State credit union · Galesburg, Illinois · NCUA charter #60327
GALE
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $67.6M
- Total assets
- 4,702
- Members
- 11.1%
- Net-worth ratio
GALE scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.6M; members 4,702; net-worth ratio 11.11%; health rank #1,991 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,991 of 4,374 health · 2025Q4GALE · health 85/100 · $67.6M · 2025Q4
- RANK 85/100
- PHOTO 11.1%
- BOOK 0.38%
- CHARTER 0.69%
- NCUSIF $67.6M
- CAMELS 4,702
- HEALTH #1,991/4,374
- NW Healthcare Plus
- DELQ 60327
Call Report peers
GALE in the assets neighbourhood
GALE's $67.6M assets sit next to Healthcare Plus ($67.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GALE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
GALE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60327: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
GALE: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 72.86% vs peer 62.60% (+10.26 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.51 pp (11.11% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where GALE sits in Illinois
- In Illinois, health place is #89 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, GALE is #64 of 192 in Illinois.
- Illinois membership ordinal: #68 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GALE: 2025Q4 → 2026Q1
GALE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $67.6M (2025Q4) to $69.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.10% → 11.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for GALE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.11% | -2.51 pp |
| Delinquency Rate | 0.38% | -0.58 pp |
| Return on Assets | 0.69% | +0.03 pp |
| Member Growth | -6.04% | - |
| Loan-to-Share Ratio | 72.86% | +10.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - GALE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $69.0M | - |
| 2025Q4 | $67.6M | 4,702 |
| 2024Q4 | $59.9M | 5,004 |
| 2023Q4 | $56.8M | 5,134 |
Credit Union Details
- Charter Number
- 60327
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Galesburg
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, GALE runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Main - Gale Credit Union (Main Office) | Galesburg, IL |
| Branch - Tazewell Area Credit Union | Pekin, IL |
| Branch - Kemba Peoria Credit Union | Peoria, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
GALE nationwide neighbourhoods
Two NCUA Call Report peer sets for GALE, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($67.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- GALE ranks #1,991 of 4,374 nationally on financial health and #89 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Equity is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Equity
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is GALE financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - GALE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,991 of 4,374; by total assets it ranks #2,169 of 4,374 nationally (same basis as /rankings/largest); and #64 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.11% net worth ratio and 0.38% delinquency rate are the key drivers.
How does GALE compare to other credit unions?
PlainCU's health composite puts GALE at 85/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join GALE?
Membership eligibility for GALE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GALE directly for current membership requirements and application steps.
Is my money safe at GALE?
Federal credit unions like GALE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. GALE's net worth ratio of 11.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GALE offer compared to banks?
Credit unions like GALE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact GALE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.