Gesa Credit Union
Total assets
$6.72B
▲ +14.6% YoY
Shares & deposits
$5.59B
▲ +16.3% YoY
Loans
$5.27B
▲ +16.4% YoY
Members
319,322
▲ +8.7% YoY
ROA (annualized)
0.87%
peers 0.71%
ROE (annualized)
9.31%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Gesa Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.6% | +5.1% | +9.5 pts |
| Share growth (YoY) | +16.3% | +4.9% | +11.4 pts |
| Loan growth (YoY) | +16.4% | +5.4% | +11.0 pts |
| ROA | 0.87% | 0.71% | +0.2 pts |
| ROE | 9.3% | 6.3% | +3.0 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 51 Gage Blvd, Richland, WA, 99352
- NCUA charter #
- 68278
- RSSD ID
- 389086
- 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 | $6.72B | $5.59B | $5.27B | $626.2M | $14.6M | 0.87% | 3.37% | 0.69% | 319,322 |
| Q4 2025 | $6.52B | $5.40B | $5.10B | $619.7M | $40.8M | 0.63% | 3.20% | 0.67% | 315,416 |
| Q3 2025 | $6.41B | $5.32B | $4.89B | $614.2M | $35.3M | 0.73% | 3.15% | 0.58% | 312,875 |
| Q2 2025 | $6.45B | $5.39B | $4.83B | $598.8M | $19.9M | 0.62% | 2.97% | 0.51% | 306,709 |
| Q1 2025 | $5.86B | $4.81B | $4.52B | $588.4M | $9.5M | 0.65% | 3.15% | 0.42% | 293,650 |
| Q4 2024 | $5.63B | $4.59B | $4.54B | $587.2M | $34.9M | 0.62% | 3.02% | 0.57% | 291,793 |
| Q3 2024 | $5.57B | $4.53B | $4.44B | $580.8M | $28.5M | 0.68% | 2.99% | 0.61% | 291,761 |
| Q2 2024 | $5.54B | $4.51B | $4.35B | $568.3M | $16.0M | 0.58% | 2.95% | 0.53% | 290,486 |
Loan mix (Q1 2026): real estate $1.78B · commercial $1.33B · consumer $2.04B · securities $368.4M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Gesa Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.71% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 6.3% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.32% | 54th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 73.0% | 34th | |
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 | Gesa Credit Union | 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 | Gesa Credit Union | 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 | Gesa Credit Union | 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 | Gesa Credit Union | 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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