Gea Employees Federal Credit Union Pearisburg, Virginia
Gea Employees Federal Credit Union is a federal credit union headquartered in Pearisburg, VA, established in 1966 (NCUA charter 17675), and it is regulated and insured by the NCUA. At Q2 2026 it reported 303 members and total assets of $2.1M (up 3.7% from Q2 2025), the 87th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 24.14% at Q2 2026, in the well capitalized band.
Also written as Gea Employees 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
- 17675
- Headquarters
- Pearisburg, VA
- Established
- 1966
- Total assets, Q2 2026
- $2.1M
- Assets vs Q2 2025
- +3.7%
- Members, Q2 2026
- 303
- Net worth ratio, Q2 2026
- 24.14%
- Latest call report
- Q2 2026, NCUA 5300 · Gea Employees Federal Credit Union call report
- Asset rank in state
- 87th of 94 in Virginia
- Routing number
- 251481232
- Branches
- 1
It has 7 fewer members than on June 30, 2025 (-2.3%). Its net worth ratio was down 0.42 percentage points from 24.56% on June 30, 2025. New vehicle loans are its largest loan category, $578K of $904K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.10% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 24.14% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Virginia
Frequently asked about Gea Employees Federal Credit Union
How big is Gea Employees Federal Credit Union?
At Q2 2026 it reported total assets of $2.1M and 303 members.
Where is Gea Employees Federal Credit Union headquartered?
It is headquartered in Pearisburg, VA, United States.
When was Gea Employees Federal Credit Union founded?
It was established in 1966, per NCUA records.
Is Gea Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 17675): 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 Gea Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Gea Employees Federal Credit Union well capitalized?
Its net worth ratio was 24.14% 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 Gea Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.10% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Gea Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 57.89% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Pearisburg, VA 24134
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1966
- NCUA Charter #
- 17675
- RSSD ID
- 890498
- Members
- 303
- Potential members
- 750
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 2 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 24.14% | 14.31% | 86th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.58% | 0.72% | 44th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.42% | 4.74% | 34th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.83% | 3.93% | 13th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.31% | 0.78% | 23rd bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.10% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.14% | 4.70% | 23rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 57.89% | 58.92% | 48th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.1M total assets against $2.0M; $1.6M total shares and deposits against $1.5M; $904K total loans against $891K.
$497K net worth against $488K.
24.14% net worth ratio against 24.56%.
57.89% loan-to-share ratio against 59.49%.
0.10% delinquency ratio against 0.03%.
0.58% return on assets against 0.74%; 2.42% return on equity against 3.00%.
2.83% net interest margin against 3.06%.
303 members against 310.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 24.14% | 0.58% | 0.10% | 57.89% |
| March 31, 2026 | 23.98% | 1.52% | 0.02% | 54.39% |
| December 31, 2025 | 23.73% | -0.81% | 0.02% | 58.37% |
| September 30, 2025 | 23.91% | 0.56% | 0.03% | 60.71% |
| June 30, 2025 | 24.56% | 0.74% | 0.03% | 59.49% |
| March 31, 2025 | 24.09% | 1.89% | 0.03% | 63.67% |
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.