TellerScore

Headquartered in La Crosse, Wisconsin, Governmental Employees Credit Union is a federally insured state-chartered credit union with $121.8M in total assets and $109.2M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1931.

Based on its Q2 2026 filing, Governmental Employees Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 84th. Its strongest component is problem-loan coverage (86/100; 6.9%), and its lowest is capital cushion (44/100; 9.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.40%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity66/100
Loans ÷ shares: 93.9% · 4.9% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.88%

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 (60 → 60).

TellerScore
586163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202460
Q4 202461
Q1 202560
Q2 202560
Q3 202561
Q4 202563
Q1 202662
Q2 202660
Net worth ratio
7.00%8.23%9.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.98%
Q3 20249.08%
Q4 20249.15%
Q1 20259.10%
Q2 20259.18%
Q3 20259.47%
Q4 20259.45%
Q1 20269.44%
Q2 20269.40%
Delinquent loans (60+ days)
0.46%0.63%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.46%
Q4 20240.49%
Q1 20250.79%
Q2 20250.70%
Q3 20250.78%
Q4 20250.61%
Q1 20260.59%
Q2 20260.71%
Return on assets
0.26%0.51%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.37%
Q4 20240.44%
Q1 20250.68%
Q2 20250.59%
Q3 20250.76%
Q4 20250.74%
Q1 20260.72%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$121.8M9.40%0.71%0.67%93.9%
Q1 202662$119.3M9.44%0.59%0.72%92.0%
Q4 202563$116.9M9.45%0.61%0.74%89.2%
Q3 202561$114.5M9.47%0.78%0.76%90.4%
Q2 202560$114.7M9.18%0.70%0.59%88.8%
Q1 202560$114.1M9.10%0.79%0.68%88.0%
Q4 202461$111.4M9.15%0.49%0.44%90.4%
Q3 202460$110.1M9.08%0.46%0.37%93.0%
Q2 202458$109.6M8.98%0.52%0.26%94.8%

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 ratio9.40%
18th
Problem loans0.71%
48th
Net charge-offs0.42%
43rd
Return on assets0.67%
44th
Loans to deposits93.9%
10th
Uninsured deposits4.9%
61st
Loan-loss reserves0.00%
50th
Texas ratio6.9%
26th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Tomah Area Credit UnionCredit union Tomah, WI83 out of 100, Strong$125.9M12.4%0.49%vs
Southern Lakes Credit UnionCredit union Kenosha, WI65 out of 100, Moderate$112.6M9.7%0.73%vs
Oakdale Credit UnionCredit union Oakdale, WI95 out of 100, Very strong$132.4M13.3%0.00%vs
Premier Financial Credit UnionCredit union New Holstein, WI78 out of 100, Strong$132.4M13.6%0.95%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
Indianhead Credit UnionCredit union Spooner, WI86 out of 100, Very strong$101.2M15.0%0.78%vs

Deposit insurance

Is my money safe at Governmental Employees Credit Union?

Yes. Governmental Employees Credit Union is a federally insured credit union (NCUA charter #66529). 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 4.9% of shares and deposits ($5.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.40%, 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

Governmental Employees Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Governmental Employees Credit Union reported 106 home-loan applications under HMDA (LEI 549300J51TCIL2CWJP16): 106 originated ($9,990,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Governmental Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66529
RSSD ID
958996
Primary regulator
State + NCUA
Established
1931
Headquarters
225 La Crosse St, La Crosse, WI 54601
Employees
17

Quick answers

Governmental Employees Credit Union: common questions

Is Governmental Employees Credit Union NCUA insured?

Yes. Governmental Employees Credit Union is a federally insured credit union (NCUA charter #66529). 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 Governmental Employees Credit Union's TellerScore?

60 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 Governmental Employees Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near La Crosse

InstitutionScoreAssetsCapitalProblem loansCompare
Bluff View BankBank Galesville, WI90 out of 100, Very strong$152.8M14.9%0.00%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs