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
Call Report peers
GESA in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); GESA sits in 95-99 with 391 others.
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
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%).
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.
- One place up in Washington, PROGRESSIONS (#7) ties at 95/100; one place down, Spokane Firefighters (#9) scores 94/100, 1 point lower.
GESA Call Report trajectory
GESA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $6.52B (2025Q4) to $6.72B (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.50% → 9.32%).
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
GESA gives up 5 points in total. Loan-to-Share Ratio costs the most, 2 of its 15; Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is GESA financially healthy?
GESA has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #421 of 4,374 nationally on health and #8 of 75 in Washington. Its net worth ratio is 9.32% and its delinquency rate 0.67%.
How does GESA compare to other credit unions?
GESA scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.44% vs 83.90%). Its widest shortfall is net worth ratio (9.32% vs 11.18%).
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?
GESA is a state-chartered 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. GESA's net worth ratio of 9.32% 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.