State credit union · RICHLAND, Washington · NCUA charter #68278
GESA
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $6.52B
- Total assets
- 315,416
- Members
- 9.3%
- Net-worth ratio
GESA scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.52B; members 315,416; net-worth ratio 9.32%; health rank #421 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#421 of 4,374 health · 2025Q4GESA · health 95/100 · $6.52B · 2025Q4
- RANK 95/100
- PHOTO 9.3%
- BOOK 0.67%
- CHARTER 0.54%
- NCUSIF $6.52B
- CAMELS 315,416
- HEALTH #421/4,374
- NW KINECTA
- DELQ 68278
Call Report peers
GESA in the assets neighbourhood
GESA's $6.52B assets sit next to KINECTA ($6.52B) 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.
GESA 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
95 Top 10% higher than 90% 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
GESA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68278, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where GESA diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 94.44% vs peer 83.90% (+10.54 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.86 pp (9.32% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where GESA sits in Washington
- Health composite ranks #8 of 75 among scored Washington credit unions.
- Washington assets place: #2 of 75.
- Member book place in Washington: #3 of 75.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GESA Call Report trajectory
GESA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $6.52B (2025Q4) to $6.72B (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.50% → 9.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.4 pts
GESA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.32% | -1.86 pp |
| Delinquency Rate | 0.67% | -0.20 pp |
| Return on Assets | 0.54% | +0.03 pp |
| Member Growth | 8.10% | - |
| Loan-to-Share Ratio | 94.44% | +10.54 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).
Call Report history - GESA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.72B | - |
| 2025Q4 | $6.52B | 315,416 |
| 2024Q4 | $5.63B | 291,793 |
| 2023Q4 | $5.46B | 288,611 |
Credit Union Details
- Charter Number
- 68278
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- RICHLAND
- Data Quarter
- 2025Q4
Branch Locations (45)
Per its most recent NCUA branch filing, GESA runs 45 offices in 30 different cities across 2 states.
| Office | City |
|---|---|
| South Richland Headquarters (Main Office) | Richland, WA |
| Bremerton Branch | Bremerton, WA |
| Centralia Gold St. | Centralia, WA |
| Centralia Harrison Ave | Centralia, WA |
| Chehalis Louisiana Ave | Chehalis, WA |
| Chehalis Market Blvd | Chehalis, WA |
| Chehalis NW Chehalis Ave | Chehalis, WA |
| Grayland Hart St | Grayland, WA |
| Kennewick | Kennewick, WA |
| South Kennewick | Kennewick, WA |
| Kent | Kent, WA |
| In-Store Kirkland Branch | Kirkland, WA |
| Lake Stevens | Lake Stevens, WA |
| Lynnwood Branch | Lynnwood, WA |
| Morton Second St | Morton, WA |
| Moses Lake | Moses Lake, WA |
| Pasco (Sylvester) | Pasco, WA |
| Pasco (Rd 68) | Pasco, WA |
| Pasco Road 100 | Pasco, WA |
| Pe Ell Main St | Pe Ell, WA |
| Post Falls | Post Falls, ID |
| WSU-CUB | Pullman, WA |
| WSU-Spark | Pullman, WA |
| Pullman Bishop | Pullman, WA |
| In-Store Puyallup Branch | Puyallup, WA |
| Raymond Commercial St | Raymond, WA |
| Richland (Goethals) | Richland, WA |
| Queensgate | Richland, WA |
| Rochester Hwy 12 SW | Rochester, WA |
| In-Store Roosevelt Branch | Seattle, WA |
| South Bend Central Ave | South Bend, WA |
| North Spokane | Spokane, WA |
| Spokane Northtown | Spokane, WA |
| Spokane Valley | Spokane Valley, WA |
| Spokane Highway 27 | Spokane Valley, WA |
| In-Store Tacoma Branch | Tacoma, WA |
| Tukwila-Parkside Bldg | Tukwila, WA |
| Vancouver-Lending Center | Vancouver, WA |
| Walla Walla (Tietan) | Walla Walla, WA |
| Walla Walla (Poplar) | Walla Walla, WA |
| Wenatchee | Wenatchee, WA |
| West Richland | West Richland, WA |
| Yakima North 40th | Yakima, WA |
| Yakima South 1st Street | Yakima, WA |
| Yakima Nob Hill | Yakima, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for GESA, both outside Washington so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($6.52B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- GESA ranks #421 of 4,374 nationally on financial health and #8 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spokane Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spokane Teachers
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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 GESA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, GESA carries a financial health score of 95/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #421 of 4,374; by total assets it ranks #58 of 4,374 nationally (same basis as /rankings/largest); and #2 of 75 within Washington. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.32% net worth ratio and a 0.67% delinquency rate.
How does GESA compare to other credit unions?
Five weighted metrics from NCUA filings produce GESA's 95/100 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 GESA?
Membership eligibility for GESA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GESA directly for current membership requirements and application steps.
Is my money safe at GESA?
Federal credit unions like GESA 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. GESA's net worth ratio of 9.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GESA offer compared to banks?
Credit unions like GESA 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 GESA 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.