Garland County Educators

HOT SPRINGS, AR · 1 · Charter #18814 · www.gcefcuhotsprings.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
$5.3M
26th percentile
Members
729
27th percentile
Total loans
$3.2M
32th percentile
Total shares
$4.4M
27th percentile

Profitability

Return on assets
0.64%
42th percentile
Net interest margin
6.38%
97th percentile
Efficiency ratio
53.31%
78th percentile
Non-interest income ratio
4.58%
32th percentile

Capital & Risk

Net worth ratio
17.29%
63th percentile
Delinquency rate
3.36%
13th percentile
Net charge-off rate
3.05%
3th percentile
Loan-to-share
72.25%
66th percentile

Growth

Member growth YoY
-1.22%
52th percentile
Asset growth YoY
2.62%
60th percentile
Loan growth YoY
-18.22%
8th percentile
Share growth YoY
2.39%
61th percentile

Operations

Members / branch
365
17th percentile
Assets / member
$7,256
33th percentile
Field of membership penetration
29.16%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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