BlastPoint's Credit Union Scorecard
GATEWAY
Charter #68171 · TN
GATEWAY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 9.4% in tier
- + AMR Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.85% below tier average
- - Efficiency ratio 3.39% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Net Charge-Off Rate: Bottom 4.7% in tier
- - Net Worth Ratio: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,172
-3.3% YoY-1.0% QoQ
|
-443 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$15.7M
+7.7% YoY-0.0% QoQ
|
$-14.5M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$10.8M
+2.5% YoY-3.0% QoQ
|
$-5.0M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$14.2M
+10.0% YoY+0.3% QoQ
|
$-11.5M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
-1.2%
-282.5% YoY+20.5% QoQ
|
-1.9% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.8% in tier |
| NIM |
4.6%
+2.3% YoY+0.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
85.9%
+2.6% YoY+0.4% QoQ
|
+3.4% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.8%
-74.0% YoY-73.4% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
75.9%
-6.8% YoY-3.3% QoQ
|
+15.3% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$11,470
+10.2% YoY-0.2% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
20.2%
+24.9% YoY-6.5% QoQ
|
-4.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 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)