GECU
Charter #24941 · El Paso, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 444,307 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.46% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.36% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.52% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.99% sits at the 84th percentile of structural peers — worth a closer look.
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 | GECU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.66B | 79th pct | 75th pct |
| Members | 444,307 | 92th pct | 90th pct |
| Net worth ratio | 13.46% | 86th pct | 90th pct |
| Return on average assets | 1.36% | 88th pct | 82th pct |
| Net interest margin | 4.52% | 96th pct | 92th pct |
| Cost of funds | 1.85% | 53th pct | 52th pct |
| Loan-to-share | 98.17% | 86th pct | 80th pct |
| Delinquency 60+ days | 0.99% | 77th pct | 84th pct |
| Net charge-off ratio | 1.24% | 93th pct | 84th pct |
| Loan growth YoY | 3.21% | 68th pct | 62th pct |
| Share growth YoY | 5.70% | 72th pct | 66th pct |
| Efficiency ratio | 62.74% | 18th pct | 18th pct |
structural peer set hash: 3e6a63da47108ce7bbb6c4c6e8f548a1… (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.