TellerScore

Gas & Electric Employees Credit Union is a federally insured state-chartered credit union headquartered in Mason City, Iowa, in business for about 94 years. At the end of Q2 2026 it reported $4.5M in total assets and $2.3M in member shares and deposits, with 1 office.

Gas & Electric Employees Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 46th. Capital cushion contributes the most (100/100, 48.08%); loan quality contributes the least (0/100, 4.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 48.08%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.11%
Earnings98/100
Return on assets (annualized): 1.95%
Funding & liquidity66/100
Loans ÷ shares: 94.5% · 0.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 9 points (78 → 69), mostly because the loan quality component weakened by 36 points.

TellerScore
698192Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202490
Q4 202487
Q1 202573
Q2 202578
Q3 202592
Q4 202583
Q1 202688
Q2 202669
Net worth ratio
7.00%28.09%49.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202445.50%
Q3 202446.70%
Q4 202446.51%
Q1 202546.63%
Q2 202545.43%
Q3 202548.02%
Q4 202549.19%
Q1 202648.92%
Q2 202648.08%
Delinquent loans (60+ days)
0.00%2.05%4.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.04%
Q4 20240.02%
Q1 20252.36%
Q2 20251.91%
Q3 20250.00%
Q4 20250.91%
Q1 20260.88%
Q2 20264.11%
Return on assets
1.35%1.70%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.91%
Q3 20241.75%
Q4 20241.35%
Q1 20251.91%
Q2 20251.81%
Q3 20251.73%
Q4 20251.64%
Q1 20262.06%
Q2 20261.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$4.5M48.08%4.11%1.95%94.5%
Q1 202688$4.4M48.92%0.88%2.06%92.3%
Q4 202583$4.3M49.19%0.91%1.64%99.3%
Q3 202592$4.4M48.02%0.00%1.73%99.2%
Q2 202578$4.6M45.43%1.91%1.81%91.1%
Q1 202573$4.4M46.63%2.36%1.91%103.1%
Q4 202487$4.4M46.51%0.02%1.35%115.7%
Q3 202490$4.4M46.70%0.04%1.75%126.2%
Q2 202491$4.5M45.50%0.12%1.91%122.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio48.08%
99th
Problem loans4.11%
8th
Net charge-offs0.00%
77th
Return on assets1.95%
93rd
Loans to deposits94.5%
6th
Uninsured deposits0.0%
81st
Loan-loss reserves1.54%
87th
Texas ratio4.1%
34th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Burlington Municipal Employees Credit UnionCredit union Burlington, IA80 out of 100, Strong$4.7M15.6%0.87%vs
Dubuque Postal Employees Credit UnionCredit union Dubuque, IA92 out of 100, Very strong$4.3M15.3%0.00%vs
Polk County Credit UnionCredit union Des Moines, IA94 out of 100, Very strong$5.5M23.6%0.04%vs
Des Moines Fire Department Credit UnionCredit union Des Moines, IA70 out of 100, Strong$3.4M24.1%2.04%vs
Lee County Credit UnionCredit union Keokuk, IA91 out of 100, Very strong$3.2M31.8%0.00%vs
Allen Hospital Personnel Credit UnionCredit union Waterloo, IA77 out of 100, Strong$6.0M18.5%1.18%vs

Deposit insurance

Is my money safe at Gas & Electric Employees Credit Union?

Yes. Gas & Electric Employees Credit Union is a federally insured credit union (NCUA charter #65040). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 48.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Gas & Electric Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gas & Electric Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65040
RSSD ID
516695
Primary regulator
State + NCUA
Established
1932
Headquarters
1602 S Monroe Ave, Mason City, IA 50401
Employees
2

Quick answers

Gas & Electric Employees Credit Union: common questions

Is Gas & Electric Employees Credit Union NCUA insured?

Yes. Gas & Electric Employees Credit Union is a federally insured credit union (NCUA charter #65040). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Gas & Electric Employees Credit Union's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Gas & Electric Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mason City

InstitutionScoreAssetsCapitalProblem loansCompare
United Bank and Trust CompanyBank Hampton, IA97 out of 100, Very strong$228.4M14.8%0.00%vs
Ace Credit UnionCredit union Mason City, IA89 out of 100, Very strong$7.5M20.9%0.12%vs
Citizens Community Credit UnionCredit union Fort Dodge, IA88 out of 100, Very strong$253.6M19.1%0.73%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
Iowa Heartland Credit UnionCredit union Mason City, IA77 out of 100, Strong$30.3M17.0%0.42%vs
Cent Credit UnionCredit union Mason City, IA77 out of 100, Strong$166.0M12.7%0.20%vs