🏦Bank Scorer

GE CAPITAL CONSUMER CARD COMPANY

DRAPER, UT · Supervised by FDIC

Est. 1988FDIC #27,314RSSD: FDIC-27314
Part ofSYNCHRONY FINANCIAL→ View all charters
Outstanding Same

Current rating · Exam: February 2003

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

541

4.71 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 2.62%

Institution Profile

FDIC BankFind

Address

170 W Election Rd, DRAPER, UT

County

Salt Lake County

Established

August 1, 1988

Total Assets

$114.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2003

Exam Type

Wholesale/Limited Purpose

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$114.9B

Total Deposits

$85.8B

Net Loans

$86.4B

Net Income

$743M

ROA

2.62%

ROE

20.33%

Risk-Based Capital

16.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

Complaints / $B4.71Peer avg: 0.83▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$84.8B

1-Year Change

-2

5-year net change: -1 branches

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

541

All Time

1,610

Monetary Relief

27.7%

Untimely Response

1.2%

Most common complaint type: Credit card or prepaid card· 4.71 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202421
October 202430
November 202400
December 202400
January 202500
February 202500
March 202500
April 202521
May 202500
June 202500
July 202500
August 202500
September 2025145
October 2025347
November 2025538
December 20254010
January 2026124
February 202672
March 20266115
April 202615118
May 20261334
June 2026362

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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