Gideon
Waukegan, IL · Charter 24614 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
$269KAssets
$25KLoans
$218KShares
$50KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 16 of 96).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 87 of 96).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.74%
Rank 35 of 96
Net Interest Margin
2.23%
Rank 87 of 96
Efficiency Ratio
66.67%
Rank 16 of 96
Equity / Assets
18.59%
Rank 26 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | -0.02% | 0.42% | 1.03% | Beats 64% | 35 / 96 | |
| Return on Equity | 4.00% | -0.11% | 2.94% | 6.89% | Beats 57% | 41 / 95 | |
| Net Interest Margin | 2.23% | 3.01% | 3.57% | 4.27% | Beats 9% | 87 / 96 | |
| Efficiency Ratio | 66.67% | 73.45% | 82.91% | 96.61% | Beats 85% | 16 / 96 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.00% | 0.08% | 0.86% | 1.63% | Beats 13% | 82 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.59% | 11.79% | 15.23% | 18.93% | Beats 73% | 26 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.59% | 11.79% | 15.23% | 18.93% | Beats 73% | 26 / 96 | |
| Liquidity & Funding |
| Loans / Deposits | 11.47% | 32.14% | 50.03% | 67.81% | 7th pctl | 89 / 96 | |
| Loans / Assets | 9.29% | 23.12% | 42.50% | 56.24% | 7th pctl | 89 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |