BlastPoint's Credit Union Scorecard
GIBBONS AND REED EMPLOYEES
Charter #14917 · UT
GIBBONS AND REED EMPLOYEES has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Members Per Employee (MPE): Top 0.9% in tier
- + AMR Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -12.8% YoY
- - Member Growth Rate: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,040
-12.8% YoY-5.2% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$6.3M
+0.0% YoY-0.8% QoQ
|
$-23.9M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$1.6M
-6.8% YoY-4.9% QoQ
|
$-13.7M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$5.2M
-1.0% YoY-1.3% QoQ
|
$-20.6M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.8%
-62.2% YoY-21.0% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
3.9%
-9.2% YoY+10.1% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
53% |
| Efficiency Ratio |
77.0%
+37.2% YoY+5.5% QoQ
|
-13.6% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
1.5%
-12.2% YoY+193.9% QoQ
|
+0.0 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
30.3%
-5.8% YoY-3.6% QoQ
|
-28.2% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.9% in tier |
| AMR |
$6,462
+11.9% YoY+3.2% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 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)