| Metric | Gateway Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +7.8% | +0.9% | +6.9 pts |
| Loan growth (YoY) | -2.7% | -2.6% | -0.1 pts |
| ROA | 0.51% | 0.65% | -0.1 pts |
| ROE | 6.1% | 4.4% | +1.7 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $16.3M | $14.8M | $10.0M | $1.4M | $42K | 0.51% | 4.51% | 0.70% | 2,142 |
| Q1 2026 | $15.9M | $14.4M | $10.6M | $1.4M | $20K | 0.50% | 4.54% | 1.09% | 2,160 |
| Q4 2025 | $15.7M | $14.2M | $10.8M | $1.3M | $-193K | -1.23% | 4.62% | 0.78% | 2,172 |
| Q3 2025 | $15.7M | $14.1M | $11.1M | $1.4M | $-120K | -1.02% | 4.58% | 2.92% | 2,194 |
| Q2 2025 | $15.5M | $13.7M | $10.3M | $1.6M | $55K | 0.72% | 4.55% | 2.39% | 2,224 |
| Q1 2025 | $15.7M | $13.9M | $10.0M | $1.6M | $25K | 0.62% | 4.44% | 3.31% | 2,214 |
| Q4 2024 | $14.6M | $12.9M | $10.5M | $1.5M | $101K | 0.69% | 4.62% | 2.99% | 2,245 |
| Q3 2024 | $15.2M | $13.6M | $10.7M | $1.5M | $65K | 0.57% | 4.33% | 2.11% |
| Ratio | Gateway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,272 |
| Q2 2024 | $13.7M | $12.4M | $9.1M | $1.1M | $38K | 0.56% | 4.55% | 1.86% | 1,865 |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $7.1M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 80.6% | 68th |
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 | 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 | 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 | 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 | 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 | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Montgomery, TN, ranked 16th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, TN | 1 | $14.8M* | 0.26% | 16th |
Tennessee: 270th with 0.01% · Clarksville metro: 23rd, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1