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
- CHARTER 88/100
- NCUSIF 48.9%
- CAMELS 0.91%
- HEALTH 1.38%
- NW $4.3M
- DELQ 373
- ROA #1,364/4,374
- ASSETS n/a
- MEM 65040
Call Report peers
Gas & Electric Employees carries $4.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Gas & Electric Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65040, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Gas & Electric Employees's 5300 filing moved
Gas & Electric Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $4.3M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted -0.27 pp (49.19% → 48.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Gas & Electric Employees, both outside Iowa so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Gas & Electric Employees financially healthy?
A 48.92% net worth ratio and a 0.91% delinquency rate feed into Gas & Electric Employees's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,364 of 4,374; by total assets it ranks #3,945 of 4,374 nationally (same basis as /rankings/largest); and #60 of 66 within Iowa. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Gas & Electric Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Gas & Electric Employees's 88/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Gas & Electric Employees are 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."
What rates does Gas & Electric Employees offer compared to banks?
Credit unions like Gas & Electric Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Gas & Electric Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.