BlastPoint's Banking Scorecard
Gunnison Savings and Loan Association
Designations: ✓ Mutual
Gunnison, CO
Gunnison Savings and Loan Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 10.5% in tier
- - Return on Assets 0.93% below tier average
- - Net Interest Margin 1.29% below tier average
- - Efficiency Ratio 21.68% above tier average
- - Non-Interest-Bearing Deposit Share 15.56% below tier average
- - Non-Interest Income / Assets 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$102.8M
+1.1% YoY
+0.8% QoQ
|
-$283.3M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.1% in tier |
| Total Loans ? |
$58.4M
+5.4% YoY
+1.2% QoQ
|
-$197.3M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.5% in tier |
| Total Deposits ? |
$83.7M
+1.2% YoY
+1.0% QoQ
|
-$244.3M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.2% in tier |
| Return on Assets ? |
0.34%
+258.0% YoY
|
-0.93% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.9% in tier |
| Net Interest Margin ? |
2.64%
+32.5% YoY
+16.9% QoQ
|
-1.29% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio ? |
86.97%
-21.5% YoY
-10.7% QoQ
|
+21.68% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate ? |
0.12%
-52.2% YoY
-84.4% QoQ
|
-0.77% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
69.83%
+4.2% YoY
+0.2% QoQ
|
-6.81% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
6.46%
-12.8% YoY
-5.0% QoQ
|
-15.56% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.1% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-50.2% YoY
-84.3% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
12.91%
+0.1% YoY
+1.2% QoQ
|
-2.92% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.01%
-15.2% YoY
-82.5% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.1% in tier |
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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.