Gateway

CLARKSVILLE, TN · 2 · Charter #68171 · www.gatewaycreditunion.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$15.7M
54th percentile
Members
2,172
70th percentile
Total loans
$10.8M
68th percentile
Total shares
$14.2M
57th percentile

Profitability

Return on assets
0.84%
52th percentile
Net interest margin
4.62%
73th percentile
Efficiency ratio
77.01%
29th percentile
Non-interest income ratio
20.60%
83th percentile

Capital & Risk

Net worth ratio
8.49%
7th percentile
Delinquency rate
0.78%
48th percentile
Net charge-off rate
2.36%
5th percentile
Loan-to-share
75.91%
71th percentile

Growth

Member growth YoY
-3.25%
30th percentile
Asset growth YoY
7.73%
87th percentile
Loan growth YoY
2.54%
72th percentile
Share growth YoY
10.02%
91th percentile

Operations

Members / branch
2,172
81th percentile
Assets / member
$7,217
32th percentile
Field of membership penetration
0.93%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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