Credit Union Safety Analysis
Is Gea Employees Federal Credit Union Safe? Pearisburg, Virginia
Based on its Q2 2026 NCUA 5300 call report, Gea Employees Federal Credit Union has a net worth ratio of 24.14%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.10%, 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, Gea Employees Federal Credit Union's net worth ratio is 24.14%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.14%
- Delinquency ratio (60+ days) (Q2 2026): 0.10%
- Return on assets (Q2 2026): 0.58%
- Loan-to-share ratio (Q2 2026): 57.89%
Gea Employees Federal Credit Union (NCUA charter 17675, established 1966) reported $2.1M in assets and 303 members for Q2 2026 from Pearisburg, Virginia. It ranks 87 of 94 credit unions in Virginia by total assets. Total assets grew 3.7% from $2.0M on June 30, 2025. 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.
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: 23.98% for Q1 2026; 24.56% 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: 0.02% for Q1 2026; 0.03% 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: 1.52% for Q1 2026; 0.74% 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: 54.39% for Q1 2026; 59.49% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $578K
- Used vehicle loans: $218K
- Other unsecured loans and lines of credit: $108K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.1M | 24.14% | 0.10% | 0.58% | 57.89% |
| March 31, 2026 | $2.1M | 23.98% | 0.02% | 1.52% | 54.39% |
| December 31, 2025 | $2.0M | 23.73% | 0.02% | -0.81% | 58.37% |
| September 30, 2025 | $2.1M | 23.91% | 0.03% | 0.56% | 60.71% |
| June 30, 2025 | $2.0M | 24.56% | 0.03% | 0.74% | 59.49% |
| March 31, 2025 | $2.0M | 24.09% | 0.03% | 1.89% | 63.67% |
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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.
Gea Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17675) · FFIEC NIC profile (RSSD 890498)
Frequently asked questions
Is Gea Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Gea Employees Federal Credit Union's net worth ratio is 24.14%, above the 7% NCUA threshold for well capitalized.
Is Gea Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Gea Employees Federal Credit Union is a federally insured credit union (NCUA charter 17675): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Gea Employees Federal Credit Union's key safety ratios?
For Q2 2026, Gea Employees Federal Credit Union reports net worth 24.14%, delinquency 0.10%, ROA 0.58%, loan-to-share 57.89%.
What happens to my money if Gea Employees Federal Credit Union fails?
For Q2 2026, Gea Employees Federal Credit Union held $1.6M in shares and deposits for 303 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.