GESB SHEET METAL WORKERS
Charter #13974 · PORTAGE, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 1.27% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 44th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GESB SHEET METAL WORKERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.37M | 6th pct | 30th pct |
| Members | 2,011 | 46th pct | 52th pct |
| Net worth ratio | 11.09% | 27th pct | 30th pct |
| Return on average assets | 0.27% | 30th pct | 33th pct |
| Net interest margin | 4.58% | 80th pct | 61th pct |
| Cost of funds | 0.60% | 39th pct | 33th pct |
| Loan-to-share | 69.38% | 69th pct | 44th pct |
| Delinquency 60+ days | 0.40% | 41th pct | 34th pct |
| Net charge-off ratio | 1.27% | 89th pct | 89th pct |
| Loan growth YoY | 1.47% | 80th pct | 82th pct |
| Share growth YoY | 1.52% | 40th pct | 33th pct |
| Efficiency ratio | 79.72% | 48th pct | 52th pct |
structural peer set hash: 7ba87c85dfd1d7eecbffb8def0a212fe… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.