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
- NCUSIF 72/100
- CAMELS 17.0%
- HEALTH 0.00%
- NW 0.17%
- DELQ $368K
- ROA 220
- ASSETS #3,451/4,374
- MEM n/a
- RANK 24614
Call Report peers
GIDEON carries $368K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GIDEON 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
72 20th percentile higher than 20% 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
GIDEON - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24614. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GIDEON Call Report trajectory
GIDEON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.8% from $368K (2025Q4) to $354K (2026Q1).
- Net-worth ratio shifted -0.16 pp (17.16% → 17.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
GIDEON's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
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
- 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 GIDEON financially healthy?
GIDEON has a financial health score of 72/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,451 of 4,374; by total assets it ranks #4,321 of 4,374 nationally (same basis as /rankings/largest); and #184 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.00% and delinquency rate of 0.00%.
How does GIDEON compare to other credit unions?
On PlainCU's health composite, GIDEON lands at 72/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like GIDEON 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. GIDEON's net worth ratio of 17.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GIDEON offer compared to banks?
Credit unions like GIDEON 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 GIDEON 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.