GECU Federal Credit Union El Paso, Texas
GECU Federal Credit Union is a federal credit union headquartered in El Paso, TX, established in 1932 (NCUA charter 24941), and it is regulated and insured by the NCUA. At Q2 2026 it reported 441,043 members and total assets of $4.74B (up 7.2% from Q2 2025), the 7th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 13.61% at Q2 2026, in the well capitalized band.
Also written as GECU 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
- 24941
- Headquarters
- El Paso, TX
- Established
- 1932
- Total assets, Q2 2026
- $4.74B
- Assets vs Q2 2025
- +7.2%
- Members, Q2 2026
- 441,043
- Net worth ratio, Q2 2026
- 13.61%
- Latest call report
- Q2 2026, NCUA 5300 · GECU Federal Credit Union call report
- Asset rank in state
- 7th of 377 in Texas
- Routing number
- 312081089
- Branches
- 24
It has 5,614 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.72 percentage points from 12.89% on June 30, 2025. Used vehicle loans are its largest loan category, $1.24B of $3.85B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.00% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.61% net worth ratio is above that band's 10.89% median.
Frequently asked about GECU Federal Credit Union
How big is GECU Federal Credit Union?
At Q2 2026 it reported total assets of $4.74B and 441,043 members.
Where is GECU Federal Credit Union headquartered?
It is headquartered in El Paso, TX, United States.
When was GECU Federal Credit Union founded?
It was established in 1932, per NCUA records.
Is GECU Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24941): 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 GECU Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is GECU Federal Credit Union well capitalized?
Its net worth ratio was 13.61% 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 GECU Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.00% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is GECU Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 100.04% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- El Paso, TX 79925
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1932
- NCUA Charter #
- 24941
- RSSD ID
- 364690
- Members
- 441,043
- Potential members
- 5,236,839
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.61% | 10.89% | 83rd top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.44% | 0.89% | 82nd top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.87% | 8.07% | 75th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.57% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 61.63% | 70.59% | 78th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.54% | 1.68% | 61st above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.00% | 0.68% | 28th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.11% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 100.04% | 88.03% | 85th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.74B total assets against $4.42B; $3.85B total shares and deposits against $3.53B; $3.85B total loans against $3.51B.
$626.0M net worth against $566.0M.
13.61% net worth ratio against 12.89%.
100.04% loan-to-share ratio against 99.46%.
1.00% delinquency ratio against 1.05%.
1.44% return on assets against 1.31%; 10.87% return on equity against 10.24%.
4.57% net interest margin against 4.56%.
441,043 members against 435,429.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.61% | 1.44% | 1.00% | 100.04% |
| March 31, 2026 | 13.46% | 1.35% | 0.99% | 98.17% |
| December 31, 2025 | 13.29% | 1.17% | 1.30% | 103.08% |
| September 30, 2025 | 13.25% | 1.64% | 1.13% | 100.54% |
| June 30, 2025 | 12.89% | 1.31% | 1.05% | 99.46% |
| March 31, 2025 | 12.60% | 1.23% | 1.07% | 97.49% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.