Gesa

RICHLAND, WA · 2 · Charter #68278 · www.gesa.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.5B
92th percentile
Members
315,416
89th percentile
Total loans
$5.1B
93th percentile
Total shares
$5.2B
91th percentile

Profitability

Return on assets
0.85%
40th percentile
Net interest margin
3.20%
50th percentile
Efficiency ratio
51.71%
50th percentile
Non-interest income ratio
15.94%
31th percentile

Capital & Risk

Net worth ratio
9.51%
21th percentile
Delinquency rate
0.67%
57th percentile
Net charge-off rate
0.60%
38th percentile
Loan-to-share
97.75%
75th percentile

Growth

Member growth YoY
8.10%
91th percentile
Asset growth YoY
15.76%
93th percentile
Loan growth YoY
12.48%
87th percentile
Share growth YoY
19.14%
95th percentile

Operations

Members / branch
7,169
44th percentile
Assets / member
$20,661
71th percentile
Field of membership penetration
2.52%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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