# GIDEON
Waukegan, IL · NCUA charter 24614 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gideon-24614

Who the members are: federal charter, associational, organized 1998, low-income designated, minority depository institution. 220 members of 1,000 potential (22.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 4.

**Verdict on the desk:** this could be *quiet fade*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $353,531 |
| Members | 220 (-21.4% YoY) |
| Full-time staff | 0 |
| Net worth | $60,113 |
| Net worth ratio | 17.0% (p62 of band) |
| ROA (annualized) | 0.98% (p69 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 6% (p2 of band) |
| Cash / assets | 98.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.06% (p5 of band) |
| Operating expense / assets | 1.57% (p6 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 100% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $1,119 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 4% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $1,912 |
| Loans granted, annualized | $11,044 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 2 |  | delinquency 2x band, net worth falling |
| 2017-03 | 1 |  | losing money |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 2 | loan book shrinking | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | assets shrinking | thin capital |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | loan book shrinking |
| 2020-03 | 2 | loan book shrinking |  |
| 2020-06 | 0 |  | assets shrinking, loan book shrinking |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | loan book shrinking |  |
| 2021-03 | 4 | losing money, margin squeeze, assets shrinking |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 | net worth falling | loan book shrinking |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 1 |  | assets shrinking |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | assets shrinking | losing money |
| 2022-12 | 3 | losing money, delinquency 2x band, delinquency rising | assets shrinking |
| 2023-03 | 4 | auto monoline |  |
| 2023-06 | 3 |  | auto monoline |
| 2023-09 | 2 |  | losing money |
| 2023-12 | 2 | assets shrinking, members leaving | delinquency 2x band, delinquency rising |
| 2024-03 | 0 |  | assets shrinking, members leaving |
| 2024-06 | 1 | members leaving |  |
| 2024-09 | 2 | assets shrinking |  |
| 2024-12 | 0 |  | members leaving, assets shrinking |
| 2025-03 | 2 | assets shrinking, members leaving |  |
| 2025-06 | 5 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 3 | charge-offs p90, loan book shrinking | assets shrinking, margin squeeze, delinquency 2x band, delinquency rising |
| 2026-03 | 4 | net worth falling, margin squeeze | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-27 [Opal D. Rice Obituary (2026) - Gurnee, IL - Warren Funeral Home, Cemetery & Mausoleum - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTFBNYy1WRHlpdWxRdXdVZGwzSWhPYUs4bGUyVmJSdGZEVjVlSFc5Ukk2Tm16Vm0yOGwzS01nVDM2VThwQ3VjekFDSlN2Y01GY1IxUk42QmtOX1ZFc24zYWlROHNuNDhyclNhZzRQQ1JVMzlrYkJyVWp4M0pFNTk?oc=5) · Legacy obituary
- 2025-10-06 [Ronald L Howard Obituary - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBiSFN5cTZ4Z0oxblFmU3lTS2tQUXcxZDVRT3dvXzF6UWVNWmo3MGU3NnBCZWphYkxNQ1BndS1BSjVFbk1GejhJOVdWTWFId2h2TnlqQ1ZWcnNLNFVXUnNMMWwwdUU?oc=5) · Freeport Journal-Standard
- 2024-06-14 [Roy Wehmhoefer Obituary - Homewood, IL - Chicago Tribune](https://news.google.com/rss/articles/CBMie0FVX3lxTE9JTDhlN3NzQlFBUFhQZEwxSVk0RjRLaFJXLWZqdE9COUN3NDB5eXF2bldhTC1KTjhJTWJZNTFHRGVfYkt6TkJ2X3ZibVRibVRNYU5hRjJBVU5hclZXUGVfWUJxOWRpQ2FpUDFDYlo0M185NHIyeUp5VkszUQ?oc=5) · Chicago Tribune
- 2006-11-29 [Alexis Gideon previewed - Illinois Entertainer](https://news.google.com/rss/articles/CBMickFVX3lxTE1iRG5nU19nZ0NwWDZsNU9PTFNiV25KQld3VmhQYXdNUGtScUU0SlN3eU9JUW9WdTFwU19sNUFoX2FkMDlmdFVpc0VHTUxwdHJIOU15NXUyUVE5MVAtWEF1V016QlBEallvZUViLU41LVdIZw?oc=5) · Illinois Entertainer
- 2019-11-01 [Willie Duncan Obituary (1928 - 2019) - Waukegan, IL - Lake County News Sun - Legacy obituary](https://news.google.com/rss/articles/CBMingFBVV95cUxNQU8yX0NYZzBZZFVKVHB6eHVRZmhIdmRFZHlDMTIxVVpuSWVVVUpESlAzYUJVLTRjeVNKVkxZRkhzRzdGVmdCTTBnbzd0dHpkbGFrOVl1MV9HclhVeEJRU2FLNWdCRmVJN3YxTl9HTEpSQWdsR2xvdkJqd1hyMTdHcGxCV1JTdzhnc3VKLWszT05JbnljYUFZeXE4NFZXUQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24614 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/38.json (key "24614", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24614
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide