PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gateway Metro

Saint Louis, MO · Charter 24797

NCUA · 6 branches

Q1 2026

$177.1MAssets
$96.9MLoans
$165.6MShares
$10.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -7.22%, down 693 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.98% of loans (-6 bps YoY).
  • Capital: net worth / assets of 5.93%, down 207 bps from a year ago.
  • Funding: loans stand at 58.51% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

-7.22%-693 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+4 bps YoY

Efficiency Ratio (YTD, annualized)

279%+17,550 bps YoY

Net Worth / Assets

5.93%-207 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets-0.29%-0.08%-0.11%-0.18%-7.22%-693 bps
Return on Equity-3.66%-1.02%-1.41%-2.31%-121.81%-11,815 bps
Net Interest Margin3.11%3.21%3.28%3.30%3.14%+4 bps
Efficiency Ratio103.39%100.09%99.39%99.97%279%+17,550 bps
Growth
Asset Growth (YoY)-0.41%0.98%1.48%2.48%1.25%+166 bps
Loan Growth (YoY)-4.45%-4.02%-1.48%-0.75%-1.92%+254 bps
Share Growth (YoY)-0.80%0.40%1.46%2.04%1.53%+234 bps
Asset Quality
Delinquent Loans / Loans1.04%0.96%1.42%1.00%0.98%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.00%7.98%8.00%7.91%5.93%-207 bps
Net Worth / Assets8.00%7.98%8.00%7.91%5.93%-207 bps
Liquidity & Funding
Loans / Shares60.56%61.42%62.31%61.37%58.51%-206 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps