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
- RANK 87/100
- PHOTO 10.0%
- BOOK 0.67%
- CHARTER 0.31%
- NCUSIF $128.0M
- CAMELS 5,526
- HEALTH #1,693/4,374
- NW Sunrise Family
- DELQ 65003
Call Report peers
Gas and Electric in the assets neighbourhood
Gas and Electric's $128.0M assets sit next to Sunrise Family ($128.2M) 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.
Gas and Electric 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
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
Gas and Electric - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65003. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Gas and Electric
Gas and Electric: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $128.0M (2025Q4) to $132.0M (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.13% → 10.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Gas and Electric, 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 ($128.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 Gas and Electric financially healthy?
A 10.00% net worth ratio and a 0.67% delinquency rate feed into Gas and Electric's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,693 of 4,374; by total assets it ranks #1,617 of 4,374 nationally (same basis as /rankings/largest); and #45 of 192 within Illinois. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Gas and Electric compare to other credit unions?
Five weighted metrics from NCUA filings produce Gas and Electric's 87/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like Gas and Electric 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. Gas and Electric's net worth ratio of 10.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gas and Electric offer compared to banks?
Credit unions like Gas and Electric 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 Gas and Electric 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.