Gas and Electric
Rock Island, IL · Charter 65003 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
$132.1MAssets
$87.4MLoans
$117.7MShares
$13.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 70% of credit unions under $1B in assets in IL (rank 15 of 50).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets in IL (rank 42 of 50).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.00%
Rank 24 of 50
Net Interest Margin
3.04%
Rank 41 of 50
Efficiency Ratio
72.51%
Rank 22 of 50
Equity / Assets
10.32%
Rank 42 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.49% | 0.97% | 1.35% | Beats 52% | 24 / 50 | | |
| Return on Equity | 9.68% | 3.76% | 7.55% | 10.28% | Beats 70% | 15 / 50 | | |
| Net Interest Margin | 3.04% | 3.15% | 3.72% | 4.20% | Beats 18% | 41 / 50 | | |
| Efficiency Ratio | 72.51% | 67.18% | 75.90% | 80.66% | Beats 58% | 22 / 50 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.14% | 0.47% | 0.87% | Beats 62% | 20 / 50 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 10.68% | 13.50% | 16.38% | Beats 16% | 42 / 50 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.32% | 10.68% | 13.50% | 16.38% | Beats 16% | 42 / 50 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.26% | 55.23% | 70.87% | 80.60% | 60th pctl | 20 / 50 | | |
| Loans / Assets | 66.14% | 43.53% | 60.64% | 68.47% | 66th pctl | 17 / 50 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |