| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.1% | -1.0 pts |
| Share growth (YoY) | +3.2% | +3.5% | -0.3 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 0.84% | 0.74% | +0.1 pts |
| ROE | 6.0% | 6.5% | -0.5 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $170.9M | $146.9M | $129.6M | $24.1M | $718K | 0.84% | 4.16% | 0.35% | 10,396 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | 1St Gateway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.74% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.5% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 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 (Q2 2026): real estate $70.4M · commercial $12.2M · consumer $43.6M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 77.5% | 49th |
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% |
| 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% |
| Ratio | 1St Gateway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
8 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Clinton, IA, ranked 10th with 4.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clinton, IA | 4 | $73.4M* | 4.04% | 10th |
| Whiteside, IL | 4 | $73.4M* | 3.25% | 10th |
Iowa: 264th with 0.05% · Illinois: 393rd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8 · 2026 8