B
Gesa Credit Union
Rating Date
March 2024
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Loading...
Major Rating Factors: A current level of 5.4 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (8.0). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Good (6.9) profitability.
Other Rating Factors: Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix: Consumer loans (37%), home mtgs (18%), securities (2%), other (42%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
51 Gage Boulevard
Richland, WA 99352
Phone Number
(509) 378-3100
NCUA Charter Number
Weiss Ratings