BlastPoint's Credit Union Scorecard

GATEWAY

Charter #63476 · OR

<100M

2508 CUs in <100M nationally 17 in OR

GATEWAY has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.51% above tier average
+ Loan-to-Member Ratio (LMR): Top 8.1% in tier

Key Concerns

Areas that may need attention

- Member decline: -5.6% YoY
- First Mortgage Concentration (%): Bottom 2.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	1,959 -5.6% YoY-0.5% QoQ	-717	2,676 +1.6% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	51%
Assets	$30.4M +3.4% YoY+5.8% QoQ	+$241K	$30.2M +1.3% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	60%
Loans	$19.6M -4.0% YoY-0.5% QoQ	+$4.3M	$15.3M -2.0% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	70%
Deposits	$23.4M +3.4% YoY+7.5% QoQ	$-2.4M	$25.8M +0.7% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	57%

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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	0.7% -2.8% YoY-1.0% QoQ	+0.5%	0.1% -77.6% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	52%
NIM	3.4% +2.1% YoY-0.6% QoQ	-0.6%	4.0% +4.0% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	31%
Efficiency Ratio	79.9% -3.7% YoY-2.2% QoQ	-10.7%	90.6% +6.5% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	0.3% +50.3% QoQ	-1.2	1.5% +3.8% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	33%
Loan To Share	83.9% -7.1% YoY-7.4% QoQ	+25.4%	58.5% -3.0% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	Top 14.2% in tier
AMR	$21,946 +5.8% YoY+4.2% QoQ	+$7K	$14,884 -1.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	84%
CD Concentration	12.3% +51.1% YoY+9.9% QoQ	-12.0%	24.3%	16.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	13.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

203

Loan-to-Member Ratio (LMR)

engagement

Value: $10,010

Peer Median: $4,923

#203 of 2508 Top 8.1% in <100M tier

317

Net Charge-Off Rate

risk

Value: -0.05%

Peer Median: 0.07%

#317 of 2508 Top 12.6% in <100M tier

355

Loan-to-Share Ratio

balance_sheet

Value: 83.87%

Peer Median: 58.72%

#355 of 2508 Top 14.1% in <100M tier

391

Average Member Relationship (AMR)

engagement

Value: $21,946

Peer Median: $13,926

#391 of 2508 Top 15.6% in <100M tier

402

Net Worth Ratio

risk

Value: 22.38%

Peer Median: 14.28%

#402 of 2508 Top 16.0% in <100M tier

546

AMR Growth Rate

growth

Value: 5.82%

Peer Median: 1.27%

#546 of 2508 Top 21.7% in <100M tier

Top Weaknesses (2 metrics)

2439

First Mortgage Concentration (%)

balance_sheet

Value: 66.84%

Peer Median: 3.66%

#2439 of 2508 Bottom 2.8% in <100M tier

2135

Member Growth Rate

growth

Value: -5.59%

Peer Median: -1.37%

#2135 of 2508 Bottom 14.9% in <100M tier