BlastPoint's Credit Union Scorecard
GIDEON
Charter #24614 · IL
<100M
2556 CUs in <100M nationally
138 in IL
GIDEON has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.37% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + AMR Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 1.3% in tier
- + Deposit Growth Rate: Top 1.9% in tier
- + Efficiency Ratio: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -49.4% YoY
- - Member Growth Rate: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.1% in tier
- - Loan-to-Share Ratio: Bottom 1.1% in tier
- - Total Loans: Bottom 1.3% in tier
- - Net Charge-Off Rate: Bottom 1.5% in tier
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - Total Assets: Bottom 2.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
220
-49.4% YoY-15.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 5.2% in tier |
| Assets |
$367,650
+22.4% YoY+38.4% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.1% in tier |
| Loans |
$18,512
-13.2% YoY-16.4% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.2% in tier |
| Deposits |
$304,218
+19.9% YoY+42.3% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
3.0%
+1304.1% YoY+659.5% QoQ
|
+2.4% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 1.5% in tier |
| NIM |
2.4%
+19.3% YoY+35.3% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.8% in tier |
| Efficiency Ratio |
46.5%
-48.0% YoY-40.6% QoQ
|
-36.1% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
6.1%
-27.6% YoY-41.3% QoQ
|
-54.5% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$1,467
+132.0% YoY+61.7% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
4
AMR Growth Rate
growth
Value:
131.99%
Peer Median: -
#4 of 2556
Top 0.1% in <100M tier
33
Asset Growth Rate
growth
Value:
22.38%
Peer Median: -
#33 of 2556
Top 1.3% in <100M tier
38
Return on Assets (ROA)
profitability
Value:
2.99%
Peer Median: -
#38 of 2556
Top 1.4% in <100M tier
50
Deposit Growth Rate
growth
Value:
19.89%
Peer Median: -
#50 of 2556
Top 1.9% in <100M tier
81
Efficiency Ratio
profitability
Value:
46.51%
Peer Median: -
#81 of 2556
Top 3.1% in <100M tier
Top Weaknesses (12 metrics)
2544
Member Growth Rate
growth
Value:
-49.43%
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2529
Loan-to-Member Ratio (LMR)
engagement
Value:
$84.15
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2528
Loan-to-Share Ratio
balance_sheet
Value:
6.09%
Peer Median: -
#2528 of 2556
Bottom 1.1% in <100M tier
2525
Total Loans
balance_sheet
Value:
$18,512
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2518
Net Charge-Off Rate
risk
Value:
5.62%
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2512
Average Member Relationship (AMR)
engagement
Value:
$1,467
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2503
Total Assets
balance_sheet
Value:
$367,650
Peer Median: -
#2503 of 2556
Bottom 2.1% in <100M tier
2496
Total Deposits
balance_sheet
Value:
$304,218
Peer Median: -
#2496 of 2556
Bottom 2.4% in <100M tier
2453
Members Per Employee (MPE)
engagement
Value:
55.000
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier
2424
Total Members
engagement
Value:
220
Peer Median: -
#2424 of 2556
Bottom 5.2% in <100M tier