GAS & ELECTRIC EMPLOYEES
Charter #65040 · mason city, IA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 365 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 48.92% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.07% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 53.27% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 | GAS & ELECTRIC EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.39M | 54th pct | 41th pct |
| Members | 365 | 31th pct | 15th pct |
| Net worth ratio | 48.92% | 97th pct | 89th pct |
| Return on average assets | 2.07% | 92th pct | 92th pct |
| Net interest margin | 4.43% | 62th pct | 44th pct |
| Cost of funds | 1.21% | 72th pct | 69th pct |
| Loan-to-share | 92.35% | 89th pct | 62th pct |
| Delinquency 60+ days | 0.88% | 52th pct | 52th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -8.83% | 33th pct | 21th pct |
| Share growth YoY | -2.04% | 34th pct | 34th pct |
| Efficiency ratio | 53.27% | 10th pct | 7th pct |
structural peer set hash: 2011f23f57c6bf307289998bd1f50e72… (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.