GALLUP
Charter #23292 · OMAHA, NE · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 43rd — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GALLUP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.26M | 25th pct | 21th pct |
| Members | 1,412 | 22th pct | 34th pct |
| Net worth ratio | 17.95% | 76th pct | 57th pct |
| Return on average assets | 0.74% | 55th pct | 57th pct |
| Net interest margin | 3.89% | 52th pct | 51th pct |
| Cost of funds | 1.69% | 82th pct | 61th pct |
| Loan-to-share | 89.57% | 94th pct | 72th pct |
| Delinquency 60+ days | 0.30% | 36th pct | 41th pct |
| Net charge-off ratio | 0.00% | 23th pct | 23th pct |
| Loan growth YoY | -0.47% | 67th pct | 43th pct |
| Share growth YoY | 4.35% | 69th pct | 70th pct |
| Efficiency ratio | 87.66% | 69th pct | 66th pct |
structural peer set hash: 287b64a1a21b90619d65f52658891c3a… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.