GATEWAY
Charter #68171 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
GATEWAY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.71% below tier average
- - Efficiency ratio 4.19% above tier (higher cost structure)
- - Delinquency rate 1.41% above tier average
- - Member decline: -3.4% YoY
- - Net Worth Ratio: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,194
-3.4% YoY-1.3% QoQ
|
-431 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
55th in tier |
| Assets |
$15.7M
+3.1% YoY+1.2% QoQ
|
$-14.2M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
42nd in tier |
| Loans |
$11.1M
+3.9% YoY+7.6% QoQ
|
$-4.7M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
54th in tier |
| Deposits |
$14.1M
+3.7% YoY+2.9% QoQ
|
$-11.3M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
44th in tier |
| ROA |
-1.0%
-270.3% YoY-244.0% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.5% in tier |
| NIM |
4.6%
+1.1% YoY+1.9% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 23.3% in tier |
| Efficiency Ratio |
85.6%
+0.6% YoY+0.8% QoQ
|
+4.2% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
68th in tier |
| Delinquency Rate |
2.9%
+38.4% YoY+22.0% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 12.3% in tier |
| Loan To Share |
78.5%
+0.2% YoY+4.6% QoQ
|
+17.3% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 24.7% in tier |
| AMR |
$11,488
+7.5% YoY+6.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
37th in tier |
| CD Concentration |
21.6%
+34.2% YoY+15.3% QoQ
|
-2.8% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
402
AMR Growth Rate
growth
Value:
7.51%
Peer Avg: 4.67%
#402 of 2596
Top 15.4% in <100M tier
605
Net Interest Margin (NIM)
profitability
Value:
4.61%
Peer Avg: 3.93%
#605 of 2596
Top 23.3% in <100M tier
618
Loan Growth Rate
growth
Value:
3.95%
Peer Avg: 59.01%
#618 of 2596
Top 23.8% in <100M tier
637
Loan-to-Share Ratio
balance_sheet
Value:
78.49%
Peer Avg: 61.23%
#637 of 2596
Top 24.5% in <100M tier
Top Weaknesses (4 metrics)
2453
Return on Assets (ROA)
profitability
Value:
-1.02%
Peer Avg: 0.68%
#2453 of 2596
Bottom 5.5% in <100M tier
2345
Net Worth Ratio
risk
Value:
9.01%
Peer Avg: 16.43%
#2345 of 2596
Bottom 9.7% in <100M tier
2298
Net Charge-Off Rate
risk
Value:
1.18%
Peer Avg: 0.57%
#2298 of 2596
Bottom 11.5% in <100M tier
2278
Total Delinquency Rate (60+ days)
risk
Value:
2.92%
Peer Avg: 1.51%
#2278 of 2596
Bottom 12.3% in <100M tier