State credit union · ROCK ISLAND, Illinois · NCUA charter #65003
Gas and Electric
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $128.0M
- Total assets
- 5,526
- Members
- 10.0%
- Net-worth ratio
Gas and Electric scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $128.0M; members 5,526; net-worth ratio 10.00%; health rank #1,693 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,693 of 4,374 health · 2025Q4Gas and Electric · health 87/100 · $128.0M · 2025Q4
Call Report peers
Gas and Electric in the assets neighbourhood
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Gas and Electric vs every NCUA-scored credit union
Gas and Electric sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Where Gas and Electric diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +2.92 pp (75.12% vs 72.20%).
- Net Worth Ratio trails the peer set - 10.00% here, 12.11% peer average (-2.11 pp).
Illinois standing for Gas and Electric
- Illinois health ordinal: #67 of 192.
- By total assets, Gas and Electric is #45 of 192 in Illinois.
- Membership ranks #63 of 192 among Illinois CUs with a reported count (5,526 members).
- One place up in Illinois, ABRI (#66) ties at 87/100; one place down, CORNERSTONE (#68) ties at 87/100.
Quarter path for Gas and Electric
Gas and Electric: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $128.0M (2025Q4) to $132.0M (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.13% → 10.00%).
At 10.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Gas and Electric gives up 13 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 12.1 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Gas and Electric
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.00% | -2.11 pp |
| Delinquency Rate | 0.67% | -0.22 pp |
| Return on Assets | 0.31% | -0.31 pp |
| Member Growth | -1.39% | - |
| Loan-to-Share Ratio | 75.12% | +2.92 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Gas and Electric
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $132.0M | - |
| 2025Q4 | $128.0M | 5,526 |
| 2024Q4 | $121.7M | 5,604 |
| 2023Q4 | $116.5M | 5,701 |
Credit Union Details
- Charter Number
- 65003
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- ROCK ISLAND
- Data Quarter
- 2025Q4
Branch Locations (2)
Gas and Electric operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | ROCK ISLAND, IL |
| Moline Branch | Moline, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Gas and Electric nationwide neighbourhoods
Similar total assets
Using this data
- Gas and Electric ranks #1,693 of 4,374 nationally on financial health and #67 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Community
Frequently Asked Questions
Is Gas and Electric financially healthy?
On its 2025Q4 NCUA 5300 filing, Gas and Electric scores 87/100 (Excellent), with a 10.00% net worth ratio and 0.67% of loans delinquent. It ranks #1,693 of 4,374 nationally on health and #67 of 192 in Illinois.
How does Gas and Electric compare to other credit unions?
Gas and Electric scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (75.12% vs 72.20%). Its widest shortfall is net worth ratio (10.00% vs 12.11%).
How can I join Gas and Electric?
Membership eligibility for Gas and Electric depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Gas and Electric directly for current membership requirements and application steps.
Is my money safe at Gas and Electric?
Gas and Electric is a state-chartered credit union; its shares are federally 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. Gas and Electric's net worth ratio of 10.00% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.