TellerScore

Headquartered in Rock Island, Illinois, Gas and Electric Credit Union is a federally insured state-chartered credit union with $132.1M in total assets and $117.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, Gas and Electric Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 112th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (53/100; 10.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.32%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity86/100
Loans ÷ shares: 74.3% · 6.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.43%

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 rose 3 points (69 → 72), mostly because the loan quality component improved by 7 points.

TellerScore
606672Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202467
Q4 202464
Q1 202568
Q2 202569
Q3 202569
Q4 202565
Q1 202670
Q2 202672
Net worth ratio
7.00%8.69%10.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.00%
Q3 202410.24%
Q4 202410.06%
Q1 20259.92%
Q2 202510.17%
Q3 202510.38%
Q4 202510.13%
Q1 202610.00%
Q2 202610.32%
Delinquent loans (60+ days)
0.27%0.61%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.96%
Q3 20240.47%
Q4 20240.63%
Q1 20250.45%
Q2 20250.61%
Q3 20250.70%
Q4 20250.67%
Q1 20260.27%
Q2 20260.38%
Return on assets
0.24%0.62%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.48%
Q4 20240.32%
Q1 20250.66%
Q2 20250.85%
Q3 20250.90%
Q4 20250.60%
Q1 20260.67%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$132.1M10.32%0.38%1.00%74.3%
Q1 202670$132.0M10.00%0.27%0.67%72.1%
Q4 202565$128.0M10.13%0.67%0.60%75.1%
Q3 202569$125.7M10.38%0.70%0.90%73.6%
Q2 202569$125.6M10.17%0.61%0.85%73.5%
Q1 202568$125.5M9.92%0.45%0.66%71.5%
Q4 202464$121.7M10.06%0.63%0.32%74.7%
Q3 202467$119.9M10.24%0.47%0.48%75.5%
Q2 202460$120.3M10.00%0.96%0.24%73.1%

1,341 peers · $100 million – $1 billion

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 ratio10.32%
34th
Problem loans0.38%
75th
Net charge-offs0.20%
70th
Return on assets1.00%
66th
Loans to deposits74.3%
53rd
Uninsured deposits6.1%
48th
Loan-loss reserves0.00%
50th
Texas ratio2.4%
70th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
United Community Credit UnionCredit union Quincy, IL84 out of 100, Strong$134.1M15.4%0.40%vs
Commonwealth Credit UnionCredit union Bourbonnais, IL83 out of 100, Strong$128.1M13.2%0.43%vs
Illinois State Police Federal Credit UnionCredit union Springfield, IL76 out of 100, Strong$126.9M10.3%0.01%vs
Central Credit Union of IllinoisCredit union Bellwood, IL75 out of 100, Strong$122.7M14.3%1.19%vs
Illinois Educators Credit UnionCredit union Springfield, IL59 out of 100, Moderate$120.3M10.6%0.87%vs
Landmark Credit UnionCredit union Danville, IL66 out of 100, Moderate$119.1M9.9%0.50%vs

Deposit insurance

Is my money safe at Gas and Electric Credit Union?

Yes. Gas and Electric Credit Union is a federally insured credit union (NCUA charter #65003). 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 6.1% of shares and deposits ($7.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.32%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Gas and Electric Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Gas and Electric Credit Union reported 35 home-loan applications under HMDA (LEI 549300WBJK857X8MNU96): 35 originated ($6,135,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Gas and Electric Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65003
RSSD ID
511999
Primary regulator
State + NCUA
Established
1935
Headquarters
2300 4th Ave, Rock Island, IL 61201
Employees
17

Quick answers

Gas and Electric Credit Union: common questions

Is Gas and Electric Credit Union NCUA insured?

Yes. Gas and Electric Credit Union is a federally insured credit union (NCUA charter #65003). 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 Gas and Electric Credit Union's TellerScore?

72 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 Gas and Electric Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rock Island

InstitutionScoreAssetsCapitalProblem loansCompare
Kone Employees Credit UnionCredit union Moline, IL94 out of 100, Very strong$20.7M17.5%0.55%vs
Blue Grass Savings BankBank Blue Grass, IA89 out of 100, Very strong$225.5M14.3%0.34%vs
Liberty Trust & Savings BankBank Durant, IA86 out of 100, Very strong$186.2M20.7%0.86%vs
First Central State BankBank Dewitt, IA83 out of 100, Strong$772.4M13.4%0.21%vs
Service Plus Credit UnionCredit union Moline, IL81 out of 100, Strong$34.7M12.3%0.46%vs
Union Federal Savings and Loan AssociationBank Kewanee, IL77 out of 100, Strong$145.6M16.5%0.51%vs