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
Call Report peers
Gesb Sheet Metal Workers in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Gesb Sheet Metal Workers sits in 100 with 34 others.
100 Top 1% higher than 99% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Indiana, LAKES (#1) ties at 100/100; one place down, PURDUE (#3) scores 98/100, 2 points lower.
Gesb Sheet Metal Workers Call Report trajectory
Gesb Sheet Metal Workers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $11.3M (2025Q4) to $11.4M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.12% → 11.09%).
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
Gesb Sheet Metal Workers gives up 0 points in total. Loan-to-Share Ratio costs the most, 0.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Gesb Sheet Metal Workers financially healthy?
On its 2025Q4 NCUA 5300 filing, Gesb Sheet Metal Workers scores 100/100 (Excellent), with a 11.09% net worth ratio and 0.40% of loans delinquent. It ranks #28 of 4,374 nationally on health and #2 of 124 in Indiana.
How does Gesb Sheet Metal Workers compare to other credit unions?
Gesb Sheet Metal Workers scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.04% vs 59.80%). Its widest shortfall is net worth ratio (11.09% vs 14.86%).
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?
Gesb Sheet Metal Workers 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. Gesb Sheet Metal Workers's net worth ratio of 11.09% 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.