Gesa
Richland, WA · Charter 68278 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 44 branches
Q2 2026
$6.8BAssets
$5.4BLoans
$5.7BShares
$635.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 69% of credit unions $1B-$10B in assets (rank 138 of 435).
- Widest gap: equity / assets trails 84% of credit unions $1B-$10B in assets (rank 367 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.70%
Rank 272 of 435
Net Interest Margin
3.36%
Rank 230 of 435
Efficiency Ratio
67.08%
Rank 138 of 435
Equity / Assets
9.32%
Rank 367 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 37% | 272 / 435 | | |
| Return on Equity | 7.50% | 5.12% | 7.41% | 9.70% | Beats 50% | 216 / 435 | | |
| Net Interest Margin | 3.36% | 3.01% | 3.39% | 3.75% | Beats 47% | 230 / 435 | | |
| Efficiency Ratio | 67.08% | 65.25% | 71.39% | 77.86% | Beats 69% | 138 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.45% | 0.69% | 1.05% | Beats 37% | 273 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.32% | 9.81% | 10.84% | 12.63% | Beats 16% | 367 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.32% | 9.81% | 10.84% | 12.63% | Beats 16% | 367 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.19% | 78.33% | 88.38% | 95.61% | 75th pctl | 110 / 435 | | |
| Loans / Assets | 79.29% | 67.69% | 74.58% | 80.80% | 67th pctl | 143 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |