Gesb Sheet Metal Workers

PORTAGE, IN · 1 · Charter #13974 · www.gesbfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$11.3M
45th percentile
Members
2,040
67th percentile
Total loans
$6.9M
54th percentile
Total shares
$10.0M
48th percentile

Profitability

Return on assets
1.36%
74th percentile
Net interest margin
4.54%
70th percentile
Efficiency ratio
68.06%
47th percentile
Non-interest income ratio
12.66%
61th percentile

Capital & Risk

Net worth ratio
11.12%
24th percentile
Delinquency rate
0.40%
62th percentile
Net charge-off rate
0.06%
66th percentile
Loan-to-share
69.25%
62th percentile

Growth

Member growth YoY
6.64%
95th percentile
Asset growth YoY
1.45%
52th percentile
Loan growth YoY
2.59%
72th percentile
Share growth YoY
0.12%
48th percentile

Operations

Members / branch
2,040
79th percentile
Assets / member
$5,526
20th percentile
Field of membership penetration
60.00%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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