BlastPoint's Credit Union Scorecard

GATEWAY METRO

Charter #24797 · MO

100M-500M

1070 CUs in 100M-500M nationally 25 in MO

GATEWAY METRO faces 8 concerns requiring attention

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 7.95% below tier average
- Efficiency ratio 200.87% above tier (higher cost structure)
- Delinquency rate 0.20% above tier average
- Member decline: -4.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	9,510 -4.5% YoY-1.5% QoQ	-5.6K	15,145 -2.5% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	29%
Assets	$177.1M +1.3% YoY+2.3% QoQ	$-54.6M	$231.7M +0.8% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	42%
Loans	$96.9M -1.9% YoY-1.9% QoQ	$-47.3M	$144.1M +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	35%
Deposits	$165.6M +1.5% YoY+2.9% QoQ	$-35.6M	$201.1M +0.4% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-7.2% +2323.1% YoY+3852.7% QoQ	-7.9%	0.7% +5.1% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	Bottom 0.1% in tier
NIM	3.1% -0.6% YoY-4.7% QoQ	-0.5%	3.6% +4.6% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	278.9% +169.7% YoY+179.0% QoQ	+200.9%	78.0% -1.7% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	Bottom 0.2% in tier
Delinquency Rate	1.0% -5.9% YoY-2.1% QoQ	+0.2	0.8% +7.1% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	75%
Loan To Share	58.5% -3.4% YoY-4.7% QoQ	-11.9%	70.4% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	24%
AMR	$27,594 +5.0% YoY+2.6% QoQ	+$3K	$24,918 +2.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	73%
CD Concentration	14.8% +2.9% YoY+0.1% QoQ	-9.5%	24.3%	18.1%	19.8%	50%
Indirect Auto %	3.5% -18.1% YoY-2.3% QoQ	-10.3%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#91 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.50%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.92%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.98%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#148 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.50%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#129 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $177.12M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -4.50%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.92%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#342 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 278.89%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -6.92% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -4.50%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

217

Fee Income Per Member

profitability

Value: $213.86

Peer Median: $154.95

#217 of 1070 Top 20.2% in 100M-500M tier

231

Share Certificate Concentration (%)

balance_sheet

Value: 14.75%

Peer Median: 23.10%

#231 of 1070 Top 21.5% in 100M-500M tier

Top Weaknesses (9 metrics)

1070

Return on Assets (ROA)

profitability

Value: -7.22%

Peer Median: 0.69%

#1070 of 1070 Bottom 0.1% in 100M-500M tier

1069

Efficiency Ratio

profitability

Value: 278.89%

Peer Median: 78.68%

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1069

Net Worth Ratio

risk

Value: 5.92%

Peer Median: 11.45%

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1058

Members Per Employee (MPE)

engagement

Value: 172.909

Peer Median: 309.176

#1058 of 1070 Bottom 1.2% in 100M-500M tier

945

Member Growth Rate

growth

Value: -4.50%

Peer Median: -0.06%

#945 of 1070 Bottom 11.8% in 100M-500M tier

884

First Mortgage Concentration (%)

balance_sheet

Value: 47.47%

Peer Median: 29.47%

#884 of 1070 Bottom 17.5% in 100M-500M tier

835

Net Interest Margin (NIM)

profitability

Value: 3.14%

Peer Median: 3.62%

#835 of 1070 Bottom 22.1% in 100M-500M tier

827

Loan Growth Rate

growth

Value: -1.92%

Peer Median: 2.93%

#827 of 1070 Bottom 22.8% in 100M-500M tier

812

Loan-to-Share Ratio

balance_sheet

Value: 58.51%

Peer Median: 71.88%

#812 of 1070 Bottom 24.2% in 100M-500M tier