Credit Union Safety Analysis
Is GECU Federal Credit Union Safe? El Paso, Texas
Based on its Q2 2026 NCUA 5300 call report, GECU Federal Credit Union has a net worth ratio of 13.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.00%, 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, GECU Federal Credit Union's net worth ratio is 13.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.61%
- Delinquency ratio (60+ days) (Q2 2026): 1.00%
- Return on assets (Q2 2026): 1.44%
- Loan-to-share ratio (Q2 2026): 100.04%
GECU Federal Credit Union (NCUA charter 24941, established 1932) reported $4.74B in assets and 441,043 members for Q2 2026 from El Paso, Texas. It ranks 7 of 377 credit unions in Texas by total assets. Total assets grew 7.2% from $4.42B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.46% for Q1 2026; 12.89% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.99% for Q1 2026; 1.05% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.35% for Q1 2026; 1.31% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 98.17% for Q1 2026; 99.46% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.24B
- New vehicle loans: $792.8M
- 1- to 4-family residential and other consumer real estate loans: $690.4M
- Commercial loans: $582.3M
- Unsecured credit card loans: $305.5M
- Other unsecured loans and lines of credit: $207.3M
- Other secured non-real estate loans and lines of credit: $33.6M
- Non-federally guaranteed student loans: $61K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.74B | 13.61% | 1.00% | 1.44% | 100.04% |
| March 31, 2026 | $4.66B | 13.46% | 0.99% | 1.35% | 98.17% |
| December 31, 2025 | $4.58B | 13.29% | 1.30% | 1.17% | 103.08% |
| September 30, 2025 | $4.43B | 13.25% | 1.13% | 1.64% | 100.54% |
| June 30, 2025 | $4.42B | 12.89% | 1.05% | 1.31% | 99.46% |
| March 31, 2025 | $4.42B | 12.60% | 1.07% | 1.23% | 97.49% |
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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.
GECU Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24941) · FFIEC NIC profile (RSSD 364690)
Frequently asked questions
Is GECU Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, GECU Federal Credit Union's net worth ratio is 13.61%, above the 7% NCUA threshold for well capitalized.
Is GECU Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. GECU Federal Credit Union is a federally insured credit union (NCUA charter 24941): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are GECU Federal Credit Union's key safety ratios?
For Q2 2026, GECU Federal Credit Union reports net worth 13.61%, delinquency 1.00%, ROA 1.44%, loan-to-share 100.04%.
What happens to my money if GECU Federal Credit Union fails?
For Q2 2026, GECU Federal Credit Union held $3.85B in shares and deposits for 441,043 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.