Federal credit union · OMAHA, Nebraska · NCUA charter #23292
GALLUP
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $15.2M
- Total assets
- 1,472
- Members
- 17.9%
- Net-worth ratio
GALLUP scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.2M; members 1,472; net-worth ratio 17.95%; health rank #2,390 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,390 of 4,374 health · 2025Q4GALLUP · health 82/100 · $15.2M · 2025Q4
- NCUSIF 82/100
- CAMELS 17.9%
- HEALTH 0.00%
- NW 1.27%
- DELQ $15.2M
- ROA 1,472
- ASSETS #2,390/4,374
- MEM Four Corners
- RANK 23292
Call Report peers
GALLUP in the assets neighbourhood
GALLUP's $15.2M assets sit next to Four Corners ($15.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GALLUP vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
GALLUP - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #23292: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
GALLUP: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 95.89% vs peer 59.80% (+36.09 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where GALLUP sits in Nebraska
- In Nebraska, health place is #26 of 50 on the same NCUA-ratio sort used nationally.
- Assets rank #35 of 50 inside Nebraska ($15.2M reported).
- Member book place in Nebraska: #38 of 50.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How GALLUP's 5300 filing moved
GALLUP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.8% from $15.2M (2025Q4) to $16.3M (2026Q1).
- Net-worth ratio shifted -1.02 pp (18.97% → 17.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 17.95%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.0 pts
Call Report ratios for GALLUP
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.95% | +3.09 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.27% | +0.56 pp |
| Member Growth | -22.32% | - |
| Loan-to-Share Ratio | 95.89% | +36.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
GALLUP quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.3M | - |
| 2025Q4 | $15.2M | 1,472 |
| 2024Q4 | $18.3M | 1,895 |
| 2023Q4 | $19.3M | 1,946 |
Credit Union Details
- Charter Number
- 23292
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Nebraska
- City
- OMAHA
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, GALLUP runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Gallup FCU (Main Office) | Omaha, NE |
| Gallup Riverfront - 1st Floor Operations | Omaha, NE |
| CO-OP Shared Branching | Tampa, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
A look at other Nebraska credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near GALLUP
Two NCUA Call Report peer sets for GALLUP, both outside Nebraska so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- GALLUP ranks #2,390 of 4,374 nationally on financial health and #26 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northeast Nebraska is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northeast Nebraska
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is GALLUP financially healthy?
A 17.95% net worth ratio and a 0.00% delinquency rate feed into GALLUP's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,390 of 4,374; by total assets it ranks #3,322 of 4,374 nationally (same basis as /rankings/largest); and #35 of 50 within Nebraska. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does GALLUP compare to other credit unions?
On PlainCU's health composite, GALLUP lands at 82/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join GALLUP?
GALLUP operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact GALLUP directly for the exact boundaries and application steps.
Is my money safe at GALLUP?
Federal credit unions like GALLUP are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. GALLUP's net worth ratio of 17.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GALLUP offer compared to banks?
Credit unions like GALLUP are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact GALLUP directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.