| Metric | Gale Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +1.3% | +11.5 pts |
| Share growth (YoY) | +14.5% | +0.9% | +13.5 pts |
| Loan growth (YoY) | +22.3% | -2.6% | +24.9 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 8.3% | 4.4% | +3.9 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.7M | $65.7M | $48.7M | $7.8M | $324K | 0.88% | 3.76% | 0.33% | 4,770 |
| Q1 2026 | $69.0M | $61.2M | $44.2M | $7.7M | $167K | 0.97% | 3.87% | 0.31% | 4,689 |
| Q4 2025 | $67.6M | $59.8M | $43.6M | $7.5M | $605K | 0.89% | 3.76% | 0.38% | 4,702 |
| Q3 2025 | $65.4M | $57.8M | $41.0M | $7.4M | $493K | 1.00% | 3.82% | 0.20% | 4,735 |
| Q2 2025 | $65.4M | $57.4M | $39.8M | $7.2M | $314K | 0.96% | 3.68% | 0.23% | 4,820 |
| Q1 2025 | $61.8M | $54.5M | $38.0M | $7.1M | $186K | 1.21% | 3.78% | 0.18% | 4,781 |
| Q4 2024 | $59.9M | $52.8M | $37.2M | $6.9M | $468K | 0.78% | 3.70% | 0.43% | 5,004 |
| Q3 2024 | $58.2M | $51.1M | $34.9M | $6.8M | $397K | 0.91% | 3.77% | 0.20% |
| Ratio | Gale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,013 |
| Q2 2024 | $59.8M | $52.6M | $35.2M | $6.7M | $231K | 0.77% | 3.58% | 0.19% | 5,048 |
Loan mix (Q2 2026): real estate $24.2M · commercial $3.5M · consumer $19.1M · securities $17.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 80.6% | 45th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Gale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Gale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Gale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Gale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Gale Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Knox, IL, ranked 15th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Knox, IL | 1 | $21.9M* | 0.89% | 15th |
| Tazewell, IL | 1 | $21.9M* | 0.45% | 15th |
| Peoria, IL | 1 | $21.9M* | 0.34% | 21st |
Illinois: 406th with 0.01% · Peoria metro: 29th, 0.33% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 3 · 2024 3 · 2025 3 · 2026 3