BlastPoint's Credit Union Scorecard
GIDEON
Charter #24614 · IL
<100M
2508 CUs in <100M nationally
137 in IL
GIDEON has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 0.4% in tier
- + Deposit Growth Rate: Top 0.7% in tier
- + Asset Growth Rate: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -21.4% YoY
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- - Total Loans: Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Member Growth Rate: Bottom 1.8% in tier
- - Total Assets: Bottom 1.9% in tier
- - Total Deposits: Bottom 2.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
220
-21.4% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 5.2% in tier |
| Assets |
$353,531
+27.8% YoY-3.8% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.9% in tier |
| Loans |
$17,210
-30.6% YoY-7.0% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.2% in tier |
| Deposits |
$293,109
+33.7% YoY-3.7% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.1% in tier |
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| ROA |
1.0%
+175.4% YoY-67.3% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
68% |
| NIM |
2.1%
-33.8% YoY-14.8% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.0% in tier |
| Efficiency Ratio |
61.7%
-30.5% YoY+32.6% QoQ
|
-28.9% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Top 14.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
5.9%
-48.1% YoY-3.5% QoQ
|
-52.6% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.2% in tier |
| AMR |
$1,411
+61.8% YoY-3.8% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
12
AMR Growth Rate
growth
Value:
61.85%
Peer Median: 1.27%
#12 of 2508
Top 0.4% in <100M tier
19
Deposit Growth Rate
growth
Value:
33.70%
Peer Median: 0.66%
#19 of 2508
Top 0.7% in <100M tier
23
Asset Growth Rate
growth
Value:
27.84%
Peer Median: 1.30%
#23 of 2508
Top 0.9% in <100M tier
351
Efficiency Ratio
profitability
Value:
61.69%
Peer Median: 81.45%
#351 of 2508
Top 14.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (12 metrics)
2480
Loan-to-Member Ratio (LMR)
engagement
Value:
$78.23
Peer Median: $4,923
#2480 of 2508
Bottom 1.2% in <100M tier
2479
Total Loans
balance_sheet
Value:
$17,210
Peer Median: $9.48M
#2479 of 2508
Bottom 1.2% in <100M tier
2476
Loan-to-Share Ratio
balance_sheet
Value:
5.87%
Peer Median: 58.72%
#2476 of 2508
Bottom 1.3% in <100M tier
2467
Average Member Relationship (AMR)
engagement
Value:
$1,411
Peer Median: $13,926
#2467 of 2508
Bottom 1.7% in <100M tier
2463
Member Growth Rate
growth
Value:
-21.43%
Peer Median: -1.37%
#2463 of 2508
Bottom 1.8% in <100M tier
2461
Total Assets
balance_sheet
Value:
$353,531
Peer Median: $21.86M
#2461 of 2508
Bottom 1.9% in <100M tier
2455
Total Deposits
balance_sheet
Value:
$293,109
Peer Median: $18.77M
#2455 of 2508
Bottom 2.2% in <100M tier
2444
Loan Growth Rate
growth
Value:
-30.62%
Peer Median: -2.36%
#2444 of 2508
Bottom 2.6% in <100M tier
2408
Net Interest Margin (NIM)
profitability
Value:
2.06%
Peer Median: 3.83%
#2408 of 2508
Bottom 4.0% in <100M tier
2378
Total Members
engagement
Value:
220
Peer Median: 1,918
#2378 of 2508
Bottom 5.2% in <100M tier