Gecu
El Paso, TX · Charter 24941 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
$4.7BAssets
$3.9BLoans
$3.9BShares
$626.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions $1B-$10B in assets (rank 17 of 435).
- Widest gap: nonperforming loans / loans trails 72% of credit unions $1B-$10B in assets (rank 313 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.38%
Rank 58 of 435
Net Interest Margin
4.49%
Rank 17 of 435
Efficiency Ratio
62.16%
Rank 81 of 435
Equity / Assets
13.22%
Rank 82 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.55% | 0.81% | 1.14% | Beats 87% | 58 / 435 | |
| Return on Equity | 10.45% | 5.12% | 7.41% | 9.70% | Beats 81% | 83 / 435 | |
| Net Interest Margin | 4.49% | 3.01% | 3.39% | 3.75% | Beats 96% | 17 / 435 | |
| Efficiency Ratio | 62.16% | 65.25% | 71.39% | 77.86% | Beats 82% | 81 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.45% | 0.69% | 1.05% | Beats 28% | 313 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.22% | 9.81% | 10.84% | 12.63% | Beats 81% | 82 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.22% | 9.81% | 10.84% | 12.63% | Beats 81% | 82 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 100.04% | 78.33% | 88.38% | 95.61% | 85th pctl | 66 / 435 | |
| Loans / Assets | 81.39% | 67.69% | 74.58% | 80.80% | 78th pctl | 97 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |