Federal credit union · PORTAGE, Indiana · NCUA charter #13974
Gesb Sheet Metal Workers
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $11.3M
- Total assets
- 2,040
- Members
- 11.1%
- Net-worth ratio
Gesb Sheet Metal Workers scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.3M; members 2,040; net-worth ratio 11.09%; health rank #28 of 4,374; healthier than 99th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#28 of 4,374 health · 2025Q4Gesb Sheet Metal Workers · health 100/100 · $11.3M · 2025Q4
- RANK 100/100
- PHOTO 11.1%
- BOOK 0.40%
- CHARTER 0.95%
- NCUSIF $11.3M
- CAMELS 2,040
- HEALTH #28/4,374
- NW INTERNATIONALITES
- DELQ 13974
Call Report peers
Gesb Sheet Metal Workers in the assets neighbourhood
Gesb Sheet Metal Workers's $11.3M assets sit next to INTERNATIONALITES ($11.3M) 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.
Gesb Sheet Metal Workers 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
100 Top 1% higher than 99% 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
Gesb Sheet Metal Workers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13974, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Gesb Sheet Metal Workers vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 69.04% here, 59.80% peer average (+9.24 pp).
- Net Worth Ratio trails the peer set - 11.09% here, 14.86% peer average (-3.77 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Gesb Sheet Metal Workers sits in Indiana
- Indiana health ordinal: #2 of 124.
- By total assets, Gesb Sheet Metal Workers is #105 of 124 in Indiana.
- Indiana membership ordinal: #92 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Gesb Sheet Metal Workers Call Report trajectory
Gesb Sheet Metal Workers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $11.3M (2025Q4) to $11.4M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.12% → 11.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Gesb Sheet Metal Workers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.09% | -3.77 pp |
| Delinquency Rate | 0.40% | -0.75 pp |
| Return on Assets | 0.95% | +0.24 pp |
| Member Growth | 6.64% | - |
| Loan-to-Share Ratio | 69.04% | +9.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.4M | - |
| 2025Q4 | $11.3M | 2,040 |
| 2024Q4 | $11.1M | 1,913 |
| 2023Q4 | $11.1M | 1,902 |
Credit Union Details
- Charter Number
- 13974
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- PORTAGE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Gesb Sheet Metal Workers runs one office.
| Office | City |
|---|---|
| GESB FCU (Main Office) | Portage, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Cross-state Call Report peers for Gesb Sheet Metal Workers
Gesb Sheet Metal Workers's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Gesb Sheet Metal Workers ranks #28 of 4,374 nationally on financial health and #2 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GENERATIONS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GENERATIONS
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 Gesb Sheet Metal Workers financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Gesb Sheet Metal Workers carries a financial health score of 100/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #28 of 4,374; by total assets it ranks #3,493 of 4,374 nationally (same basis as /rankings/largest); and #105 of 124 within Indiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.09% net worth ratio and a 0.40% delinquency rate.
How does Gesb Sheet Metal Workers compare to other credit unions?
Gesb Sheet Metal Workers scores 100/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Gesb Sheet Metal Workers?
Gesb Sheet Metal Workers serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Gesb Sheet Metal Workers directly for the current list of qualifying groups.
Is my money safe at Gesb Sheet Metal Workers?
Federal credit unions like Gesb Sheet Metal Workers 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. Gesb Sheet Metal Workers's net worth ratio of 11.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gesb Sheet Metal Workers offer compared to banks?
Credit unions like Gesb Sheet Metal Workers 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 Gesb Sheet Metal Workers 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.