GAS & ELECTRIC EMPLOYEES
Charter #65040 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
GAS & ELECTRIC EMPLOYEES has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Net Interest Margin 0.32% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.1% in tier
- + Loan-to-Share Ratio: Top 4.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 3.2% in tier
- - Loan Growth Rate: Bottom 4.6% in tier
- - Fee Income Per Member: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
372
+2.2% YoY+0.8% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 10.3% in tier |
| Assets |
$4.4M
+0.2% YoY-4.7% QoQ
|
$-25.5M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 17.3% in tier |
| Loans |
$2.3M
-23.2% YoY-1.2% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.3% in tier |
| Deposits |
$2.3M
-2.3% YoY-9.3% QoQ
|
$-23.2M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.9% in tier |
| ROA |
1.7%
-2.9% YoY-8.7% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Top 15.2% in tier |
| NIM |
4.2%
+2.9% YoY+3.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
65th in tier |
| Efficiency Ratio |
60.4%
+1.6% YoY+9.1% QoQ
|
-21.0% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
99.2%
-21.4% YoY+8.9% QoQ
|
+38.0% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 4.5% in tier |
| AMR |
$12,237
-15.8% YoY-6.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
41st in tier |
| CD Concentration |
27.2%
+76.3% YoY+8.6% QoQ
|
+2.8% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
29
Net Worth Ratio
risk
Value:
48.02%
Peer Avg: 16.43%
#29 of 2596
Top 1.1% in <100M tier
114
Loan-to-Share Ratio
balance_sheet
Value:
99.23%
Peer Avg: 61.23%
#114 of 2596
Top 4.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
381
Efficiency Ratio
profitability
Value:
60.42%
Peer Avg: 81.39%
#381 of 2596
Top 14.6% in <100M tier
394
Return on Assets (ROA)
profitability
Value:
1.69%
Peer Avg: 0.68%
#394 of 2596
Top 15.1% in <100M tier
410
Member Growth Rate
growth
Value:
2.20%
Peer Avg: 14.92%
#410 of 2596
Top 15.8% in <100M tier
Top Weaknesses (9 metrics)
2513
AMR Growth Rate
growth
Value:
-15.81%
Peer Avg: 4.67%
#2513 of 2596
Bottom 3.2% in <100M tier
2478
Loan Growth Rate
growth
Value:
-23.20%
Peer Avg: 59.01%
#2478 of 2596
Bottom 4.6% in <100M tier
2381
Fee Income Per Member
profitability
Value:
$1.38
Peer Avg: $182.96
#2381 of 2596
Bottom 8.3% in <100M tier
2326
Total Members
engagement
Value:
372
Peer Avg: 2,626
#2326 of 2596
Bottom 10.4% in <100M tier
2261
Total Deposits
balance_sheet
Value:
$2.28M
Peer Avg: $25.45M
#2261 of 2596
Bottom 12.9% in <100M tier
2232
Members Per Employee (MPE)
engagement
Value:
186.000
Peer Avg: 365.701
#2232 of 2596
Bottom 14.1% in <100M tier
2148
Total Assets
balance_sheet
Value:
$4.40M
Peer Avg: $29.86M
#2148 of 2596
Bottom 17.3% in <100M tier
2095
Total Loans
balance_sheet
Value:
$2.27M
Peer Avg: $15.77M
#2095 of 2596
Bottom 19.3% in <100M tier
2058
Share Certificate Concentration (%)
balance_sheet
Value:
27.16%
Peer Avg: 15.37%
#2058 of 2596
Bottom 20.8% in <100M tier