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
- BOOK 79/100
- CHARTER 17.9%
- NCUSIF 0.52%
- CAMELS 1.02%
- HEALTH $6.4M
- NW 1,097
- DELQ #2,822/4,374
- ROA n/a
- ASSETS 14917
Call Report peers
Gibbons and Reed Employees carries $6.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Gibbons and Reed Employees in Utah
- Utah health ordinal: #35 of 53.
- Utah assets place: #44 of 53.
- Utah membership ordinal: #42 of 53.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Gibbons and Reed Employees's 5300 filing moved
Gibbons and Reed Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $6.4M (2025Q4) to $6.3M (2026Q1).
- Net-worth ratio shifted +0.35 pp (17.57% → 17.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Gibbons and Reed Employees's nationwide photo peers by assets and by health score, excluding Utah charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,822 of 4,374; by total assets it ranks #3,775 of 4,374 nationally (same basis as /rankings/largest); and #44 of 53 within Utah. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.92% 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 17.92% 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.
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.