State credit union · Galesburg, Illinois · NCUA charter #65712
Galesburg Burlington
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $54.1M
- Total assets
- 3,305
- Members
- 27.3%
- Net-worth ratio
Galesburg Burlington - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65712: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Galesburg Burlington - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)95
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
27.28% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 27.28% | 30% |
| Delinquency Rate | 0.22% | 25% |
| Return on Assets | 0.95% | 15% |
| Member Growth | -0.72% | 15% |
| Loan-to-Share Ratio | 66.33% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $54.1M | 3,305 |
| 2024Q4 | $50.4M | 3,329 |
| 2023Q4 | $49.1M | 3,321 |
Credit Union Details
- Charter Number
- 65712
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Galesburg
- Data Quarter
- 2025Q4
What This Data Says About Galesburg Burlington
Galesburg Burlington is a state credit union headquartered in Galesburg, Illinois, serving 3,305 members with $54.1M in total assets and $25.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 92/100 (Excellent), anchored by a net worth ratio of 27.28% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #65712 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.22% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 66.33% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.95% on net income of $513K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.72%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Galesburg Burlington financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Galesburg Burlington's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 27.28% net worth ratio and 0.22% delinquency rate are the key drivers.
How does Galesburg Burlington compare to other credit unions?
Five weighted metrics from NCUA filings produce Galesburg Burlington's 92/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Galesburg Burlington?
Membership eligibility for Galesburg Burlington depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Galesburg Burlington directly for current membership requirements and application steps.
Is my money safe at Galesburg Burlington?
Federal credit unions like Galesburg Burlington 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. Galesburg Burlington's net worth ratio of 27.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Galesburg Burlington offer compared to banks?
Credit unions like Galesburg Burlington 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 Galesburg Burlington directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.