Gerber Federal Credit Union
Total assets
$257.8M
▲ +5.8% YoY
Shares & deposits
$231.4M
▲ +4.9% YoY
Loans
$139.1M
▲ +1.4% YoY
Members
16,105
▲ +0.6% YoY
ROA (annualized)
0.38%
peers 0.69%
ROE (annualized)
3.83%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.9% | +1.9 pts |
| Share growth (YoY) | +4.9% | +3.3% | +1.6 pts |
| Loan growth (YoY) | +1.4% | +2.9% | -1.6 pts |
| ROA | 0.38% | 0.69% | -0.3 pts |
| ROE | 3.8% | 5.9% | -2.1 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 116, Fremont, MI, 49412
- NCUA charter #
- 6832
- RSSD ID
- 760489
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $257.8M | $231.4M | $139.1M | $25.7M | $247K | 0.38% | 3.11% | 0.69% | 16,105 |
| Q4 2025 | $251.0M | $225.7M | $140.6M | $25.5M | $2.5M | 0.99% | 3.12% | 0.92% | 16,109 |
| Q3 2025 | $248.8M | $222.7M | $139.5M | $24.8M | $1.8M | 0.95% | 3.11% | 0.61% | 16,119 |
| Q2 2025 | $246.9M | $223.6M | $138.9M | $23.9M | $856K | 0.69% | 3.03% | 0.75% | 16,024 |
| Q1 2025 | $243.7M | $220.6M | $137.2M | $23.4M | $438K | 0.72% | 2.95% | 0.60% | 16,004 |
| Q4 2024 | $238.8M | $217.1M | $139.2M | $23.0M | $1.2M | 0.50% | 2.80% | 0.77% | 16,002 |
| Q3 2024 | $235.2M | $213.7M | $139.9M | $22.5M | $725K | 0.41% | 2.78% | 0.79% | 16,009 |
| Q2 2024 | $231.9M | $211.8M | $139.4M | $22.3M | $478K | 0.41% | 2.77% | 0.61% | 15,957 |
Loan mix (Q1 2026): real estate $48.2M · commercial $647K · consumer $75.7M · securities $68.5M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.69% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.62% | 20th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 78.7% | 58th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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