GIDEON
Charter #24614 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
GIDEON has 5 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Delinquency rate 3.04% above tier average
- - Member decline: -36.7% YoY
- - Member Growth Rate: Bottom 0.8% in tier
- - Average Member Relationship (AMR): Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Total Loans: Bottom 1.5% in tier
- - Total Assets: Bottom 1.5% in tier
- - Total Deposits: Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Net Interest Margin (NIM): Bottom 2.8% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 5.7% in tier
- - Deposit Growth Rate: Bottom 6.3% in tier
- - Total Members: Bottom 6.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - Asset Growth Rate: Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
260
-36.7% YoY-7.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 6.7% in tier |
| Assets |
$265,590
-8.2% YoY-1.2% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.5% in tier |
| Loans |
$22,144
-7.3% YoY-10.7% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.4% in tier |
| Deposits |
$213,755
-11.0% YoY-2.1% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.8% in tier |
| ROA |
0.4%
-73.9% YoY-11.4% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
32nd in tier |
| NIM |
1.8%
-40.7% YoY-6.4% QoQ
|
-2.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
78.3%
+57.2% YoY+1.4% QoQ
|
-3.1% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
50th in tier |
| Delinquency Rate |
4.6%
+2.2% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 6.9% in tier |
| Loan To Share |
10.4%
+4.1% YoY-8.8% QoQ
|
-50.9% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.8% in tier |
| AMR |
$907.3
+41.2% YoY+4.4% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
22
AMR Growth Rate
growth
Value:
41.20%
Peer Avg: 4.67%
#22 of 2596
Top 0.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (14 metrics)
2575
Member Growth Rate
growth
Value:
-36.74%
Peer Avg: 14.92%
#2575 of 2596
Bottom 0.8% in <100M tier
2571
Average Member Relationship (AMR)
engagement
Value:
$907.30
Peer Avg: $14,627
#2571 of 2596
Bottom 1.0% in <100M tier
2563
Loan-to-Member Ratio (LMR)
engagement
Value:
$85.17
Peer Avg: $5,488
#2563 of 2596
Bottom 1.3% in <100M tier
2559
Total Loans
balance_sheet
Value:
$22,144
Peer Avg: $15.77M
#2559 of 2596
Bottom 1.5% in <100M tier
2558
Total Assets
balance_sheet
Value:
$265,590
Peer Avg: $29.86M
#2558 of 2596
Bottom 1.5% in <100M tier
2549
Total Deposits
balance_sheet
Value:
$213,755
Peer Avg: $25.45M
#2549 of 2596
Bottom 1.8% in <100M tier
2545
Loan-to-Share Ratio
balance_sheet
Value:
10.36%
Peer Avg: 61.23%
#2545 of 2596
Bottom 2.0% in <100M tier
2525
Net Interest Margin (NIM)
profitability
Value:
1.78%
Peer Avg: 3.93%
#2525 of 2596
Bottom 2.8% in <100M tier
2485
Members Per Employee (MPE)
engagement
Value:
65.000
Peer Avg: 365.701
#2485 of 2596
Bottom 4.3% in <100M tier
2448
Fee Income Per Member
profitability
Value:
$0.32
Peer Avg: $182.96
#2448 of 2596
Bottom 5.7% in <100M tier