Gale

Galesburg, IL · 2 · Charter #60327 · www.galecu.net
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$67.6M
18th percentile
Members
4,702
21th percentile
Total loans
$43.6M
33th percentile
Total shares
$59.8M
22th percentile

Profitability

Return on assets
1.11%
56th percentile
Net interest margin
3.76%
55th percentile
Efficiency ratio
60.25%
58th percentile
Non-interest income ratio
16.89%
48th percentile

Capital & Risk

Net worth ratio
11.10%
36th percentile
Delinquency rate
0.38%
73th percentile
Net charge-off rate
0.25%
58th percentile
Loan-to-share
72.86%
59th percentile

Growth

Member growth YoY
-6.04%
8th percentile
Asset growth YoY
12.78%
94th percentile
Loan growth YoY
17.30%
96th percentile
Share growth YoY
18.05%
97th percentile

Operations

Members / branch
1,567
11th percentile
Assets / member
$14,370
49th percentile
Field of membership penetration
18.81%
69th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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