GESA
Charter #68278 · RICHLAND, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 319,322 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.32% sits at the 11th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 43rd — a 18-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 | GESA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.72B | 89th pct | 87th pct |
| Members | 319,322 | 86th pct | 77th pct |
| Net worth ratio | 9.32% | 18th pct | 11th pct |
| Return on average assets | 0.88% | 63th pct | 54th pct |
| Net interest margin | 3.43% | 55th pct | 49th pct |
| Cost of funds | 2.00% | 61th pct | 43th pct |
| Loan-to-share | 94.19% | 77th pct | 72th pct |
| Delinquency 60+ days | 0.69% | 57th pct | 46th pct |
| Net charge-off ratio | 0.59% | 57th pct | 46th pct |
| Loan growth YoY | 7.76% | 92th pct | 95th pct |
| Share growth YoY | 5.16% | 66th pct | 57th pct |
| Efficiency ratio | 68.53% | 35th pct | 44th pct |
structural peer set hash: 979c72fa994f39ff851194351ccb4828… (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.