Federal credit union · SALT LAKE CITY, Utah · NCUA charter #14917
Gibbons and Reed Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $6.4M
- Total assets
- 1,097
- Members
- 17.9%
- Net-worth ratio
Gibbons and Reed Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.4M; members 1,097; net-worth ratio 17.92%; health rank #2,822 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,822 of 4,374 health · 2025Q4Gibbons and Reed Employees · health 79/100 · $6.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gibbons and Reed Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Gibbons and Reed Employees sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Where Gibbons and Reed Employees diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.29 pp (0.52% vs 1.81%).
- Largest lag: Loan-to-Share Ratio at 31.42% vs peer 63.60% (-32.18 pp).
Gibbons and Reed Employees in Utah
- Utah health ordinal: #35 of 53.
- Utah assets place: #44 of 53.
- Utah membership ordinal: #42 of 53.
- One place up in Utah, Beckstrand and Associates (#34) scores 80/100, 1 point higher; one place down, DESERTVIEW (#36) scores 78/100, 1 point lower.
How Gibbons and Reed Employees's 5300 filing moved
Gibbons and Reed Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $6.4M (2025Q4) to $6.3M (2026Q1).
- Net-worth ratio shifted +0.35 pp (17.57% → 17.92%).
17.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Gibbons and Reed Employees gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.92% | -1.14 pp |
| Delinquency Rate | 0.52% | -1.29 pp |
| Return on Assets | 1.02% | +0.57 pp |
| Member Growth | -22.20% | - |
| Loan-to-Share Ratio | 31.42% | -32.18 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Gibbons and Reed Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.3M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Gibbons and Reed Employees runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Warm Springs (Main Office) | Salt Lake City, UT |
| Granite SLC | Salt Lake City, UT |
| Granite WHO | West Haven, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$10M99Health
- OREM CITY EMPLOYEESOREM, UT · $2M–$10M83Health
Compare Gibbons and Reed Employees vs HOLLYFRONTIER EMPLOYEE'S
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Gibbons and Reed Employees ranks #2,822 of 4,374 nationally on financial health and #35 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hollyfrontier Employee's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hollyfrontier Employee's
Frequently Asked Questions
Is Gibbons and Reed Employees financially healthy?
Gibbons and Reed Employees has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,822 of 4,374 nationally on health and #35 of 53 in Utah. Its net worth ratio is 17.92% and its delinquency rate 0.52%.
How does Gibbons and Reed Employees compare to other credit unions?
Gibbons and Reed Employees scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.52% vs 1.81%). Its widest shortfall is loan-to-share ratio (31.42% vs 63.60%).
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?
Gibbons and Reed Employees 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. Gibbons and Reed Employees's net worth ratio of 17.92% 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.