PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gale

Galesburg, IL · Charter 60327

NCUA · 3 branches

Q2 2026

$73.7MAssets
$48.7MLoans
$65.7MShares
$7.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.88%, down 8 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.33% of loans (+10 bps YoY).
  • Capital: net worth / assets of 10.62%, down 42 bps from a year ago.
  • Funding: loans stand at 74.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+8 bps YoY

Efficiency Ratio (YTD, annualized)

78.85%+271 bps YoY

Net Worth / Assets

10.62%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.00%0.89%0.97%0.88%-8 bps
Return on Equity8.71%8.90%8.06%8.70%8.28%-43 bps
Net Interest Margin3.68%3.82%3.76%3.87%3.76%+8 bps
Efficiency Ratio76.14%74.64%76.78%77.14%78.85%+271 bps
Growth
Asset Growth (YoY)9.34%12.50%12.78%11.71%12.82%+348 bps
Loan Growth (YoY)13.03%17.37%17.30%16.31%22.26%+923 bps
Share Growth (YoY)9.06%13.22%13.39%12.41%14.47%+541 bps
Asset Quality
Delinquent Loans / Loans0.23%0.20%0.38%0.31%0.33%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.04%11.30%11.10%11.11%10.62%-42 bps
Net Worth / Assets11.04%11.30%11.10%11.11%10.62%-42 bps
Liquidity & Funding
Loans / Shares69.42%70.93%72.86%72.14%74.14%+472 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps