General Electric Credit Union (NCUA charter #68574) is based in Cincinnati, Ohio. Its Q2 2026 call report shows $4.2B in total assets and $3.5B in member shares and deposits and 14 offices across 2 states.
Based on its Q2 2026 filing, General Electric Credit Union scores 54/100, which we describe as below average. That is higher than only 11% of 454 credit unions with $1 billion – $10 billion. Among 192 credit unions headquartered in Ohio, it ranks 170th. Its strongest component is problem-loan coverage (85/100; 7.5%), and its lowest is earnings (34/100; 0.35%).
TellerScore · Q2 2026
Scorecard
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 2 points (52 → 54), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 44 |
| Q4 2024 | 44 |
| Q1 2025 | 51 |
| Q2 2025 | 52 |
| Q3 2025 | 52 |
| Q4 2025 | 52 |
| Q1 2026 | 54 |
| Q2 2026 | 54 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.57% |
| Q3 2024 | 7.62% |
| Q4 2024 | 7.76% |
| Q1 2025 | 7.91% |
| Q2 2025 | 8.08% |
| Q3 2025 | 8.25% |
| Q4 2025 | 8.31% |
| Q1 2026 | 8.41% |
| Q2 2026 | 8.52% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.83% |
| Q1 2026 | 0.71% |
| Q2 2026 | 0.70% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.37% |
| Q3 2024 | -0.43% |
| Q4 2024 | -0.44% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $4.2B | 8.52% | 0.70% | 0.35% | 100.4% |
| Q1 2026 | 54 | $4.2B | 8.41% | 0.71% | 0.37% | 97.5% |
| Q4 2025 | 52 | $4.2B | 8.31% | 0.83% | 0.26% | 96.3% |
| Q3 2025 | 52 | $4.3B | 8.25% | 0.78% | 0.22% | 99.5% |
| Q2 2025 | 52 | $4.3B | 8.08% | 0.67% | 0.14% | 99.0% |
| Q1 2025 | 51 | $4.4B | 7.91% | 0.63% | 0.07% | 97.9% |
| Q4 2024 | 44 | $4.4B | 7.76% | 0.88% | -0.44% | 99.0% |
| Q3 2024 | 44 | $4.6B | 7.62% | 0.77% | -0.43% | 99.8% |
| Q2 2024 | 46 | $4.7B | 7.57% | 0.64% | -0.37% | 101.6% |
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).
Similar-size credit unions in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kemba Financial Credit UnionCredit union Gahanna, OH | 74 out of 100, Strong | $2.5B | 12.6% | 0.58% | vs |
| Seven Seventeen Credit UnionCredit union Warren, OH | 64 out of 100, Moderate | $2.2B | 12.5% | 1.26% | vs |
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Kemba Credit UnionCredit union West Chester, OH | 65 out of 100, Moderate | $1.7B | 11.7% | 0.85% | vs |
| Directions Credit UnionCredit union Toledo, OH | 68 out of 100, Moderate | $1.4B | 9.7% | 0.37% | vs |
| Telhio Credit UnionCredit union Columbus, OH | 44 out of 100, Below average | $1.4B | 9.7% | 2.01% | vs |
Deposit insurance
Is my money safe at General Electric Credit Union?
Yes. General Electric Credit Union is a federally insured credit union (NCUA charter #68574). 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 17.1% of shares and deposits ($599.8M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 8.52%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
14 locations
Branches
General Electric Credit Union lists 14 offices in 10 cities across 2 states. Most locations:
- Cincinnati, OH (4)
- Blue Ash, OH (2)
- Fairfield, OH (1)
- Florence, KY (1)
- Highland Heights, KY (1)
- Lebanon, OH (1)
- Loveland, OH (1)
- Mason, OH (1)
- Montgomery, OH (1)
- Westchester, OH (1)
HMDA 2025
Mortgage lending
In 2025, General Electric Credit Union reported 1,449 home-loan applications under HMDA (LEI 549300MH5OXXJKWZZY83): 1,006 originated ($157,810,000 total), 162 denied, and 236 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- General Electric Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68574
- RSSD ID
- 23287
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 10485 Reading Rd, Cincinnati, OH 45241
- Employees
- 489
Quick answers
General Electric Credit Union: common questions
Is General Electric Credit Union NCUA insured?
Yes. General Electric Credit Union is a federally insured credit union (NCUA charter #68574). 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 General Electric Credit Union's TellerScore?
54 out of 100 (Below average), 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 General Electric Credit Union have?
14 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Cincinnati
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Northern Kentucky Federal Credit UnionCredit union Highland Height, KY | 91 out of 100, Very strong | $43.1M | 14.0% | 0.29% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |