PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gas and Electric

Rock Island, IL · Charter 65003

NCUA · 2 branches

Q2 2026

$132.1MAssets
$87.4MLoans
$117.7MShares
$13.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.00%, up 15 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.38% of loans (-23 bps YoY).
  • Capital: net worth / assets of 10.32%, up 14 bps from a year ago.
  • Funding: loans stand at 74.26% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.00%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.04%+28 bps YoY

Efficiency Ratio (quarter, annualized)

72.49%-457 bps YoY

Net Worth / Assets

10.32%+14 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.32%0.66%0.85%0.90%0.60%0.67%1.00%+15 bps
Return on Equity4.66%3.22%6.61%8.30%8.64%5.96%6.74%9.67%+137 bps
Net Interest Margin2.65%2.63%2.70%2.76%2.83%2.65%2.98%3.04%+28 bps
Efficiency Ratio81.45%85.03%81.05%77.06%75.54%80.55%76.67%72.49%-457 bps
Growth
Asset Growth (YoY)5.24%4.51%3.72%4.36%4.84%5.19%5.19%5.24%+88 bps
Loan Growth (YoY)6.56%4.97%2.68%3.89%1.34%3.83%5.20%5.69%+180 bps
Share Growth (YoY)4.01%3.23%3.04%3.29%3.90%3.22%4.33%4.61%+132 bps
Asset Quality
Delinquent Loans / Loans0.47%0.63%0.45%0.61%0.70%0.67%0.27%0.38%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.24%10.07%9.93%10.18%10.38%10.14%10.00%10.32%+14 bps
Net Worth / Assets10.24%10.07%9.93%10.18%10.38%10.14%10.00%10.32%+14 bps
Liquidity & Funding
Loans / Shares75.48%74.68%71.50%73.50%73.63%75.12%72.09%74.26%+76 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps