PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gesb Sheet Metal Workers

Portage, IN · Charter 13974

NCUA · 1 branch

Q2 2026

$11.8MAssets
$7.8MLoans
$10.5MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.90%, up 14 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.00% of loans (-15 bps YoY).
  • Capital: net worth / assets of 11.10%, up 33 bps from a year ago.
  • Funding: loans stand at 74.69% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.90%+14 bps YoY

Net Interest Margin (quarter, annualized)

4.53%-5 bps YoY

Efficiency Ratio (quarter, annualized)

74.57%-280 bps YoY

Net Worth / Assets

11.10%+33 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%0.96%0.85%0.76%0.99%1.09%0.27%0.90%+14 bps
Return on Equity12.15%9.45%7.97%7.04%9.08%9.82%2.45%8.11%+107 bps
Net Interest Margin4.24%4.21%4.55%4.58%4.50%4.54%4.56%4.53%-5 bps
Efficiency Ratio73.37%71.15%80.01%77.37%75.63%74.22%79.72%74.57%-280 bps
Growth
Asset Growth (YoY)-5.85%-0.15%-3.50%-3.56%1.46%1.45%5.06%8.15%+1,171 bps
Loan Growth (YoY)3.34%0.79%-2.87%-3.99%-0.84%2.59%5.59%15.78%+1,977 bps
Share Growth (YoY)-7.29%-0.86%-4.51%-4.43%1.05%0.36%4.54%7.69%+1,212 bps
Asset Quality
Delinquent Loans / Loans1.45%0.79%0.16%0.15%0.02%0.40%0.40%0.00%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.23%10.18%10.66%10.76%10.86%11.12%11.09%11.10%+33 bps
Net Worth / Assets10.23%10.18%10.66%10.76%10.86%11.12%11.09%11.10%+33 bps
Liquidity & Funding
Loans / Shares70.74%67.54%68.68%69.47%69.42%69.04%69.38%74.69%+522 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps