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
Call Report peers
GALLUP in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); GALLUP sits in 80-84 with 767 others.
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: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 95.89% vs peer 59.80% (+36.09 pp).
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.
- One place up in Nebraska, Nebraska Energy (#25) scores 83/100, 1 point higher; one place down, Spirit of America (#27) ties at 82/100.
How GALLUP's 5300 filing moved
GALLUP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.8% from $15.2M (2025Q4) to $16.3M (2026Q1).
- Net-worth ratio shifted -1.02 pp (18.97% → 17.95%).
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
GALLUP gives up 18 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is GALLUP financially healthy?
GALLUP has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,390 of 4,374 nationally on health and #26 of 50 in Nebraska. Its net worth ratio is 17.95% and its delinquency rate 0.00%.
How does GALLUP compare to other credit unions?
GALLUP scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (95.89% vs 59.80%).
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?
GALLUP is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.