GTE
Charter #196 · TAMPA, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.22% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.96% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.10% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 77.29% sits at the 79th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 44th — a 24-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 | GTE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.13B | 66th pct | 62th pct |
| Members | 233,973 | 77th pct | 70th pct |
| Net worth ratio | 11.25% | 60th pct | 57th pct |
| Return on average assets | 0.22% | 10th pct | 8th pct |
| Net interest margin | 3.62% | 68th pct | 44th pct |
| Cost of funds | 1.99% | 61th pct | 57th pct |
| Loan-to-share | 94.81% | 79th pct | 80th pct |
| Delinquency 60+ days | 0.96% | 77th pct | 84th pct |
| Net charge-off ratio | 1.10% | 88th pct | 82th pct |
| Loan growth YoY | 8.07% | 93th pct | 93th pct |
| Share growth YoY | 8.43% | 88th pct | 84th pct |
| Efficiency ratio | 77.29% | 67th pct | 79th pct |
structural peer set hash: 7e6e7aafa33e556e6bd855293bb28185… (reproducible)
Closest structural peers
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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.