ZUnclassifiedEIN: 370694528· Ruling Year: 1948

Gale Credit Union

Galesburg, Illinois

B+Health Score
70B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 22 peers in Unclassified with $1M-$10M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org2.72×
Peer Median15.40×
💰
$2.8M
Total Revenue
📊
$2.4M
Total Expenses
🏦
$6.4M
Net Assets
📋
$50.3M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+71.0%
Year-over-year change (2022 → 2023)
Net Margin
+14.3%
Revenue minus expenses as % of revenue
Working Capital Ratio
2.72
Net assets divided by total expenses
Liabilities-to-Assets
88.7%
Total liabilities as % of total assets

Filing History

12 filings on record
YearRevenueExpensesAssets
2023$2,758,77071%$2,363,45492%$56,771,56045%
2022$1,613,031$1,230,3844%$39,198,21610%
2021$1,613,82111%$1,183,6116%$35,515,84812%
2020$1,452,34115%$1,119,5128%$31,803,56823%
2018$1,261,4175%$1,223,32327%$25,859,1592%
2017$1,329,3157%$1,685,43715%$26,410,2553%
2016$1,242,81814%$1,465,03749%$27,118,0921%
2015$1,086,80916%$980,9968%$26,804,0523%
2014$933,0252%$906,027$26,148,8751%
2013$915,6158%$902,0356%$26,367,5866%
2012$993,4418%$957,27810%$24,907,465
2011$1,082,817$1,065,073$25,005,528

Frequently Asked Questions

What does Gale Credit Union do?

Gale Credit Union is a unclassified nonprofit organization based in Illinois. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Gale Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Gale Credit Union has a score of 70/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Gale Credit Union generate?

Gale Credit Union reports $3.7M in annual revenue and holds $59.9M in total assets, based on IRS filings.

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