Credit Union Safety Analysis
Is Gideon Federal Credit Union Safe? Waukegan, Illinois
Based on its Q2 2026 NCUA 5300 call report, Gideon Federal Credit Union has a net worth ratio of 18.63%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.45%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Gideon Federal Credit Union's net worth ratio is 18.63%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.63%
- Delinquency ratio (60+ days) (Q2 2026): 4.45%
- Return on assets (Q2 2026): -0.38%
- Loan-to-share ratio (Q2 2026): 11.35%
Gideon Federal Credit Union (NCUA charter 24614, established 1999) reported $269K in assets and 280 members for Q2 2026 from Waukegan, Illinois. It ranks 180 of 185 credit unions in Illinois by total assets. Total assets were about level with $269K on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was unchanged from June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $25K of $25K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.45% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 17.00% for Q1 2026; 18.63% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 4.45% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.98% for Q1 2026; 0.52% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 5.87% for Q1 2026; 11.35% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $25K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $269K | 18.63% | 4.45% | -0.38% | 11.35% |
| March 31, 2026 | $354K | 17.00% | — | 0.98% | 5.87% |
| December 31, 2025 | $368K | 17.16% | — | 9.44% | 6.09% |
| September 30, 2025 | $266K | 19.01% | 4.55% | 0.28% | 10.36% |
| June 30, 2025 | $269K | 18.63% | 4.45% | 0.52% | 11.35% |
| March 31, 2025 | $277K | 20.61% | — | 0.37% | 11.31% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Gideon Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24614) · FFIEC NIC profile (RSSD 2799335)
Frequently asked questions
Is Gideon Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Gideon Federal Credit Union's net worth ratio is 18.63%, above the 7% NCUA threshold for well capitalized.
Is Gideon Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Gideon Federal Credit Union is a federally insured credit union (NCUA charter 24614): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Gideon Federal Credit Union's key safety ratios?
For Q2 2026, Gideon Federal Credit Union reports net worth 18.63%, delinquency 4.45%, ROA -0.38%, loan-to-share 11.35%.
What happens to my money if Gideon Federal Credit Union fails?
For Q2 2026, Gideon Federal Credit Union held $218K in shares and deposits for 280 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.