State credit union · mason city, Iowa · NCUA charter #65040
Gas & Electric Employees
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $4.3M
- Total assets
- 373
- Members
- 48.9%
- Net-worth ratio
Gas & Electric Employees scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.3M; members 373; net-worth ratio 48.92%; health rank #1,364 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,364 of 4,374 health · 2025Q4Gas & Electric Employees · health 88/100 · $4.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gas & Electric Employees vs every NCUA-scored credit union
Gas & Electric Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Gas & Electric Employees
- Loan-to-Share Ratio leads the peer set - 99.29% here, 63.60% peer average (+35.69 pp).
Where Gas & Electric Employees sits in Iowa
- Iowa health ordinal: #25 of 66.
- Assets rank #60 of 66 inside Iowa ($4.3M reported).
- Iowa membership ordinal: #62 of 66.
- One place up in Iowa, 5 Star Community (#24) scores 89/100, 1 point higher; one place down, Industrial Employees (#26) scores 87/100, 1 point lower.
How Gas & Electric Employees's 5300 filing moved
Gas & Electric Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $4.3M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted -0.27 pp (49.19% → 48.92%).
At 48.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Gas & Electric Employees gives up 12 points in total. Loan-to-Share Ratio costs the most, 4.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.9 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 10.5 pts
Gas & Electric Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 48.92% | +29.86 pp |
| Delinquency Rate | 0.91% | -0.90 pp |
| Return on Assets | 1.38% | +0.93 pp |
| Member Growth | 2.19% | - |
| Loan-to-Share Ratio | 99.29% | +35.69 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Gas & Electric Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.4M | - |
| 2025Q4 | $4.3M | 373 |
| 2024Q4 | $4.4M | 365 |
| 2023Q4 | $4.6M | 366 |
Credit Union Details
- Charter Number
- 65040
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Iowa
- City
- mason city
- Data Quarter
- 2025Q4
Branch Location
Gas & Electric Employees operates a single office in mason city, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Gas & electric Employees Credit Union (Main Office) | mason city, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
- DUBUQUE POSTAL EMPLOYEESDUBUQUE, IA · $2M–$10M87Health
- BURLINGTON MUNICIPAL EMPLOYEESBurlington, IA · $2M–$10M82Health
- DES MOINES FIRE DEPARTMENTDES MOINES, IA · $2M–$10M92Health
- LEE COUNTYKEOKUK, IA · $2M–$10M94Health
- POLK COUNTYDES MOINES, IA · $2M–$10M81Health
Compare Gas & Electric Employees vs DUBUQUE POSTAL EMPLOYEES
Other-state peers near Gas & Electric Employees
Similar health score
Using this data
- Gas & Electric Employees ranks #1,364 of 4,374 nationally on financial health and #25 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dubuque Postal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dubuque Postal Employees
Frequently Asked Questions
Is Gas & Electric Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Gas & Electric Employees scores 88/100 (Excellent), with a 48.92% net worth ratio and 0.91% of loans delinquent. It ranks #1,364 of 4,374 nationally on health and #25 of 66 in Iowa.
How does Gas & Electric Employees compare to other credit unions?
Gas & Electric Employees scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (99.29% vs 63.60%).
How can I join Gas & Electric Employees?
Membership eligibility for Gas & Electric Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Gas & Electric Employees directly for current membership requirements and application steps.
Is my money safe at Gas & Electric Employees?
Gas & Electric Employees is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Gas & Electric Employees's net worth ratio of 48.92% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.