# GAS AND ELECTRIC
ROCK ISLAND, IL · NCUA charter 65003 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gas-and-electric-65003

Who the members are: state charter, organized 1935. 5,533 members of 12,000 potential (46.1% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 286.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $132.0M |
| Members | 5,533 (-0.8% YoY) |
| Full-time staff | 16 |
| Net worth | $13.2M |
| Net worth ratio | 10.0% (p27 of band) |
| ROA (annualized) | 0.67% (p49 of band) |
| Total delinquency | 0.27% (p21 of band) |
| Net charge-offs (annualized) | 0.27% (p41 of band) |
| Loans / shares | 72% (p55 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p14 of band) |
| Operating expense / assets | 2.79% (p20 of band) |
| Vehicles % of loans | 26% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p35 of band) |
| Vehicle delinquency | 0.31% (p31 of band) |
| Vehicle NCO | 0.72% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 32% |
| Average share balance | $8,977 |
| Participations bought / yr | $1.2M |
| Participations sold / yr | $689,656 |
| Participations outstanding | $4.2M |
| Loans outstanding per 100 members | 286% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $5,366 |
| Loans granted, annualized | $28.6M |

## Participation posture (from the same filings)

Bought $1.2M and sold $689,656 in the latest annualized quarter; $4.2M outstanding purchased (31.6% of net worth), $19,157 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 3 | net worth falling, losing money, margin squeeze | delinquency rising |
| 2020-06 | 2 |  | losing money |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 0 |  | margin squeeze |
| 2021-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2021-06 | 1 |  | delinquency rising |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | losing money |  |
| 2022-09 | 2 | assets shrinking | losing money |
| 2022-12 | 0 |  | delinquency 2x band, assets shrinking |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 1 | delinquency rising | net worth falling |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-21 [Second Saturdays Presented by Gas & Electric Credit Union Returns to Downtown Rock Island | June 13, July 11, August 8, September 12, and October 10, 2026 - River Cities' Reader](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNbVp1TnA4RmZ1UEw5eUZZN1VUXzhtSl9YZU51VndLZGFJZldhcTBKRjkxMlNKLUFUaWEtN3FrT3VBOFB3UXhfUFBSanlvS1o4ZTJTTmtpTnZ4dGtJZk1yNXFkbFZCUE9BNzVEYjg0dmpEcXR1UC12Um9hemVzYjhYWFJrUFRDbVlsR0gxeThmMVgtSXRjTjlhVjJpdEVaaHhxM1NDdXVMUE5ZN1B2d2VIZXBteTJ0cXdVeExyUVBIOWdSWmM?oc=5) · River Cities' Reader
- 2026-07-10 [UPDATE: Man wanted after vehicle strikes GECU building, Rock Island - OurQuadCities](https://news.google.com/rss/articles/CBMikgFBVV95cUxNT3dpWlBoa2FvQURMY0h1dnNkakkyLW12cFlPTk5La2ROeTV4T3JiaUR2LUVjLWo5d2sxQ1U2OWtsRzAyV1E1WlpCQktWRjRQa2pLam1zTFJhNDRUUV8wdVV3UWh4TUN4Q0ltMTdueHN6MTAtZmxyOVBvQjllOHRRaHpZYjdWQ3NkOHdEbV9zb3FVZ9IBlwFBVV95cUxPMlRYM1VzQm4zdGNSZ05wbER6czJNaExfWWUwcS1uejJYZkVidVlsSGRlX1R1NlZTM2NCR3ZZTEJrZG5INW5aQ0twakpfQVFNS2lhcVV2YTZVUDRMdWVoS2pqeGR6TE12SDRQVUxLaDVKYUFVN1FhN0NkQXZoX3FkRkoxUjVRT1RhOVF3Q2pKYmtWV3BRYVg0?oc=5) · OurQuadCities
- 2026-07-10 [Police searching for man accused of driving into a Rock Island credit union - WQAD](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQb3BxamZTT3AyTVppMmxodlQ5T2VWRHdlYkRHTm82WFNJNm1STEJqODNoT0xFWjBFZHpWS0FoczVRakM5ck83aW96TkM4SFFDSVdyMlhRRmUyVXQxN3BLVUxMYmNFUGpEZ1BKYlp1T0J0REFXc3VLQlhucjUtOFpFSmcxSFVUOGFWN183aUlvVzZDVGF5MEVnODNWNkNOSjBnZDV5V292MEwtOEZDU2NIY2ItNHBsN2dqanlxSDh0eklvSllrTGtMMWw5cWplN0pCV1l1azlVNHJQZw?oc=5) · WQAD
- 2026-04-23 [Brett Christopher Klauer Obituary May 30, 2015 - wheelanpressly.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9jUklFakQzM2hRWkhjNkxzdFJfQ1hWWDZWM3ZwMDR3Z3Z4R2xwM0VsSjFTUlJ0dERJdnlfaC14YWpFRS1wd25kSUdtRHdtVFlNMEdIRGZNcndKY0NFWGFjbmRUVTI?oc=5) · wheelanpressly.com
- 2022-04-08 [Police identify 3 arrested in Davenport following armed robbery in Rock Island - KWQC](https://news.google.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?oc=5) · KWQC
- 2023-03-17 [Richard L. "Dick" Loos Obituary Mar 17, 2023 - hmdfuneralhome.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1vbkhyR3E0WkY5WHo4VTl1d2F1cGRGUk03dkN1bU5ZN29tRkJPZVRWNzFINS1wMmdmVUVVcFdPUlpXOE1RWUNxR0dIMXdwRl8tNTVoQjNpR3d5V2pXNmRubVF1Q3Y?oc=5) · hmdfuneralhome.com
- 2022-04-07 [Rock Island police identify 3 suspects in armed credit union robbery - WQAD](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPZ2UzcWdKb3RSTXBmY3ZwYU1WdVpzRFZ3Yk01a1l0bjl1cEQ3azFocmpMYzREVThUbjBwRXVSVWpNZUdkWHRWU0EtcVFlanFabVNZZ2tmTHlGZDV0RE5EMTdTRHlPa0s5U3k5bXZXVDJ2bkFaRWVZVHQxVHU0RzVBclFMMWJZaVlLak05eXFBRjFGU3ZqQlJ0d0lEOTNZeHFGM2NyQWFVZk1yQmo3VUtkN2NmaDFHNF9DVkN4R05rb045dTZFZVI1YXlDcmFMSGRBRG1Dekc5bw?oc=5) · WQAD
- 2022-06-28 [A Deceased CEO, A Big Staff Departure, No Payout Despite High Capital & A ‘We Like Them’ Partner: Here’s the Latest on 8 Proposed CU Mergers / Fresh Today / CUToday.info - cutoday.info](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPSTBPVFNTZ3dBaFA0SHVwZGI0UXFzUlFJanZ0a01mOW9LaVlKbERscmp5T05rSXIyaWpFMWhZamZjc3lkeWl3V1hlWHRqWmNIOUtyUHRURTlZWF8zNEYzVVp4aVVncUJCUUlFTnRWbHgtWDRoZFRKb3VtbURDSW80aVlEM3poUGhnWWtSWTFZRXlYUUx6SVlqU1MwRTNlZU9vQlBnUEtkUnVEOFFuRVhqNVg3MTV0d1FsXzdFM3Y1cVBaSW1ac0ZZRmhUMmt3QUIwZEVLR3FBektuWkZUTEZaaU5KNzdxM1pfd3VtVTltdGF1T2ltVWRUOHZWV01UcFU?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65003 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/43.json (key "65003", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=65003
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide