Credit Union Safety Analysis
Is G E S B Sheet Metal Workers Federal Credit Union Safe? Portage, Indiana
Based on its Q2 2026 NCUA 5300 call report, G E S B Sheet Metal Workers Federal Credit Union has a net worth ratio of 11.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, G E S B Sheet Metal Workers Federal Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.10%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.54%
- Loan-to-share ratio (Q2 2026): 74.69%
G E S B Sheet Metal Workers Federal Credit Union (NCUA charter 13974, established 1960) reported $11.8M in assets and 2,052 members for Q2 2026 from Portage, Indiana. It ranks 103 of 118 credit unions in Indiana by total assets. Total assets grew 8.1% from $10.9M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.09% for Q1 2026; 10.76% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.40% for Q1 2026; 0.15% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.27% for Q1 2026; 0.67% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 69.38% for Q1 2026; 69.47% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.2M
- New vehicle loans: $1.7M
- Other secured non-real estate loans and lines of credit: $841K
- 1- to 4-family residential and other consumer real estate loans: $799K
- Other unsecured loans and lines of credit: $262K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $11.8M | 11.10% | — | 1.54% | 74.69% |
| March 31, 2026 | $11.4M | 11.09% | 0.40% | 0.27% | 69.38% |
| December 31, 2025 | $11.3M | 11.12% | 0.40% | 1.44% | 69.04% |
| September 30, 2025 | $11.2M | 10.86% | 0.02% | 1.48% | 69.42% |
| June 30, 2025 | $10.9M | 10.76% | 0.15% | 0.67% | 69.47% |
| March 31, 2025 | $10.8M | 10.66% | 0.16% | 0.85% | 68.68% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
G E S B Sheet Metal Workers Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13974) · FFIEC NIC profile (RSSD 387989)
Frequently asked questions
Is G E S B Sheet Metal Workers Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, G E S B Sheet Metal Workers Federal Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
Is G E S B Sheet Metal Workers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. G E S B Sheet Metal Workers Federal Credit Union is a federally insured credit union (NCUA charter 13974): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are G E S B Sheet Metal Workers Federal Credit Union's key safety ratios?
For Q2 2026, G E S B Sheet Metal Workers Federal Credit Union reports net worth 11.10%, delinquency not reported, ROA 1.54%, loan-to-share 74.69%.
What happens to my money if G E S B Sheet Metal Workers Federal Credit Union fails?
For Q2 2026, G E S B Sheet Metal Workers Federal Credit Union held $10.5M in shares and deposits for 2,052 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.