BlastPoint's Banking Scorecard
Gunnison Savings and Loan Association
Micro
Specialty: Mortgage
CO
FDIC cert 30388
Designations: ✓ Community bank ✓ Mutual
Gunnison, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Gunnison Savings and Loan Association faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.08% below tier
- - Net Interest Margin 1.59% below tier
- - Efficiency Ratio 29.63% above tier
- - Non-Interest-Bearing Deposit Share 15.59% below tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$102.0M
+0.4% YoY
-0.7% QoQ
|
-$115.5M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$57.7M
+6.6% YoY
-1.6% QoQ
|
-$81.5M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$82.9M
+0.3% YoY
-1.0% QoQ
|
-$100.8M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.01%
+103.3% YoY
+105.2% QoQ
|
-1.08% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.26%
+10.7% YoY
+6.3% QoQ
|
-1.59% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
97.36%
-13.0% YoY
-6.4% QoQ
|
+29.63% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.74%
+338.5% YoY
-48.8% QoQ
|
+0.11% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
69.67%
+6.2% YoY
-0.5% QoQ
|
-4.86% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
6.80%
-21.7% YoY
-14.2% QoQ
|
-15.59% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.42%
+365.4% YoY
-49.2% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.03%
+5.8% YoY
+22.3% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.01%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.26%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.36%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.80%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
38
38th pctile
Loan-to-Deposit Ratio
Current: 69.67% · Tier avg: 74.53%
36
36th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.64%
24
24th pctile
Total Loans
Current: $57.7M · Tier avg: $139.2M
23
23th pctile
Total Assets
Current: $102.0M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $82.9M · Tier avg: $183.7M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.80% · Tier avg: 22.39%
6
6th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 97.36% · Tier avg: 67.73%
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.85%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.85%
6
6th pctile
Efficiency Ratio
Current: 97.36% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.08%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.80% · Tier avg: 22.39%
23
23th pctile
Total Deposits
Current: $82.9M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $102.0M · Tier avg: $217.5M
24
24th pctile
Total Loans
Current: $57.7M · Tier avg: $139.2M
36
36th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.64%
38
38th pctile
Loan-to-Deposit Ratio
Current: 69.67% · Tier avg: 74.53%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%