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
- NCUSIF 83/100
- CAMELS 13.5%
- HEALTH 1.30%
- NW 1.08%
- DELQ $4.58B
- ROA 441,513
- ASSETS #2,261/4,374
- MEM BLAZE
- RANK 24941
Call Report peers
GECU in the assets neighbourhood
GECU's $4.58B assets sit next to BLAZE ($4.58B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
GECU - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24941, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GECU: 2025Q4 → 2026Q1
GECU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $4.58B (2025Q4) to $4.66B (2026Q1).
- Net-worth ratio shifted +0.17 pp (13.29% → 13.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
GECU's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.58B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 GECU financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, GECU carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,261 of 4,374; by total assets it ranks #104 of 4,374 nationally (same basis as /rankings/largest); and #8 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.46% net worth ratio and a 1.30% delinquency rate.
How does GECU compare to other credit unions?
Five weighted metrics from NCUA filings produce GECU's 83/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 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?
Federal credit unions like GECU 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. GECU's net worth ratio of 13.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GECU offer compared to banks?
Credit unions like GECU 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 GECU 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.