Federal credit union · PORTAGE, Indiana · NCUA charter #13974
Gesb Sheet Metal Workers
Health score 100/100 (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 - 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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)99
Weighted composite: 100/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.12% | 30% |
| Delinquency Rate | 0.40% | 25% |
| Return on Assets | 0.95% | 15% |
| Member Growth | 6.64% | 15% |
| Loan-to-Share Ratio | 69.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Gesb Sheet Metal Workers
Headquartered in PORTAGE, Indiana, Gesb Sheet Metal Workers is a federal credit union with 2,040 members, $11.3M in total assets, and $6.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 100/100 (Excellent), driven in part by a net worth ratio of 11.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #13974 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 69.04% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.40% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.95% on net income of $107K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 6.64%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Association/Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.12% 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 11.12% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.