1St Gateway Credit Union
Total assets
$171.9M
▲ +3.2% YoY
Shares & deposits
$147.5M
▲ +2.7% YoY
Loans
$127.9M
▲ +3.2% YoY
Members
10,317
▼ -1.4% YoY
ROA (annualized)
0.81%
peers 0.69%
ROE (annualized)
5.91%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.7 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | +3.2% | +2.9% | +0.3 pts |
| ROA | 0.81% | 0.69% | +0.1 pts |
| ROE | 5.9% | 5.9% | -0.0 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 110, Camanche, IA, 52730
- NCUA charter #
- 63124
- RSSD ID
- 303998
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $171.9M | $147.5M | $127.9M | $23.7M | $350K | 0.81% | 4.05% | 0.20% | 10,317 |
| Q4 2025 | $168.7M | $144.5M | $129.0M | $23.3M | $855K | 0.51% | 3.77% | 0.22% | 10,362 |
| Q3 2025 | $161.6M | $138.0M | $130.4M | $23.8M | $955K | 0.79% | 4.17% | 0.27% | 10,479 |
| Q2 2025 | $165.8M | $142.3M | $125.8M | $23.4M | $590K | 0.71% | 4.00% | 0.19% | 10,476 |
| Q1 2025 | $166.5M | $143.6M | $123.9M | $23.1M | $260K | 0.62% | 3.88% | 0.49% | 10,460 |
| Q4 2024 | $164.2M | $140.6M | $124.6M | $22.8M | $850K | 0.52% | 3.71% | 0.64% | 10,441 |
| Q3 2024 | $158.9M | $135.8M | $127.0M | $22.9M | $965K | 0.81% | 4.10% | 0.38% | 10,597 |
| Q2 2024 | $161.4M | $138.5M | $128.2M | $22.6M | $630K | 0.78% | 4.03% | 0.29% | 10,606 |
Loan mix (Q1 2026): real estate $69.3M · commercial $12.0M · consumer $43.1M · securities $1.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | 1St Gateway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.69% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.62% | 76th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 78.7% | 58th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | 1St Gateway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | 1St Gateway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | 1St Gateway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | 1St Gateway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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