Gallup Federal Credit Union
Omaha, NE·Charter 23292·cu:23292·Credit union RBC / net worth
- #35 of 50Total assets in Nebraska
- 1,412members
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Gallup Federal Credit Union
10 of 22 FORFI signals stand out against 2478 similar credit unions, based on NCUA data for the quarter.
Balances growing as membership shrinksWorth a look: Membership FORFI signal-23.9%peers -1.4%-22.6 pp
Gallup Federal Credit Union lost members faster than similar credit unions, while loans grew faster than peers.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| -23.9% | -1.4% | -22.6 pp |
| Loans, 12-month growth | ||
| +19.1% | -2.6% | +21.7 pp |
With internal data, FORFI would look at: Which member segments are going inactive, and how many products each active member holds.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Gallup Federal Credit Union itself is left out of every peer median and percentile. How signals work
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter1.54%peers 0.91%+63 bps
Gallup Federal Credit Union's cost of shares and deposits has not eased the way it has at similar credit unions, while deposit growth trailed similar institutions.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 1.54% | 0.91% | +63 bps |
| Shares and deposits, 12-month growth | ||
| -12.2% | +0.9% | -13.2 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Gallup Federal Credit Union itself is left out of every peer median and percentile. How signals work
Lending outpacing share growthWorth a look: Liquidity FORFI signal+19.1%peers -2.6%+21.7 pp
Gallup Federal Credit Union's loans grew faster than at similar credit unions while its shares and deposits grew more slowly, so each new loan leans harder on other funding.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +19.1% | -2.6% | +21.7 pp |
| Shares and deposits, 12-month growth | ||
| -12.2% | +0.9% | -13.2 pp |
With internal data, FORFI would look at: Which borrowers keep their deposits elsewhere, and how much funding existing relationships could bring.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Gallup Federal Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar credit unionsWorth a look: Earnings-0.76%peers 0.56%-132 bps
Gallup Federal Credit Union's noninterest income relative to average assets was -0.76%, compared with a median of 0.56% among 2477 similar credit unions: the lowest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| -0.76% | 0.56% | -132 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Gallup Federal Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling while the peer median risesStrength: Efficiency67.9%peers 79.8%-11.9 pp
Gallup Federal Credit Union's efficiency ratio fell 22.5 percentage points over the past year to 67.9%. Among 2444 similar credit unions, the median rose 2.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 67.9% | 79.8% | -11.9 pp |
| 12-month change | ||
| -22.5 pp | +2.6 pp | -25.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Gallup Federal Credit Union itself is left out of every peer median and percentile. How signals work
5 more observations
- Lending absorbing more of the share base as cash fallsLiquidity
- Membership shrinking faster than peersMembership
- Loans growing while the peer median shrinksLending
- Share and deposit costs rising while the peer median holds steadyFunding
- Shares and deposits shrinking while the peer median growsFunding
Key facts
- Gallup Federal Credit Union is a federally chartered credit union headquartered in Omaha, Nebraska. It reported $16.4 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $13.3 million, down 12.2% from a year earlier, and loans totaled $14.8 million, up 19.1%.
- Its net interest margin on average assets was 4.50% and its annualized return on assets was 1.22% for the quarter.
- Its cost of all shares and deposits was 1.54%, compared with a median of 0.91% among 2475 similar credit unions with under $100 million in assets.
- It served 1,412 members, down 23.9% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Gallup Federal Credit Union's own data, FORFI would look at: Which member segments are going inactive, and how many products each active member holds.
Analysis workspaces
Sources and identifiers
- Institution
- Gallup Federal Credit Union · Credit union
- NCUA charter
- 23292
- Reporting period
- Peer group
- 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Gallup Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $49.83K | |
| $234.84K | |
| $51.46K | |
| $183.38K | |
| -$30.88K | |
| $103.47K | |
| -$805 | |
| -$805 | |
| 1.22% | |
| 4.50% | |
| 67.85% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.