BlastPoint's Banking Scorecard
Gunnison Savings and Loan Association
Designations: ✓ Mutual
Gunnison, CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits +0.4% year over year ($83.4M on the books).
- Delinquency rate 0.11%.
- Return on assets 0.30%.
- Efficiency ratio 88.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 71.65% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Gunnison Savings and Loan Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 4.7% in tier
- - Return on Assets 1.02% below tier average
- - Net Interest Margin 1.29% below tier average
- - Efficiency Ratio 24.04% above tier average
- - Non-Interest-Bearing Deposit Share 14.97% below tier average
- - Non-Interest Income / Assets 0.55% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$102.2M
+0.3% YoY
-0.5% QoQ
|
-$284.3M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.5% in tier |
| Total Loans ? |
$59.8M
+3.2% YoY
+2.3% QoQ
|
-$198.6M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.7% in tier |
| Total Deposits ? |
$83.4M
+0.4% YoY
-0.3% QoQ
|
-$243.3M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.3% in tier |
| Return on Assets ? |
0.30%
+296.2% YoY
-10.4% QoQ
|
-1.02% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.5% in tier |
| Net Interest Margin ? |
2.70%
+31.1% YoY
+1.9% QoQ
|
-1.29% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.7% in tier |
| Efficiency Ratio ? |
88.52%
-17.7% YoY
+1.8% QoQ
|
+24.04% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate ? |
0.11%
-92.9% YoY
-9.4% QoQ
|
-0.81% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
71.65%
+2.8% YoY
+2.6% QoQ
|
-6.30% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
7.06%
+7.0% YoY
+9.3% QoQ
|
-14.97% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-92.7% YoY
-6.8% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
12.90%
+0.8% YoY
-0.0% QoQ
|
-3.01% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.01%
-6.9% YoY
+134.6% QoQ
|
-0.55% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 1.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
7.1%
+0.5pp YoY +0.6pp QoQ |
-15.1pp | 22.1% | 23.5% | 22.2% | 5% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 8.4% | 12.5% | n/a |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
90.8%
-4.0pp YoY +1.2pp QoQ |
+58.1pp | 32.6% | 33.0% | 31.3% | 98% |
| Consumer |
1.4%
+0.3pp YoY 0.0pp QoQ |
-2.7pp | 4.1% | 3.9% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
12.9%
+0.1pp YoY 0.0pp QoQ |
+0.7pp | 12.2% | 12.5% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
-1 (-6.7%) YoY -2 (-12.5%) QoQ |
-45 | 58 | 107 | 482 | 3% |
| Assets per Employee ($) |
$7.3M
+7.5% YoY +13.7% QoQ |
-$216K | $7.5M | $7.8M | $8.8M | 58% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual |
0.1%
-1.4pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 19% |
| Allowance Coverage |
8.10x
+1266.7% YoY +7.9% QoQ |
-16.06x | 24.15x | 12.16x | 20.23x | 79% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.3%
+3.5pp YoY -0.3pp QoQ |
-9.9pp | 12.2% | 9.7% | 11.6% | 7% |
| Cost of Funds (YTD) |
1.9%
+0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 66% |
| Net Income ($, YTD) |
$154,000
+297.4% YoY — QoQ |
-$2.4M | $2.6M | $5.4M | $40.4M | 5% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.