| Metric | Gateway Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +6.7% | +0.9% | +5.7 pts |
| Loan growth (YoY) | -5.3% | -2.6% | -2.7 pts |
| ROA | 0.64% | 0.65% | -0.0 pts |
| ROE | 2.9% | 4.4% | -1.5 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.4M | $24.3M | $19.1M | $6.9M | $100K | 0.64% | 3.35% | 0.36% | 1,938 |
| Q1 2026 | $30.4M | $23.4M | $19.6M | $6.8M | $50K | 0.66% | 3.39% | 0.28% | 1,959 |
| Q4 2025 | $28.8M | $21.8M | $19.7M | $6.8M | $194K | 0.67% | 3.47% | 0.19% | 1,968 |
| Q3 2025 | $29.8M | $22.8M | $20.0M | $6.7M | $152K | 0.68% | 3.36% | 0.17% | 2,024 |
| Q2 2025 | $29.6M | $22.7M | $20.2M | $6.7M | $100K | 0.68% | 3.35% | 0.18% | 2,054 |
| Q1 2025 | $29.4M | $22.6M | $20.4M | $6.6M | $50K | 0.68% | 3.35% | 0.02% | 2,075 |
| Q4 2024 | $30.0M | $23.2M | $20.7M | $6.6M | $191K | 0.64% | 3.23% | 0.01% | 2,108 |
| Q3 2024 | $29.7M | $23.0M | $21.1M | $6.5M | $152K | 0.68% | 3.25% | 0.07% |
| Ratio | Gateway Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,126 |
| Q2 2024 | $29.8M | $23.2M | $21.7M | $6.5M | $101K | 0.68% | 3.26% | 0.22% | 2,148 |
Loan mix (Q2 2026): real estate $14.9M · commercial $0 · consumer $3.0M · securities $9.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 80.6% | 54th |
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: Lane, OR, ranked 24th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lane, OR | 1 | $24.3M* | 0.20% | 24th |
Oregon: 83rd with 0.02% · Eugene-Springfield metro: 24th, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1