TellerScore

Headquartered in El Paso, Texas, Gecu Federal Credit Union is a federal credit union with $4.7B in total assets and $3.9B in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1932.

Based on its Q2 2026 filing, Gecu Federal Credit Union scores 75/100, which we describe as strong. That is higher than 75% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 166th. Its strongest component is problem-loan coverage (87/100; 6.3%), and its lowest is funding & liquidity (60/100; 100% loans-to-deposits, 7% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.61%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 1.00%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity60/100
Loans ÷ shares: 100.0% · 6.9% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.33%

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 rose 3 points (72 → 75), mostly because the capital cushion component improved by 7 points.

TellerScore
687275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202468
Q1 202571
Q2 202572
Q3 202573
Q4 202570
Q1 202675
Q2 202675
Net worth ratio
7.00%10.30%13.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.83%
Q3 202412.33%
Q4 202412.38%
Q1 202512.60%
Q2 202512.89%
Q3 202513.25%
Q4 202513.29%
Q1 202613.46%
Q2 202613.61%
Delinquent loans (60+ days)
0.84%1.07%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.84%
Q3 20241.00%
Q4 20241.12%
Q1 20251.07%
Q2 20251.05%
Q3 20251.13%
Q4 20251.30%
Q1 20260.99%
Q2 20261.00%
Return on assets
1.13%1.26%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20241.35%
Q4 20241.14%
Q1 20251.23%
Q2 20251.27%
Q3 20251.39%
Q4 20251.30%
Q1 20261.35%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$4.7B13.61%1.00%1.38%100.0%
Q1 202675$4.7B13.46%0.99%1.35%98.2%
Q4 202570$4.6B13.29%1.30%1.30%103.1%
Q3 202573$4.4B13.25%1.13%1.39%100.5%
Q2 202572$4.4B12.89%1.05%1.27%99.5%
Q1 202571$4.4B12.60%1.07%1.23%97.5%
Q4 202468$4.3B12.38%1.12%1.14%103.1%
Q3 202472$4.3B12.33%1.00%1.35%97.5%
Q2 202470$4.4B11.83%0.84%1.13%97.4%

454 peers · $1 billion – $10 billion

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 ratio13.61%
84th
Problem loans1.00%
28th
Net charge-offs1.20%
6th
Return on assets1.38%
87th
Loans to deposits100.0%
15th
Uninsured deposits6.9%
73rd
Loan-loss reserves0.00%
50th
Texas ratio6.3%
34th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Rally Credit UnionCredit union Corpus Christi, TX76 out of 100, Strong$4.8B14.0%0.75%vs
Eecu Credit UnionCredit union Fort Worth, TX81 out of 100, Strong$4.9B12.7%0.45%vs
Texas Dow Employees Credit UnionCredit union Houston, TX49 out of 100, Below average$5.0B10.2%1.77%vs
Credit Human Federal Credit UnionCredit union San Antonio, TX43 out of 100, Below average$4.3B7.3%1.09%vs
University Federal Credit UnionCredit union Austin, TX60 out of 100, Moderate$4.3B9.7%1.11%vs
First Community Credit UnionCredit union Houston, TX58 out of 100, Moderate$3.1B8.0%0.39%vs

Deposit insurance

Is my money safe at Gecu Federal Credit Union?

Yes. Gecu Federal Credit Union is a federally insured credit union (NCUA charter #24941). 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 6.9% of shares and deposits ($265.4M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.61%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Gecu Federal Credit Union lists 6 offices in 2 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Empowerment Credit Card11.90% – 17.90%$0$251.0%
Rewards Credit Card14.74% – 17.90%$0$251.0%

All Gecu Federal Credit Union card terms

Identity & history

Profile

Legal name
Gecu Federal Credit Union
Type
Federal credit union
NCUA charter #
24941
RSSD ID
364690
Primary regulator
NCUA
Established
1932
Headquarters
PO Box 20998, El Paso, TX 79998
Employees
834

Quick answers

Gecu Federal Credit Union: common questions

Is Gecu Federal Credit Union NCUA insured?

Yes. Gecu Federal Credit Union is a federally insured credit union (NCUA charter #24941). 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 Gecu Federal Credit Union's TellerScore?

75 out of 100 (Strong), 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 Gecu Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near El Paso

InstitutionScoreAssetsCapitalProblem loansCompare
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Mountain Star Federal Credit UnionCredit union El Paso, TX83 out of 100, Strong$46.5M18.4%0.70%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
Chevron Federal Credit UnionCredit union Concord, CA81 out of 100, Strong$5.4B12.4%0.38%vs
TexasBankBank Fort Worth, TX80 out of 100, Strong$2.5B12.9%0.41%vs
WestStar BankBank El Paso, TX80 out of 100, Strong$3.3B12.3%0.00%vs