Gateway Metro Federal Credit Union
Total assets
$177.1M
▲ +1.3% YoY
Shares & deposits
$165.6M
▲ +1.5% YoY
Loans
$96.9M
▼ -1.9% YoY
Members
9,510
▼ -4.5% YoY
ROA (annualized)
-7.22%
peers 0.69%
ROE (annualized)
-121.81%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +3.9% | -2.7 pts |
| Share growth (YoY) | +1.5% | +3.3% | -1.8 pts |
| Loan growth (YoY) | -1.9% | +2.9% | -4.8 pts |
| ROA | -7.22% | 0.69% | -7.9 pts |
| ROE | -121.8% | 5.9% | -127.8 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 1001 Pine St, Saint Louis, MO, 63101
- NCUA charter #
- 24797
- RSSD ID
- 993090
- 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 | $177.1M | $165.6M | $96.9M | $10.5M | $-3.2M | -7.22% | 3.14% | 0.98% | 9,510 |
| Q4 2025 | $173.2M | $160.8M | $98.7M | $13.7M | $-317K | -0.18% | 3.30% | 1.00% | 9,652 |
| Q3 2025 | $173.5M | $160.9M | $100.3M | $13.9M | $-146K | -0.11% | 3.28% | 1.42% | 9,775 |
| Q2 2025 | $174.7M | $162.3M | $99.7M | $13.9M | $-71K | -0.08% | 3.21% | 0.96% | 9,888 |
| Q1 2025 | $174.9M | $163.1M | $98.8M | $14.0M | $-128K | -0.29% | 3.11% | 1.04% | 9,958 |
| Q4 2024 | $169.0M | $157.6M | $99.4M | $14.1M | $-941K | -0.56% | 3.22% | 1.69% | 10,080 |
| Q3 2024 | $170.9M | $158.6M | $101.8M | $14.7M | $-336K | -0.26% | 3.18% | 1.18% | 10,163 |
| Q2 2024 | $173.0M | $161.7M | $103.9M | $14.7M | $-399K | -0.46% | 3.09% | 1.03% | 10,286 |
Loan mix (Q1 2026): real estate $68.1M · commercial $58K · consumer $23.3M · securities $33.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -7.22% | 0.69% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -121.8% | 5.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.62% | 22th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 278.9% | 78.7% | 100th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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