Gunnison Savings and Loan Association
Total assets
$102.2M
▲ +0.3% YoY
Deposits
$83.4M
▲ +0.4% YoY
Loans
$59.8M
▲ +3.2% YoY
Offices
1
ROA (annualized)
0.30%
peers 1.24%
ROE (annualized)
2.34%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +3.2% | +5.6% | -2.4 pts |
| ROA | 0.30% | 1.24% | -0.9 pts |
| ROE | 2.3% | 11.9% | -9.5 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
Profile
- Established
- 1911
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Mortgage Lending Specialization
- Address
- 303 N Main St, Gunnison, CO, 81230
- County
- Gunnison
- Offices
- 1
- FDIC cert #
- 30388
- RSSD ID
- 388874
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $102.2M | $83.4M | $59.8M | $13.1M | $154K | 0.30% | 2.70% | 0.06% |
| Q1 2026 | $102.8M | $83.7M | $58.4M | $13.2M | $86K | 0.34% | 2.64% | 0.07% |
| Q4 2025 | $102.0M | $82.9M | $57.7M | $13.2M | $8K | 0.01% | 2.26% | 0.42% |
| Q3 2025 | $102.7M | $83.7M | $58.6M | $13.0M | $-116K | -0.15% | 2.13% | 0.83% |
| Q2 2025 | $101.9M | $83.1M | $57.9M | $12.9M | $-78K | -0.15% | 2.06% | 0.84% |
| Q1 2025 | $101.6M | $82.7M | $55.5M | $13.0M | $-54K | -0.21% | 2.00% | 0.13% |
| Q4 2024 | $101.5M | $82.6M | $54.2M | $13.0M | $-249K | -0.24% | 2.04% | 0.09% |
| Q3 2024 | $105.4M | $83.9M | $55.1M | $13.1M | $-185K | -0.24% | 2.04% | 0.09% |
Loan mix (Q2 2026): real estate $59.4M · commercial $0 · consumer $852K · securities $32.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.96% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 62.9% | 93th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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