GAS AND ELECTRIC
Charter #65003 · ROCK ISLAND, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,533 sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.02% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.85% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.27% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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 | GAS AND ELECTRIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $131.98M | 21th pct | 16th pct |
| Members | 5,533 | 5th pct | 3th pct |
| Net worth ratio | 10.00% | 28th pct | 36th pct |
| Return on average assets | 0.68% | 49th pct | 48th pct |
| Net interest margin | 3.02% | 16th pct | 8th pct |
| Cost of funds | 1.85% | 82th pct | 90th pct |
| Loan-to-share | 72.09% | 50th pct | 49th pct |
| Delinquency 60+ days | 0.27% | 20th pct | 13th pct |
| Net charge-off ratio | 0.27% | 39th pct | 39th pct |
| Loan growth YoY | 2.93% | 74th pct | 79th pct |
| Share growth YoY | 5.12% | 72th pct | 70th pct |
| Efficiency ratio | 76.67% | 43th pct | 33th pct |
structural peer set hash: aa30310ccced53329db5f4c3ad6491ac… (reproducible)
Closest structural peers
This is the free public view
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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.