Credit Union Safety Analysis
Is Gale Credit Union Safe? Galesburg, Illinois
Based on its Q2 2026 NCUA 5300 call report, Gale Credit Union has a net worth ratio of 10.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.33%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Gale Credit Union's net worth ratio is 10.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.62%
- Delinquency ratio (60+ days) (Q2 2026): 0.33%
- Return on assets (Q2 2026): 0.85%
- Loan-to-share ratio (Q2 2026): 74.14%
Gale Credit Union (NCUA charter 60327, established 1947) reported $73.7M in assets and 4,770 members for Q2 2026 from Galesburg, Illinois. It ranks 60 of 185 credit unions in Illinois by total assets. Total assets grew 12.8% from $65.4M on June 30, 2025. It has 50 fewer members than on June 30, 2025 (-1.0%). Its net worth ratio was down 0.42 percentage points from 11.04% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $24.2M of $48.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.11% for Q1 2026; 11.04% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.31% for Q1 2026; 0.23% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.97% for Q1 2026; 0.78% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 72.14% for Q1 2026; 69.42% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $24.2M
- Used vehicle loans: $13.2M
- New vehicle loans: $4.2M
- Commercial loans: $3.5M
- Other secured non-real estate loans and lines of credit: $1.9M
- Unsecured credit card loans: $1.2M
- Other unsecured loans and lines of credit: $506K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $73.7M | 10.62% | 0.33% | 0.85% | 74.14% |
| March 31, 2026 | $69.0M | 11.11% | 0.31% | 0.97% | 72.14% |
| December 31, 2025 | $67.6M | 11.10% | 0.38% | 0.66% | 72.86% |
| September 30, 2025 | $65.4M | 11.30% | 0.20% | 1.09% | 70.93% |
| June 30, 2025 | $65.4M | 11.04% | 0.23% | 0.78% | 69.42% |
| March 31, 2025 | $61.8M | 11.47% | 0.18% | 1.21% | 69.72% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60327) · FFIEC NIC profile (RSSD 126393)
Frequently asked questions
Is Gale Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Gale Credit Union's net worth ratio is 10.62%, above the 7% NCUA threshold for well capitalized.
Is Gale Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Gale Credit Union is a federally insured credit union (NCUA charter 60327): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Gale Credit Union's key safety ratios?
For Q2 2026, Gale Credit Union reports net worth 10.62%, delinquency 0.33%, ROA 0.85%, loan-to-share 74.14%.
What happens to my money if Gale Credit Union fails?
For Q2 2026, Gale Credit Union held $65.7M in shares and deposits for 4,770 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.