GALLUP
Charter #23292 | NE
<100M
(2596 CUs)
Micro
($0-$500M)
34 <100M in NE
GALLUP has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.46% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.4% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.56% above tier (higher cost structure)
- - Member decline: -17.0% YoY
- - Member Growth Rate: Bottom 2.3% in tier
- - Deposit Growth Rate: Bottom 2.3% in tier
- - Asset Growth Rate: Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,577
-17.0% YoY-15.0% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
42nd in tier |
| Assets |
$15.7M
-12.9% YoY-13.6% QoQ
|
$-14.2M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
42nd in tier |
| Loans |
$12.0M
-16.2% YoY-3.9% QoQ
|
$-3.8M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
55th in tier |
| Deposits |
$12.7M
-16.3% YoY-16.2% QoQ
|
$-12.7M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
42nd in tier |
| ROA |
0.8%
-13.8% YoY+17.6% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
54th in tier |
| NIM |
4.4%
+2.0% YoY+0.3% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
70th in tier |
| Efficiency Ratio |
87.0%
+4.4% YoY-1.6% QoQ
|
+5.6% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
71st in tier |
| Delinquency Rate |
0.1%
-31.7% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 23.2% in tier |
| Loan To Share |
93.9%
+0.2% YoY+14.7% QoQ
|
+32.7% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 8.1% in tier |
| AMR |
$15,656
+0.9% YoY+5.2% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
61st in tier |
| CD Concentration |
11.4%
+117.3% YoY+26.6% QoQ
|
-13.0% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
115
Fee Income Per Member
profitability
Value:
$229.48
Peer Avg: $182.96
#115 of 2596
Top 4.4% in <100M tier
207
Loan-to-Share Ratio
balance_sheet
Value:
93.90%
Peer Avg: 61.23%
#207 of 2596
Top 7.9% in <100M tier
546
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,582
Peer Avg: $5,488
#546 of 2596
Top 21.0% in <100M tier
603
Total Delinquency Rate (60+ days)
risk
Value:
0.13%
Peer Avg: 1.51%
#603 of 2596
Top 23.2% in <100M tier
Top Weaknesses (5 metrics)
2537
Member Growth Rate
growth
Value:
-17.00%
Peer Avg: 14.92%
#2537 of 2596
Bottom 2.3% in <100M tier
2537
Deposit Growth Rate
growth
Value:
-16.35%
Peer Avg: 16.80%
#2537 of 2596
Bottom 2.3% in <100M tier
2518
Asset Growth Rate
growth
Value:
-12.90%
Peer Avg: 1.82%
#2518 of 2596
Bottom 3.0% in <100M tier
2341
Loan Growth Rate
growth
Value:
-16.19%
Peer Avg: 59.01%
#2341 of 2596
Bottom 9.9% in <100M tier
2002
First Mortgage Concentration (%)
balance_sheet
Value:
27.28%
Peer Avg: 14.49%
#2002 of 2596
Bottom 22.9% in <100M tier