BlastPoint's Credit Union Scorecard
GALLUP
Charter #23292 · NE
GALLUP has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 0.61% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.0% in tier
- + Loan-to-Share Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.72% above tier (higher cost structure)
- - Member decline: -22.3% YoY
- - Deposit Growth Rate: Bottom 1.4% in tier
- - Asset Growth Rate: Bottom 1.5% in tier
- - Member Growth Rate: Bottom 1.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,472
-22.3% YoY-6.7% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$15.2M
-17.0% YoY-2.8% QoQ
|
$-14.9M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$11.7M
-14.5% YoY-1.8% QoQ
|
$-4.0M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$12.2M
-21.4% YoY-3.9% QoQ
|
$-13.4M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
0.8%
-23.8% YoY-4.8% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
4.6%
+3.6% YoY+3.7% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
88.3%
+7.0% YoY+1.5% QoQ
|
+5.7% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
95.9%
+8.8% YoY+2.1% QoQ
|
+35.3% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 6.1% in tier |
| AMR |
$16,289
+5.3% YoY+4.0% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
12.5%
+138.7% YoY+8.8% QoQ
|
-12.0% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 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)