Gunnison Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 59.52 percentage points higher than in Q1 2026, at 809.52%. Gunnison Savings and Loan Association has the 6th lowest return on assets of the 63 banks headquartered in Colorado, at 0.27% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Gunnison Savings and Loan Association reported 0.27% on return on assets in Q2 2026, 0.98 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.90% |
| Equity capital to assets | 12.82% |
| Tangible equity to tangible assets | 12.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.46% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 809.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.27% |
| Return on equity | 2.07% |
| Net interest margin | 2.77% |
| Efficiency ratio | 89.87% |
| Yield on earning assets | 4.75% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.26% |
| Core deposits to total deposits | 93.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.62% |
| Securities to assets | 32.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.50% | 0.05% | 2.13% | 0.26% | 0.00% |
| Q4 2023 | 12.86% | -0.31% | 1.98% | 0.24% | 0.00% |
| Q1 2024 | 12.59% | -0.23% | 1.94% | 0.23% | 0.00% |
| Q2 2024 | 12.71% | -0.26% | 2.00% | 0.21% | 0.00% |
| Q3 2024 | 12.49% | -0.22% | 2.07% | 0.17% | 0.00% |
| Q4 2024 | 12.48% | -0.25% | 1.97% | 0.17% | 0.00% |
| Q1 2025 | 12.90% | -0.22% | 2.01% | 0.24% | 0.00% |
| Q2 2025 | 12.80% | -0.10% | 2.11% | 1.47% | 0.00% |
| Q3 2025 | 12.69% | -0.15% | 2.28% | 1.44% | 0.00% |
| Q4 2025 | 12.76% | 0.49% | 2.64% | 0.74% | 0.00% |
| Q1 2026 | 12.91% | 0.34% | 2.64% | 0.12% | 0.00% |
| Q2 2026 | 12.90% | 0.27% | 2.77% | 0.10% | 0.00% |
Gunnison Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gunnison Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gunnison Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30388) · FFIEC NIC profile (RSSD 388874)