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
Call Report peers
GERBER in the assets neighbourhood
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
GERBER sits in the busiest band, 85-89, alongside 857 other credit unions.
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 vs $100M–$500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.90 pp (62.30% vs 72.20%).
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.
- One place up in Michigan, MUSKEGON (#58) ties at 89/100; one place down, Michigan One Community (#60) ties at 89/100.
GERBER: 2025Q4 → 2026Q1
GERBER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $251.0M (2025Q4) to $257.8M (2026Q1).
- Net-worth ratio shifted -0.17 pp (10.15% → 9.98%).
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
GERBER gives up 11 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio loses the least, 0.1.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is GERBER financially healthy?
GERBER has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,315 of 4,374 nationally on health and #59 of 171 in Michigan. Its net worth ratio is 9.98% and its delinquency rate 0.92%.
How does GERBER compare to other credit unions?
GERBER scores 89/100, higher than 69% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (62.30% vs 72.20%).
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?
GERBER 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. GERBER's net worth ratio of 9.98% 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.