Federal credit union · El Paso, Texas · NCUA charter #24941
GECU
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $4.58B
- Total assets
- 441,513
- Members
- 13.5%
- Net-worth ratio
GECU scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.58B; members 441,513; net-worth ratio 13.46%; health rank #2,261 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,261 of 4,374 health · 2025Q4GECU · health 83/100 · $4.58B · 2025Q4
Call Report peers
GECU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GECU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GECU sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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
Where GECU diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 103.08% vs peer 83.90% (+19.18 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.43 pp (1.30% vs 0.87%).
GECU in Texas
- Texas health ordinal: #206 of 386.
- Assets rank #8 of 386 inside Texas ($4.58B reported).
- Membership ranks #4 of 386 among Texas CUs with a reported count (441,513 members).
- One place up in Texas, DOCHES (#205) ties at 83/100; one place down, RANDOLPH-BROOKS (#207) ties at 83/100.
GECU: 2025Q4 → 2026Q1
GECU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $4.58B (2025Q4) to $4.66B (2026Q1).
- Net-worth ratio shifted +0.17 pp (13.29% → 13.46%).
This credit union's 13.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
GECU gives up 17 points in total. Delinquency Rate costs the most, 7.2 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.46% | +2.28 pp |
| Delinquency Rate | 1.30% | +0.43 pp |
| Return on Assets | 1.08% | +0.58 pp |
| Member Growth | 1.24% | - |
| Loan-to-Share Ratio | 103.08% | +19.18 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.66B | - |
| 2025Q4 | $4.58B | 441,513 |
| 2024Q4 | $4.34B | 436,123 |
| 2023Q4 | $4.42B | 431,245 |
Credit Union Details
- Charter Number
- 24941
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Texas
- City
- El Paso
- Data Quarter
- 2025Q4
Branch Locations (24)
The NCUA branch filing lists 24 physical offices for GECU, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| OPS Campus (Main Office) | El Paso, TX |
| Viscount | El Paso, TX |
| VDS II | El Paso, TX |
| Rojas | El Paso, TX |
| Ysleta | El Paso, TX |
| Montwood | El Paso, TX |
| Yarbrough | El Paso, TX |
| Oregon | El Paso, TX |
| Sean Haggerty | El Paso, TX |
| Doniphan | El Paso, TX |
| Lee Trevino | El Paso, TX |
| Rich Beem | El Paso, TX |
| Mesa Hills | El Paso, TX |
| Helen of Troy | El Paso, TX |
| Piedras | El Paso, TX |
| Dyer | El Paso, TX |
| GECU Mortgage at CareFree Town Center | El Paso, TX |
| Cohen | El Paso, TX |
| GECU Community Development | El Paso, TX |
| Rojas and Eastlake | El Paso, TX |
| Eastlake | Horizon City, TX |
| GECU Mortgage | Las Cruces, NM |
| Las Cruces - Rinconada | Las Cruces, NM |
| Socorro II | Socorro, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near GECU
Using this data
- GECU ranks #2,261 of 4,374 nationally on financial health and #206 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EECU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EECU
Frequently Asked Questions
Is GECU financially healthy?
GECU has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,261 of 4,374 nationally on health and #206 of 386 in Texas. Its net worth ratio is 13.46% and its delinquency rate 1.30%.
How does GECU compare to other credit unions?
GECU scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (103.08% vs 83.90%). Its widest shortfall is delinquency rate (1.30% vs 0.87%).
How can I join GECU?
GECU operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact GECU directly for the exact boundaries and application steps.
Is my money safe at GECU?
GECU is a federal 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. GECU's net worth ratio of 13.46% 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.