Gesa Credit Union

51 Gage Blvd
Richland, WA 99352
509-946-1611
www.gesa.com

NCUA

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Gesa Credit Union is headquartered in Richland and is the 4^th largest credit union in the state of Washington. It is also the 155^th largest credit union in the nation. It was established in 1953 and as of December of 2012, it had grown to 291 employees and 112,020 members. Gesa Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Top Long-Term CD Rates at Gesa Credit Union - Washington State - 1/11/2013

Gesa Credit Union has competitive rates on its long-term certificates and IRA certificates. These include a 2.06% APY 7-year CD, a 1.91% APY 5-year CD and a 1.81% APY 4-year CD. Minimum deposit is $5, ...

3.00% 30-Month CD at Gesa Credit Union in Washington State - Local Only - 7/10/2009

Gesa Credit Union is offering competitive rates on its mid-term and long-term certificate accounts. These include 2.46% APY for 24 months, 3.00% APY for 30 months and 3.53% APY for 60 months. Minimum deposit is $500 for the 24- and 60-month terms and...

5.16% 48-Month CD at a Washington State Credit Union (Gesa) - 7/16/2008

Update 8/23/08: The 48-month CD yield has gone up. It's now 5.16% APY for a minimum deposit $10,000. The title has been modified to reflect this change.Gesa Credit Union is offering a 5.01% APY certificate for terms of 48 and 60 months. The minimum...

3.01% Reward Checking Account at a Washington State CU (Gesa) - 5/21/2008

Update 4/11/09: The yield has fallen to 3.01% APY. See bottom of post for the rate history.Gesa Credit Union is offering a reward checking account called Colossal Checking that pays 3.01% APY for balances up to $10,000 (0.15% for above) and refunds ATM...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Gesa Credit Union Checking Account Rates

	Apy	Min	Max	Product
	1.50%	-	$10k	Colossal Checking

Gesa Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	Vacation Club Account
0.75%	-	-	Holiday Club Account
0.25%	$100	-	IRA Savings Account
0.25%	$100	-	Roth IRA Savings Account
0.11%	-	-	Basic Savings Account
0.11%	-	-	Student Savings Account

Gesa Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.31%	$25k	-	Money Market Account

Gesa Credit Union CD Rates

Apy	Min	Max	Product
2.02%	$5k	-	7 Year Certificate
1.75%	$5k	-	60 Month Certificate
1.65%	$5k	-	48 Month Certificate
1.00%	$5k	-	36 Month Certificate
0.96%	$5k	-	30 Month Certificate
0.70%	$5k	-	24 Month Certificate
0.60%	$5k	-	18 Month Certificate
0.45%	$5k	-	12 Month Certificate
0.30%	$5k	-	6 Month Certificate
0.20%	$500	-	3 Month Certificate

Gesa Credit Union IRA Rates

Apy	Min	Max	Product
2.02%	$2,500	-	7 Year IRA Certificate
2.02%	$2,500	-	7 Year Roth IRA Certificate
1.75%	$2,500	-	60 Month IRA Certificate
1.75%	$2,500	-	60 Month Roth IRA Certificate
1.65%	$2,500	-	48 Month IRA Certificate
1.65%	$2,500	-	48 Month Roth IRA Certificate
1.00%	$2,500	-	36 Month IRA Certificate
1.00%	$2,500	-	36 Month Roth IRA Certificate
0.70%	$2,500	-	24 Month IRA Certificate
0.70%	$2,500	-	24 Month Roth IRA Certificate
0.45%	$2,500	-	12 Month IRA Certificate
0.45%	$2,500	-	11 Month IRA Add-on Certificate
0.45%	$2,500	-	11 Month Roth IRA Add-on Certificate
0.45%	$2,500	-	12 Month Roth IRA Certificate

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

GESA
NCUA #	68278
BankRate Report	View
Year Chartered	1953
Employees	291
Primary Regulator
Assets and Liabilities
Assets	$1.22 billion
Loans	$968.31 million
Deposits	$1.08 billion
Equity Capital	$109.30 million
Loan Loss Allowance	$9.37 million
Unbacked Noncurrent Loans	$2.80 million
Real Estate Owned	$351,000
Historic Data - December 2011
Assets	$1.13 billion
Equity Capital	$94.20 million
Loan Loss Allowance	$8.52 million
Unbacked Noncurrent Loans	$3.74 million
Real Estate Owned	$675,000
Profit Margin - Quarterly
Net Interest Margin	4.08%
Return on Assets	1.3%
Return on Equity	14.53%
Interest Income	$47.88 million
Non-Interest Income	$18.22 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Gesa Credit Union had $3.15 million in non-current loans and owned real-estate with $118.66 million in equity and loan loss allowances on hand to cover it. This gives Gesa Credit Union a Texas Ratio of 2.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Gesa Credit Union decreased slightly from 4.30% as of December 31, 2011 to 2.66% as of December 31, 2012, resulting in a positive change of 38.16%.This indicates that the balance sheet and financial strength for Gesa Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Gesa Credit Union has increased its total deposits by $64.95 million, resulting in 6.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Gesa Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Gesa Credit Union has $1.22 billion in assets with $118.66 million in equity, resulting in a capitalization level of 9.71%, which is average.