Gecu

El Paso, TX · 1 · Charter #24941 · www.gecu-ep.org
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
$4.6B
81th percentile
Members
441,513
96th percentile
Total loans
$3.7B
86th percentile
Total shares
$3.6B
80th percentile

Profitability

Return on assets
2.20%
97th percentile
Net interest margin
4.49%
98th percentile
Efficiency ratio
49.87%
58th percentile
Non-interest income ratio
24.39%
84th percentile

Capital & Risk

Net worth ratio
12.97%
82th percentile
Delinquency rate
1.30%
15th percentile
Net charge-off rate
1.12%
9th percentile
Loan-to-share
104.32%
89th percentile

Growth

Member growth YoY
1.24%
37th percentile
Asset growth YoY
5.39%
48th percentile
Loan growth YoY
9.70%
76th percentile
Share growth YoY
10.69%
85th percentile

Operations

Members / branch
14,717
91th percentile
Assets / member
$10,363
2th percentile
Field of membership penetration
8.58%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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