BlastPoint's Credit Union Scorecard
GATEWAY
Charter #68171 · TN
GATEWAY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.98% below tier average
- - Member decline: -3.7% YoY
- - Net Worth Ratio: Bottom 6.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits +7.8% year over year ($14.8M in shares and deposits).
- Membership: 2,142 members, -3.7% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 0.52%.
- Efficiency ratio 88.02% vs a 88.77% peer average.
- Loan-to-share ratio 67.71% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,142
-3.7% YoY-0.8% QoQ
|
-443 |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$16.3M
+5.3% YoY+2.4% QoQ
|
$-14.0M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$10.0M
-2.7% YoY-5.6% QoQ
|
$-5.4M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$14.8M
+7.8% YoY+2.5% QoQ
|
$-11.0M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
0.5%
-27.5% YoY+3.4% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
4.6%
+0.9% YoY+0.6% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
88.0%
+3.6% YoY-0.5% QoQ
|
-0.7% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.7%
-70.6% YoY-35.7% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
67.7%
-9.7% YoY-7.9% QoQ
|
+8.8% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$11,588
+7.3% YoY-0.1% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
19.6%
+4.7% YoY+6.1% QoQ
|
-4.9% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)