Gale
Galesburg, IL · Charter 60327 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 3 branches
Q2 2026
$73.7MAssets
$48.7MLoans
$65.7MShares
$7.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of credit unions under $1B in assets in IL (rank 18 of 50).
- Widest gap: equity / assets trails 78% of credit unions under $1B in assets in IL (rank 39 of 50).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.88%
Rank 29 of 50
Net Interest Margin
3.76%
Rank 24 of 50
Efficiency Ratio
78.86%
Rank 33 of 50
Equity / Assets
10.62%
Rank 39 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.49% | 0.97% | 1.35% | Beats 42% | 29 / 50 | |
| Return on Equity | 8.28% | 3.76% | 7.55% | 10.28% | Beats 58% | 21 / 50 | |
| Net Interest Margin | 3.76% | 3.15% | 3.72% | 4.20% | Beats 52% | 24 / 50 | |
| Efficiency Ratio | 78.86% | 67.18% | 75.90% | 80.66% | Beats 36% | 33 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.14% | 0.47% | 0.87% | Beats 66% | 18 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.62% | 10.68% | 13.50% | 16.38% | Beats 22% | 39 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.62% | 10.68% | 13.50% | 16.38% | Beats 22% | 39 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 74.14% | 55.23% | 70.87% | 80.60% | 58th pctl | 21 / 50 | |
| Loans / Assets | 66.06% | 43.53% | 60.64% | 68.47% | 64th pctl | 18 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |