Federal credit union · Fremont, Michigan · NCUA charter #6832
GERBER
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $251.0M
- Total assets
- 16,109
- Members
- 10.0%
- Net-worth ratio
GERBER scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $251.0M; members 16,109; net-worth ratio 9.98%; health rank #1,315 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,315 of 4,374 health · 2025Q4GERBER · health 89/100 · $251.0M · 2025Q4
- DELQ 89/100
- ROA 10.0%
- ASSETS 0.92%
- MEM 0.48%
- RANK $251.0M
- PHOTO 16,109
- BOOK #1,315/4,374
- CHARTER United Southeast
- NCUSIF 6832
Call Report peers
GERBER in the assets neighbourhood
GERBER's $251.0M assets sit next to United Southeast ($251.0M) 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.
GERBER 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
89 Top 31% higher than 69% 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
GERBER - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6832 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
GERBER vs $100M–$500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.90 pp (62.30% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for GERBER
- Health composite ranks #59 of 171 among scored Michigan credit unions.
- By total assets, GERBER is #71 of 171 in Michigan.
- Michigan membership ordinal: #76 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GERBER: 2025Q4 → 2026Q1
GERBER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $251.0M (2025Q4) to $257.8M (2026Q1).
- Net-worth ratio shifted -0.17 pp (10.15% → 9.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.8 pts
- Return on Assets 14.7 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 13.7 pts
GERBER vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -2.13 pp |
| Delinquency Rate | 0.92% | +0.02 pp |
| Return on Assets | 0.48% | -0.14 pp |
| Member Growth | 0.67% | - |
| Loan-to-Share Ratio | 62.30% | -9.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
GERBER filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $257.8M | - |
| 2025Q4 | $251.0M | 16,109 |
| 2024Q4 | $238.8M | 16,002 |
| 2023Q4 | $225.8M | 15,837 |
Credit Union Details
- Charter Number
- 6832
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Fremont
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, GERBER runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Fremont, MI |
| Main Street Branch | Fremont, MI |
| Newaygo Branch | Newaygo, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for GERBER
Cross-state asset and health neighbours for GERBER - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($251.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- GERBER ranks #1,315 of 4,374 nationally on financial health and #59 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community West
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 GERBER financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - GERBER's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,315 of 4,374; by total assets it ranks #1,138 of 4,374 nationally (same basis as /rankings/largest); and #71 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.98% net worth ratio and 0.92% delinquency rate are the key drivers.
How does GERBER compare to other credit unions?
PlainCU's health composite puts GERBER at 89/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 GERBER?
GERBER 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 GERBER directly for the exact boundaries and application steps.
Is my money safe at GERBER?
Federal credit unions like GERBER 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. GERBER's net worth ratio of 9.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GERBER offer compared to banks?
Credit unions like GERBER 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 GERBER 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.