GECU

Charter #24941 | TX

3B-5B (76 CUs) Mid-Market (380 CUs)
6 3B-5B in TX

GECU has 7 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 9.8% in tier
  • + Organic Growth Engine: Top 21.7% in tier
  • + Relationship Depth Leader: Top 23.7% in tier
  • + ROA 0.65% above tier average
  • + Net Interest Margin 1.33% above tier average
  • + Total Members: Top 2.6% in tier
  • + First Mortgage Concentration (%): Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 6.9% in tier
  • - Growth-at-Risk: Bottom 7.0% in tier
  • - Indirect Auto Dependency: Bottom 11.2% in tier
  • - Credit Quality Pressure: Bottom 13.5% in tier
  • - Liquidity Overhang: Bottom 28.0% in tier
  • - Delinquency rate 0.28% above tier average
  • - Average Member Relationship (AMR): Bottom 6.6% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 439,679
+1.2% YoY+1.0% QoQ
 +201.2K 238,465
+0.6% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 3.9% in tier
Assets $4.4B
+2.0% YoY+0.3% QoQ
 +$458.0M $4.0B
-0.1% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $3.6B
+9.9% YoY+2.8% QoQ
 +$590.6M $3.0B
+3.3% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 15.8% in tier
Deposits $3.6B
+6.5% YoY+1.7% QoQ
 +$257.0M $3.3B
+1.1% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 1.4%
+3.5% YoY+9.8% QoQ
 +0.6% 0.7%
+5.3% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 9.2% in tier
NIM 4.5%
+9.8% YoY+1.8% QoQ
 +1.3% 3.2%
+13.7% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 1.3% in tier
Efficiency Ratio 60.7%
-5.4% YoY-1.7% QoQ
 -10.6% 71.3%
-0.6% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 15.8% in tier
Delinquency Rate 1.1%
+13.3% YoY+6.9% QoQ
 +0.3 0.8%
+15.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 22.4% in tier
Loan To Share 100.5%
+3.1% YoY+1.1% QoQ
 +9.7% 90.8%
+2.0% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 21.1% in tier
AMR $16,375
+6.9% YoY+1.2% QoQ
 $-13K $29,088
+0.1% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 5.3% in tier
CD Concentration 26.3%
+16.9% YoY+4.6% QoQ
 -2.6% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 40th in tier
Indirect Auto % 40.8%
-8.7% YoY-1.2% QoQ
 +22.0% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 10.8% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#72 of 264 • Top 9.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.90%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Organic Growth Engine

growth
#158 of 246 • Top 21.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.18%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.39%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 40.78%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#172 of 264 • Top 23.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.90%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Liquidity Strain

risk
#37 of 183 • Bottom 6.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 100.54%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.85%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Growth-at-Risk

risk
#40 of 161 • Bottom 7.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.85%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.13% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#70 of 202 • Bottom 11.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.97%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 40.78%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.18%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#104 of 217 • Bottom 13.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Liquidity Overhang

risk
#91 of 113 • Bottom 28.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.25%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 100.54%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 76 peers in tier

Top Strengths (10 metrics)

1
Net Interest Margin (NIM)
profitability
Value: 4.53%
Peer Avg: 3.20%
#1 of 76 Top 0.0% in 3B-5B tier
3
Total Members
engagement
Value: 439,679
Peer Avg: 238,466
#3 of 76 Top 2.6% in 3B-5B tier
5
First Mortgage Concentration (%)
balance_sheet
Value: 14.86%
Peer Avg: 34.35%
#5 of 76 Top 5.3% in 3B-5B tier
7
Return on Assets (ROA)
profitability
Value: 1.39%
Peer Avg: 0.75%
#7 of 76 Top 7.9% in 3B-5B tier
9
Net Worth Ratio
risk
Value: 13.25%
Peer Avg: 10.75%
#9 of 76 Top 10.5% in 3B-5B tier
12
Total Loans
balance_sheet
Value: $3.61B
Peer Avg: $3.02B
#12 of 76 Top 14.5% in 3B-5B tier
13
Efficiency Ratio
profitability
Value: 60.70%
Peer Avg: 71.26%
#13 of 76 Top 15.8% in 3B-5B tier
14
AMR Growth Rate
growth
Value: 6.90%
Peer Avg: 2.07%
#14 of 76 Top 17.1% in 3B-5B tier
14
Members Per Employee (MPE)
engagement
Value: 527.193
Peer Avg: 433.941
#14 of 76 Top 17.1% in 3B-5B tier
16
Loan-to-Share Ratio
balance_sheet
Value: 100.54%
Peer Avg: 90.85%
#16 of 76 Top 19.7% in 3B-5B tier

Top Weaknesses (6 metrics)

72
Average Member Relationship (AMR)
engagement
Value: $16,375
Peer Avg: $29,088
#72 of 76 Bottom 6.6% in 3B-5B tier
71
Loan-to-Member Ratio (LMR)
engagement
Value: $8,210
Peer Avg: $13,761
#71 of 76 Bottom 7.9% in 3B-5B tier
67
Net Charge-Off Rate
risk
Value: 1.18%
Peer Avg: 0.64%
#67 of 76 Bottom 13.2% in 3B-5B tier
65
Indirect Auto Concentration (%)
balance_sheet
Value: 40.78%
Peer Avg: 20.57%
#65 of 76 Bottom 15.8% in 3B-5B tier
60
Member Growth Rate
growth
Value: 1.18%
Peer Avg: 7.02%
#60 of 76 Bottom 22.4% in 3B-5B tier
60
Total Delinquency Rate (60+ days)
risk
Value: 1.13%
Peer Avg: 0.84%
#60 of 76 Bottom 22.4% in 3B-5B tier