Federal credit union · SALT LAKE CITY, Utah · NCUA charter #14917
Gibbons and Reed Employees
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $6.4M
- Total assets
- 1,097
- Members
- 13.2%
- Net-worth ratio
Gibbons and Reed Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #14917, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Gibbons and Reed Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)59
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.24% | 30% |
| Delinquency Rate | 0.52% | 25% |
| Return on Assets | 1.02% | 15% |
| Member Growth | -22.20% | 15% |
| Loan-to-Share Ratio | 31.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.4M | 1,097 |
| 2024Q4 | $6.3M | 1,410 |
| 2023Q4 | $6.1M | 1,434 |
Credit Union Details
- Charter Number
- 14917
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Utah
- City
- SALT LAKE CITY
- Data Quarter
- 2025Q4
What This Data Says About Gibbons and Reed Employees
The five-factor composite scores Gibbons and Reed Employees at 79/100 (Very Good), reflecting a net worth ratio of 13.24% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in SALT LAKE CITY, Utah, reports 1,097 members, $6.4M in total assets, and $1.6M in outstanding loans as of Q4 2025 under charter #14917 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
On loan book quality: 0.52% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 31.42% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.02% on net income of $65K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -22.20%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
- HOLLYFRONTIER EMPLOYEE'SBountiful, UT · $2M–$10M65Health
- S E ARichfield, UT · $2M–$10M98Health
- UINTAHVERNAL, UT · $2M–$10M87Health
- C U PProvo, UT · $2M–$10M97Health
- OREM CITY EMPLOYEESOREM, UT · $2M–$10M83Health
Compare Gibbons and Reed Employees vs HOLLYFRONTIER EMPLOYEE'S
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Gibbons and Reed Employees financially healthy?
Gibbons and Reed Employees has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.24% and delinquency rate of 0.52%.
How does Gibbons and Reed Employees compare to other credit unions?
Gibbons and Reed Employees scores 79/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Gibbons and Reed Employees?
Gibbons and Reed Employees 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 Gibbons and Reed Employees directly for the exact boundaries and application steps.
Is my money safe at Gibbons and Reed Employees?
Federal credit unions like Gibbons and Reed Employees 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. Gibbons and Reed Employees's net worth ratio of 13.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gibbons and Reed Employees offer compared to banks?
Credit unions like Gibbons and Reed Employees 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 Gibbons and Reed Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.