TellerScore

Gale Credit Union is a federally insured state-chartered credit union headquartered in Galesburg, Illinois, in business for about 79 years. At the end of Q2 2026 it reported $73.7M in total assets and $65.7M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Gale Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 103rd. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is earnings (55/100; 0.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.62%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity86/100
Loans ÷ shares: 74.1% · 3.3% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (76 → 73), mostly because the funding & liquidity component weakened by 5 points.

TellerScore
737780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202478
Q4 202474
Q1 202580
Q2 202576
Q3 202577
Q4 202574
Q1 202675
Q2 202673
Net worth ratio
7.00%9.37%11.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.14%
Q3 202411.74%
Q4 202411.51%
Q1 202511.47%
Q2 202511.04%
Q3 202511.30%
Q4 202511.10%
Q1 202611.11%
Q2 202610.62%
Delinquent loans (60+ days)
0.18%0.31%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.19%
Q3 20240.20%
Q4 20240.43%
Q1 20250.18%
Q2 20250.23%
Q3 20250.20%
Q4 20250.38%
Q1 20260.31%
Q2 20260.33%
Return on assets
0.77%0.99%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.91%
Q4 20240.78%
Q1 20251.21%
Q2 20250.96%
Q3 20251.00%
Q4 20250.89%
Q1 20260.97%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$73.7M10.62%0.33%0.88%74.1%
Q1 202675$69.0M11.11%0.31%0.97%72.1%
Q4 202574$67.6M11.10%0.38%0.89%72.9%
Q3 202577$65.4M11.30%0.20%1.00%70.9%
Q2 202576$65.4M11.04%0.23%0.96%69.4%
Q1 202580$61.8M11.47%0.18%1.21%69.7%
Q4 202474$59.9M11.51%0.43%0.78%70.4%
Q3 202478$58.2M11.74%0.20%0.91%68.4%
Q2 202476$59.8M11.14%0.19%0.77%67.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.62%
21st
Problem loans0.33%
66th
Net charge-offs0.14%
53rd
Return on assets0.88%
62nd
Loans to deposits74.1%
27th
Uninsured deposits3.3%
33rd
Loan-loss reserves0.00%
37th
Texas ratio2.1%
51st

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Education Personnel Federal Credit UnionCredit union Danville, IL76 out of 100, Strong$74.3M12.3%0.60%vs
Midwest Coalition of Labor Credit UnionCredit union Countryside, IL85 out of 100, Very strong$77.1M15.5%0.93%vs
Select Employees Credit UnionCredit union Sterling, IL86 out of 100, Very strong$78.6M12.6%0.26%vs
Metro Federal Credit UnionCredit union Arlington Heigh, IL68 out of 100, Moderate$80.0M9.6%0.83%vs
Northwest Community Credit UnionCredit union Morton Grove, IL51 out of 100, Below average$66.6M9.4%1.27%vs
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs

Deposit insurance

Is my money safe at Gale Credit Union?

Yes. Gale Credit Union is a federally insured credit union (NCUA charter #60327). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.3% of shares and deposits ($2.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Gale Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gale Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60327
RSSD ID
126393
Primary regulator
State + NCUA
Established
1947
Headquarters
631 N Henderson St, Galesburg, IL 61401
Employees
23

Quick answers

Gale Credit Union: common questions

Is Gale Credit Union NCUA insured?

Yes. Gale Credit Union is a federally insured credit union (NCUA charter #60327). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Gale Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Gale Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Galesburg

InstitutionScoreAssetsCapitalProblem loansCompare
Galesburg Burlington Credit UnionCredit union Galesburg, IL96 out of 100, Very strong$56.8M28.5%0.23%vs
Anderson State BankBank Oneida, IL96 out of 100, Very strong$108.9M17.3%0.00%vs
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs
Security Savings BankBank Monmouth, IL80 out of 100, Strong$241.4M13.0%0.30%vs
Community National Bank in MonmouthBank Monmouth, IL77 out of 100, Strong$55.1M13.1%0.90%vs
State Bank of ToulonBank Toulon, IL77 out of 100, Strong$343.4M10.5%0.13%vs