BlastPoint's Credit Union Scorecard
GATEWAY
Charter #63476 · OR
GATEWAY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
- + Loan-to-Share Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.6% YoY
- - First Mortgage Concentration (%): Bottom 2.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,968
-6.6% YoY-2.8% QoQ
|
-647 |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$28.8M
-4.0% YoY-3.3% QoQ
|
$-1.4M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$19.7M
-4.8% YoY-1.6% QoQ
|
+$3.9M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$21.8M
-6.2% YoY-4.7% QoQ
|
$-3.9M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
0.7%
+3.8% YoY-2.8% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.4%
+5.2% YoY+1.4% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
81.8%
-0.5% YoY+1.4% QoQ
|
-0.8% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.2%
+1461.2% YoY+11.0% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
90.6%
+1.5% YoY+3.2% QoQ
|
+30.0% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 9.5% in tier |
| AMR |
$21,068
+1.2% YoY-0.5% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
11.2%
+39.8% YoY+21.7% QoQ
|
-13.3% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)