Gibbons and Reed Employees Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.8 and a net worth ratio of 16.8. A current level of 0.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.7 has resulted in Excellent (9.0) profitability. Excellent liquidity 8.1, driven by a liquidity ratio of 89.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (21%), other (79%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1000 North Warm Springs Road
Salt Lake City, UT 84116
Salt Lake City, UT 84116
Phone Number
(801) 322-4010
NCUA Charter Number
Website
Largest Competitors
Salt Lake City, UT
Salt Lake City, UT
Salt Lake City, UT
Salt Lake City, UT
Salt Lake City, UT