Credit Union Safety Analysis
Is General Electric Credit Union Safe? Cincinnati, Ohio
Based on its Q2 2026 NCUA 5300 call report, General Electric Credit Union has a net worth ratio of 8.52%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, 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, General Electric Credit Union's net worth ratio is 8.52%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.52%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): 0.33%
- Loan-to-share ratio (Q2 2026): 100.45%
General Electric Credit Union (NCUA charter 68574, established 1954) reported $4.21B in assets and 324,004 members for Q2 2026 from Cincinnati, Ohio. It ranks 2 of 191 credit unions in Ohio by total assets. Total assets fell 1.9% from $4.30B on June 30, 2025. It has 24,581 more members than on June 30, 2025 (+8.2%). Its net worth ratio was up 0.44 percentage points from 8.08% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.26B of $3.52B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% 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: 8.41% for Q1 2026; 8.08% 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: 0.71% for Q1 2026; 0.67% 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: 0.37% for Q1 2026; 0.22% 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: 97.53% for Q1 2026; 98.96% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.26B
- Used vehicle loans: $1.04B
- Commercial loans: $573.1M
- New vehicle loans: $513.2M
- Unsecured credit card loans: $62.0M
- Other secured non-real estate loans and lines of credit: $44.4M
- Other unsecured loans and lines of credit: $27.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.21B | 8.52% | 0.70% | 0.33% | 100.45% |
| March 31, 2026 | $4.23B | 8.41% | 0.71% | 0.37% | 97.53% |
| December 31, 2025 | $4.23B | 8.31% | 0.83% | 0.39% | 96.32% |
| September 30, 2025 | $4.25B | 8.25% | 0.78% | 0.36% | 99.54% |
| June 30, 2025 | $4.30B | 8.08% | 0.67% | 0.22% | 98.96% |
| March 31, 2025 | $4.36B | 7.91% | 0.63% | 0.07% | 97.90% |
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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.
General Electric Credit Union profile
Regulator records: NCUA credit union profile (charter 68574) · FFIEC NIC profile (RSSD 23287)
Frequently asked questions
Is General Electric Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, General Electric Credit Union's net worth ratio is 8.52%, above the 7% NCUA threshold for well capitalized.
Is General Electric Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. General Electric Credit Union is a federally insured credit union (NCUA charter 68574): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are General Electric Credit Union's key safety ratios?
For Q2 2026, General Electric Credit Union reports net worth 8.52%, delinquency 0.70%, ROA 0.33%, loan-to-share 100.45%.
What happens to my money if General Electric Credit Union fails?
For Q2 2026, General Electric Credit Union held $3.50B in shares and deposits for 324,004 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.