Gerber

Fremont, MI · 1 · Charter #6832 · www.gerberfcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$251.0M
0th percentile
Members
16,109
12th percentile
Total loans
$140.6M
4th percentile
Total shares
$225.7M
4th percentile

Profitability

Return on assets
1.20%
66th percentile
Net interest margin
3.12%
29th percentile
Efficiency ratio
56.49%
62th percentile
Non-interest income ratio
23.94%
77th percentile

Capital & Risk

Net worth ratio
10.15%
38th percentile
Delinquency rate
0.92%
32th percentile
Net charge-off rate
0.32%
59th percentile
Loan-to-share
62.30%
16th percentile

Growth

Member growth YoY
0.67%
52th percentile
Asset growth YoY
5.13%
50th percentile
Loan growth YoY
1.00%
33th percentile
Share growth YoY
3.95%
43th percentile

Operations

Members / branch
5,370
64th percentile
Assets / member
$15,581
45th percentile
Field of membership penetration
32.22%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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