PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gesa

Richland, WA · Charter 68278

NCUA · 44 branches

Q2 2026

$6.8BAssets
$5.4BLoans
$5.7BShares
$635.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, up 8 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.84% of loans (+33 bps YoY).
  • Capital: net worth / assets of 9.32%, up 4 bps from a year ago.
  • Funding: loans stand at 95.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+38 bps YoY

Efficiency Ratio (YTD, annualized)

67.08%-303 bps YoY

Net Worth / Assets

9.32%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.73%0.63%0.87%0.70%+8 bps
Return on Equity6.65%7.67%6.58%9.31%7.50%+85 bps
Net Interest Margin2.97%3.15%3.20%3.37%3.36%+38 bps
Efficiency Ratio70.12%70.19%72.97%68.53%67.08%-303 bps
Growth
Asset Growth (YoY)16.51%15.16%15.76%14.64%5.69%-1,083 bps
Loan Growth (YoY)11.11%10.06%12.48%16.41%11.96%+85 bps
Share Growth (YoY)19.50%17.43%17.76%16.29%5.43%-1,407 bps
Asset Quality
Delinquent Loans / Loans0.51%0.58%0.67%0.69%0.84%+33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.28%9.58%9.51%9.32%9.32%+4 bps
Net Worth / Assets9.28%9.58%9.51%9.32%9.32%+4 bps
Liquidity & Funding
Loans / Shares89.63%91.93%94.44%94.19%95.19%+556 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps