TellerScore

Headquartered in Fremont, Michigan, Gerber Federal Credit Union is a federal credit union with $259.5M in total assets and $233.0M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1950.

Gerber Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 122nd. Funding & liquidity contributes the most (100/100, 61% loans-to-deposits, 2% uninsured); earnings contributes the least (50/100, 0.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.19%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity100/100
Loans ÷ shares: 60.5% · 2.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.76%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202464
Q1 202568
Q2 202566
Q3 202570
Q4 202569
Q1 202666
Q2 202667
Net worth ratio
7.00%8.59%10.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.60%
Q3 20249.57%
Q4 20249.63%
Q1 20259.62%
Q2 20259.66%
Q3 20259.95%
Q4 202510.15%
Q1 20269.98%
Q2 202610.19%
Delinquent loans (60+ days)
0.60%0.76%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.79%
Q4 20240.77%
Q1 20250.60%
Q2 20250.75%
Q3 20250.61%
Q4 20250.92%
Q1 20260.69%
Q2 20260.89%
Return on assets
0.38%0.69%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.41%
Q4 20240.50%
Q1 20250.72%
Q2 20250.69%
Q3 20250.95%
Q4 20250.99%
Q1 20260.38%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$259.5M10.19%0.89%0.74%60.5%
Q1 202666$257.8M9.98%0.69%0.38%60.1%
Q4 202569$251.0M10.15%0.92%0.99%62.3%
Q3 202570$248.8M9.95%0.61%0.95%62.6%
Q2 202566$246.9M9.66%0.75%0.69%62.1%
Q1 202568$243.7M9.62%0.60%0.72%62.2%
Q4 202464$238.8M9.63%0.77%0.50%64.1%
Q3 202463$235.2M9.57%0.79%0.41%65.5%
Q2 202464$231.9M9.60%0.61%0.41%65.8%

1,341 peers · $100 million – $1 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 ratio10.19%
32nd
Problem loans0.89%
36th
Net charge-offs0.54%
32nd
Return on assets0.74%
50th
Loans to deposits60.5%
77th
Uninsured deposits2.5%
87th
Loan-loss reserves0.00%
50th
Texas ratio4.8%
42nd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Filer Credit UnionCredit union Manistee, MI78 out of 100, Strong$262.4M12.8%0.84%vs
Community West Credit UnionCredit union Kentwood, MI66 out of 100, Moderate$252.4M9.3%0.37%vs
Advantage One Credit UnionCredit union Brownstown, MI71 out of 100, Strong$268.1M11.8%0.84%vs
St. Francis X Federal Credit UnionCredit union Petoskey, MI89 out of 100, Very strong$268.8M13.9%0.11%vs
Chief Financial Federal Credit UnionCredit union Rochester Hills, MI65 out of 100, Moderate$249.7M9.9%0.57%vs
North Central Area Credit UnionCredit union Houghton Lake, MI72 out of 100, Strong$271.7M11.6%0.95%vs

Deposit insurance

Is my money safe at Gerber Federal Credit Union?

Yes. Gerber Federal Credit Union is a federally insured credit union (NCUA charter #6832). 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 2.5% of shares and deposits ($5.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.19%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Gerber Federal Credit Union lists 3 offices in 2 cities. Most locations:

  • Fremont, MI (2)
  • Newaygo, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Gerber Federal Credit Union reported 256 home-loan applications under HMDA (LEI 549300UJJ1Q3YTRSGM27): 186 originated ($21,440,000 total), 36 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.2%, 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
Gerber Federal Credit Union
Type
Federal credit union
NCUA charter #
6832
RSSD ID
760489
Primary regulator
NCUA
Established
1950
Headquarters
PO Box 116, Fremont, MI 49412
Employees
46

Quick answers

Gerber Federal Credit Union: common questions

Is Gerber Federal Credit Union NCUA insured?

Yes. Gerber Federal Credit Union is a federally insured credit union (NCUA charter #6832). 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 Gerber Federal Credit Union's TellerScore?

67 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 Gerber Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fremont

InstitutionScoreAssetsCapitalProblem loansCompare
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%vs
Lake-Osceola State BankBank Baldwin, MI85 out of 100, Very strong$469.4M12.5%0.24%vs
Port City Federal Credit UnionCredit union Muskegon, MI80 out of 100, Strong$42.1M12.1%0.04%vs
Route 31 Federal Credit UnionCredit union Muskegon, MI79 out of 100, Strong$104.6M13.2%0.41%vs
Lakeshore Federal Credit UnionCredit union Muskegon, MI78 out of 100, Strong$45.2M11.9%0.04%vs