Federal credit union · Waukegan, Illinois · NCUA charter #24614
GIDEON
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $368K
- Total assets
- 220
- Members
- 17.0%
- Net-worth ratio
GIDEON scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $368K; members 220; net-worth ratio 17.00%; health rank #3,451 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,451 of 4,374 health · 2025Q4GIDEON · health 72/100 · $368K · 2025Q4
Call Report peers
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GIDEON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GIDEON sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
GIDEON vs Under $2M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Largest lag: Loan-to-Share Ratio at 6.09% vs peer 52.70% (-46.61 pp).
GIDEON: in-state Call Report ranks
- Illinois health ordinal: #152 of 192.
- Illinois assets place: #184 of 192.
- Member book place in Illinois: #178 of 192.
- One place up in Illinois, Acme Continental (#151) ties at 72/100; one place down, St. Martin De Porres Parish (#153) ties at 72/100.
GIDEON Call Report trajectory
GIDEON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.8% from $368K (2025Q4) to $354K (2026Q1).
- Net-worth ratio shifted -0.16 pp (17.16% → 17.00%).
17.00% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
GIDEON gives up 28 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 6.9 pts
GIDEON health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.00% | -5.93 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.17% | -0.05 pp |
| Member Growth | -49.43% | - |
| Loan-to-Share Ratio | 6.09% | -46.61 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $354K | - |
| 2025Q4 | $368K | 220 |
| 2024Q4 | $300K | 435 |
| 2023Q4 | $300K | 435 |
Credit Union Details
- Charter Number
- 24614
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Illinois
- City
- Waukegan
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, GIDEON runs 5 offices in 2 different cities.
| Office | City |
|---|---|
| Gideon FCU (Main Office) | Waukegan, IL |
| Disaster Recovery Location | North Chicago, IL |
| Location of Records | North Chicago, IL |
| Gideon Baptist Church | Waukegan, IL |
| GFCU | Waukegan, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- GIDEON ranks #3,451 of 4,374 nationally on financial health and #152 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Shiloh Englewood is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Shiloh Englewood
Frequently Asked Questions
Is GIDEON financially healthy?
GIDEON has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,451 of 4,374 nationally on health and #152 of 192 in Illinois. Its net worth ratio is 17.00% and its delinquency rate 0.00%.
How does GIDEON compare to other credit unions?
GIDEON scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (6.09% vs 52.70%).
How can I join GIDEON?
GIDEON operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact GIDEON directly for the exact boundaries and application steps.
Is my money safe at GIDEON?
GIDEON is a federal 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. GIDEON's net worth ratio of 17.00% 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.