Credit Union Safety Analysis
Is Gesa Credit Union Safe? Richland, Washington
Based on its Q2 2026 NCUA 5300 call report, Gesa Credit Union has a net worth ratio of 9.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.84%, 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, Gesa Credit Union's net worth ratio is 9.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.32%
- Delinquency ratio (60+ days) (Q2 2026): 0.84%
- Return on assets (Q2 2026): 0.54%
- Loan-to-share ratio (Q2 2026): 95.19%
Gesa Credit Union (NCUA charter 68278, established 1953) reported $6.82B in assets and 322,863 members for Q2 2026 from Richland, Washington. It ranks 2 of 73 credit unions in Washington by total assets. Total assets grew 5.7% from $6.45B on June 30, 2025. It has 16,154 more members than on June 30, 2025 (+5.3%). Its net worth ratio was up 0.05 percentage points from 9.27% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.87B of $5.41B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.84% 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: 9.32% for Q1 2026; 9.27% 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: 0.69% for Q1 2026; 0.51% 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: 0.87% for Q1 2026; 0.65% 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: 94.19% for Q1 2026; 89.63% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.87B
- Used vehicle loans: $1.41B
- Commercial loans: $1.34B
- New vehicle loans: $430.2M
- Unsecured credit card loans: $198.0M
- Other secured non-real estate loans and lines of credit: $92.3M
- Other unsecured loans and lines of credit: $50.6M
- Non-federally guaranteed student loans: $15.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.82B | 9.32% | 0.84% | 0.54% | 95.19% |
| March 31, 2026 | $6.72B | 9.32% | 0.69% | 0.87% | 94.19% |
| December 31, 2025 | $6.52B | 9.50% | 0.67% | 0.33% | 94.44% |
| September 30, 2025 | $6.41B | 9.57% | 0.58% | 0.96% | 91.93% |
| June 30, 2025 | $6.45B | 9.27% | 0.51% | 0.65% | 89.63% |
| March 31, 2025 | $5.86B | 10.02% | 0.42% | 0.65% | 94.10% |
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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.
Regulator records: NCUA credit union profile (charter 68278) · FFIEC NIC profile (RSSD 389086)
Frequently asked questions
Is Gesa Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Gesa Credit Union's net worth ratio is 9.32%, above the 7% NCUA threshold for well capitalized.
Is Gesa Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Gesa Credit Union is a federally insured credit union (NCUA charter 68278): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Gesa Credit Union's key safety ratios?
For Q2 2026, Gesa Credit Union reports net worth 9.32%, delinquency 0.84%, ROA 0.54%, loan-to-share 95.19%.
What happens to my money if Gesa Credit Union fails?
For Q2 2026, Gesa Credit Union held $5.68B in shares and deposits for 322,863 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.