Gibbons and Reed Employees

SALT LAKE CITY, UT · 1 · Charter #14917 · www.grcreditunion.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.4M
30th percentile
Members
1,097
40th percentile
Total loans
$1.6M
20th percentile
Total shares
$5.2M
32th percentile

Profitability

Return on assets
1.21%
68th percentile
Net interest margin
3.64%
37th percentile
Efficiency ratio
59.28%
66th percentile
Non-interest income ratio
15.06%
69th percentile

Capital & Risk

Net worth ratio
17.57%
64th percentile
Delinquency rate
0.52%
57th percentile
Net charge-off rate
-0.14%
96th percentile
Loan-to-share
31.42%
13th percentile

Growth

Member growth YoY
-22.20%
1th percentile
Asset growth YoY
0.78%
48th percentile
Loan growth YoY
-14.05%
14th percentile
Share growth YoY
-0.33%
44th percentile

Operations

Members / branch
366
17th percentile
Assets / member
$5,792
22th percentile
Field of membership penetration
21.94%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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