/an/an/an/a24.84%32.95%43.31%n/an/a