Gunnison Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Gunnison Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Gunnison, CO, established in 1911 (FDIC certificate 30388), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $102.2M, up 0.3% from Q2 2025, the 57th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.90% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30388
- Headquarters
- Gunnison, CO
- Established
- 1911
- Total assets, Q2 2026
- $102.2M
- Assets vs Q2 2025
- +0.3%
- Tier 1 leverage ratio, Q2 2026
- 12.90%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 302170340
- Latest call report
- Q2 2026, FFIEC 051 · Gunnison Savings and Loan Association call report
- Asset rank in state
- 57th of 63 in Colorado
Gunnison Savings and Loan Association spends more to run itself than most banks of its size. Its balance sheet stood at $102 million at June 30, 2026; it is based in Gunnison, Colorado. It earns about $0.27 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.10% of loans from 1.47%. Its margin is thin by comparison: it keeps 2.77 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Gunnison Savings and Loan Association reported a return on assets of 0.27%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.46%. The figures come from its call report filed with the FFIEC.
Gunnison Savings and Loan Association ranks as the 57th largest of the 63 banks based in Colorado, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $102.2M, loans rose 2.3% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 90.0% of total loans, followed by construction and land development loans at 6.1%. The FDIC Summary of Deposits lists a single office for it, in Gunnison, CO. On its Q2 2026 call report, Gunnison Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 303 N Main St, Gunnison, CO 81230
- County
- Gunnison
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $83.4M
- Allowance for credit losses
- $510K
- Net charge-offs (YTD)
- $0
- Average total assets
- $102.0M
- Average total loans
- $57.9M
- Average interest-bearing deposits
- $77.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30388
- Fed RSSD
- 388874
- Website
- www.gunnisonsl.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Gunnison Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Gunnison Savings and Loan Association's total assets ranged from $101.5M (Q4 2024) to $107.0M (Q3 2023), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$102.2M total assets against $101.9M; $89.1M total liabilities against $89.0M.
$59.8M net loans and leases against $57.9M; $83.4M total deposits against $83.1M.
$32.7M securities against $31.5M; $5.9M cash and balances due against $9.9M.
$1.2M total interest income against $973K; $481K total interest expense against $451K.
$673K net interest income against $522K.
$8K total noninterest income against $8K; $613K total noninterest expense against $554K.
No provision recorded in the last 12 quarters.
$68K net income against -$24K.
0.27% return on assets against -0.10%; 2.77% net interest margin against 2.11%.
12.90% tier 1 leverage ratio against 12.80%.
Inside the full Gunnison Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGunnison Savings and Loan Association rankings
Its closest position to the top of a national ranking is 2,981 of 3,640, for Texas Ratio; its furthest is 3,471 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.25% (Q4 2024) to 0.49% (Q4 2025) and its net interest margin ran from 1.97% (Q4 2024) to 2.77% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.90% | 0.27% | 0.10% | 0.46% | 2.77% |
| Q1 2026 | 12.91% | 0.34% | 0.12% | 0.50% | 2.64% |
| Q4 2025 | 12.76% | 0.49% | 0.74% | 3.15% | 2.64% |
| Q3 2025 | 12.69% | -0.15% | 1.44% | 6.30% | 2.28% |
| Q2 2025 | 12.80% | -0.10% | 1.47% | 6.41% | 2.11% |
| Q1 2025 | 12.90% | -0.22% | 0.24% | 1.00% | 2.01% |
| Q4 2024 | 12.48% | -0.25% | 0.17% | 0.68% | 1.97% |
| Q3 2024 | 12.49% | -0.22% | 0.17% | 0.71% | 2.07% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gunnison Savings and Loan Association (main office) | Gunnison , CO | 81230 | $83.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CO, rank 100 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gunnison Savings and Loan Association
What are Gunnison Savings and Loan Association's total assets?
As of the Q2 2026 filing, Gunnison Savings and Loan Association reported total assets of $102.2 million in its FFIEC call report.
Where is Gunnison Savings and Loan Association headquartered?
It is headquartered in Gunnison, CO, United States.
When was Gunnison Savings and Loan Association founded?
It was established in 1911, per the FDIC institution directory.
Is Gunnison Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #30388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gunnison Savings and Loan Association?
Gunnison Savings and Loan Association's primary federal regulator is the FDIC.
How many branches does Gunnison Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gunnison Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 0.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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