Gas & Electric Employees
Mason City, IA · Charter 65040 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$4.5MAssets
$2.2MLoans
$2.3MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of credit unions under $1B in assets (rank 8 of 1683).
- Widest gap: nonperforming loans / loans trails 95% of credit unions under $1B in assets (rank 1606 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.95%
Rank 87 of 1,683
Net Interest Margin
4.21%
Rank 505 of 1,683
Efficiency Ratio
53.68%
Rank 98 of 1,682
Equity / Assets
48.08%
Rank 8 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.95% | 0.35% | 0.74% | 1.18% | Beats 95% | 87 / 1,683 | | |
| Return on Equity | 4.05% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,083 / 1,681 | | |
| Net Interest Margin | 4.21% | 3.31% | 3.82% | 4.32% | Beats 70% | 505 / 1,683 | | |
| Efficiency Ratio | 53.68% | 68.91% | 78.20% | 86.93% | Beats 94% | 98 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.12% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,606 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 48.08% | 10.44% | 12.89% | 16.53% | Beats 100% | 8 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 48.08% | 10.44% | 12.89% | 16.53% | Beats 100% | 8 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.52% | 52.61% | 69.38% | 83.50% | 93rd pctl | 120 / 1,683 | | |
| Loans / Assets | 48.90% | 44.71% | 59.18% | 70.72% | 32nd pctl | 1,148 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |