Applications / Mortgage Analytics / Lenders / Wisconsin / Governmental Employees Credit Union
La Crosse, WI · Credit union · NCUA · $117 million assets · 106 loans in 2025
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106
loans originated, 2025
106
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Governmental Employees Credit Union is a La Crosse refinance and home-improvement lender whose loans fell in 2025 while similar lenders grew.
Refinances made up 70.8% of its loans and home improvement 20.8%; purchases were just 8.5%. Every loan was conventional. Refinances and home-improvement loans can be small, and its typical loan of $75,000 was lower than about three in four similar lenders, credit unions making between half and twice as many loans, whose typical loan was $105,000.
Its loans fell 16%, from 126 to 106, while similar lenders grew 8% and the whole market 10%. It made 187 loans in 2020. A lender built on refinancing may shrink when fewer borrowers want to refinance. In La Crosse, where it has lent since 1996, its share fell from 1.1% to 0.7%, ranking 34 of 213. Shares count dollars, so a lender of small loans can lose share on a few large ones made by others. Altra Federal Credit Union leads that market with $220.6M.
Some 39.6% of its borrowers had low or moderate incomes, against 29.7% at the typical similar lender, higher than four in five of them. Only 6.7% of its loans went to poorer neighborhoods (low- and moderate-income tracts), against 17.2%, and none to majority-minority tracts. Its lending is spread over 16 counties in two states, and the poorer or majority-minority tracts within reach may simply be few.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Governmental Employees Credit Union took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 70.8% · Home improvement 20.8% · Purchase 8.5%
Conventional 100.0% · of 106 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wisconsin | 103 | 97.2% |
| Minnesota | 3 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 80 |
| Appleton | 1 |
| Madison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J51TCIL2CWJP16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 958996 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566529 | 1996–2017 |
Established 1 January 1931. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Governmental Employees Credit Union's data.
Governmental Employees Credit Union's data
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Governmental Employees Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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