GALE
Charter #60327 · Galesburg, IL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- On Share growth YoY, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 62nd — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GALE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $69.02M | 45th pct | 41th pct |
| Members | 4,689 | 43th pct | 38th pct |
| Net worth ratio | 11.11% | 32th pct | 39th pct |
| Return on average assets | 0.98% | 65th pct | 54th pct |
| Net interest margin | 3.91% | 61th pct | 48th pct |
| Cost of funds | 1.46% | 78th pct | 69th pct |
| Loan-to-share | 72.14% | 72th pct | 57th pct |
| Delinquency 60+ days | 0.31% | 30th pct | 26th pct |
| Net charge-off ratio | 0.19% | 44th pct | 46th pct |
| Loan growth YoY | 7.65% | 96th pct | 93th pct |
| Share growth YoY | 5.84% | 80th pct | 62th pct |
| Efficiency ratio | 77.14% | 43th pct | 44th pct |
structural peer set hash: 1337db34cd8cedc19899e812887c71d0… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.