G E S B Sheet Metal Workers Federal Credit Union Portage, Indiana
G E S B Sheet Metal Workers Federal Credit Union is a federal credit union headquartered in Portage, IN, established in 1960 (NCUA charter 13974), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,052 members and total assets of $11.8M (up 8.1% from Q2 2025), the 103rd largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 11.10% at Q2 2026, in the well capitalized band.
Also written as GESB Sheet Metal Workers FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 13974
- Headquarters
- Portage, IN
- Established
- 1960
- Total assets, Q2 2026
- $11.8M
- Assets vs Q2 2025
- +8.1%
- Members, Q2 2026
- 2,052
- Net worth ratio, Q2 2026
- 11.10%
- Latest call report
- Q2 2026, NCUA 5300 · G E S B Sheet Metal Workers Federal Credit Union call report
- Asset rank in state
- 103rd of 118 in Indiana
- Routing number
- 271990923
- Branches
- 1
It has 86 more members than on June 30, 2025 (+4.4%). Its net worth ratio was up 0.34 percentage points from 10.76% on June 30, 2025. Used vehicle loans are its largest loan category, $4.2M of $7.8M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Indiana
Frequently asked about G E S B Sheet Metal Workers Federal Credit Union
How big is G E S B Sheet Metal Workers Federal Credit Union?
At Q2 2026 it reported total assets of $11.8M and 2,052 members.
Where is G E S B Sheet Metal Workers Federal Credit Union headquartered?
It is headquartered in Portage, IN, United States.
When was G E S B Sheet Metal Workers Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is G E S B Sheet Metal Workers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 13974): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates G E S B Sheet Metal Workers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is G E S B Sheet Metal Workers Federal Credit Union well capitalized?
Its net worth ratio was 11.10% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is G E S B Sheet Metal Workers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Portage, IN 46368
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 13974
- RSSD ID
- 387989
- Members
- 2,052
- Potential members
- 3,400
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.10% | 14.31% | 25th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.54% | 0.72% | 81st top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 13.86% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.67% | 3.93% | 78th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 69.79% | 79.83% | 71st above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.56% | 0.78% | 64th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.23% | 4.70% | 71st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 74.69% | 58.92% | 73rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$11.8M total assets against $10.9M; $10.5M total shares and deposits against $9.7M; $7.8M total loans against $6.7M.
$1.3M net worth against $1.2M.
11.10% net worth ratio against 10.76%.
74.69% loan-to-share ratio against 69.47%.
1.54% return on assets against 0.67%; 13.86% return on equity against 6.24%.
4.67% net interest margin against 4.64%.
2,052 members against 1,966.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.10% | 1.54% | — | 74.69% |
| March 31, 2026 | 11.09% | 0.27% | 0.40% | 69.38% |
| December 31, 2025 | 11.12% | 1.44% | 0.40% | 69.04% |
| September 30, 2025 | 10.86% | 1.48% | 0.02% | 69.42% |
| June 30, 2025 | 10.76% | 0.67% | 0.15% | 69.47% |
| March 31, 2025 | 10.66% | 0.85% | 0.16% | 68.68% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.