BlastPoint's Credit Union Scorecard
GIBBONS AND REED EMPLOYEES
Charter #14917 · UT
GIBBONS AND REED EMPLOYEES has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.8% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -22.2% YoY
- - Member Growth Rate: Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,097
-22.2% YoY+0.3% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$6.4M
+0.8% YoY-5.5% QoQ
|
$-23.8M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$1.6M
-14.0% YoY-3.1% QoQ
|
$-14.1M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$5.2M
-0.3% YoY-6.4% QoQ
|
$-20.5M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
24% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-2.0% YoY-39.0% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
3.5%
-15.5% YoY-9.6% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
73.0%
+10.2% YoY+17.8% QoQ
|
-9.6% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.5%
-58.7% YoY+2.8% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
31.4%
-13.8% YoY+3.5% QoQ
|
-29.2% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.2% in tier |
| AMR |
$6,262
+23.4% YoY-5.9% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)