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Gateway Federal Employees

St. Louis, MO · Charter 62711

NCUA · 2 branches

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gateway Federal Employees

St. Louis, MO · Charter 62711

NCUA · 2 branches

Q3 2017

$32.8MAssets
$13.6MLoans
$30.5MShares
$2.3MNet 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 -3.29%, down 234 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 1.92% of loans (-101 bps YoY).
  • Capital: net worth / assets of 7.15%, down 180 bps from a year ago.
  • Funding: loans stand at 44.62% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-3.29%-234 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+27 bps YoY

Efficiency Ratio (YTD, annualized)

131.02%+2,375 bps YoY

Net Worth / Assets

7.15%-180 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.95%-1.16%-1.45%-2.53%-3.29%-234 bps
Return on Equity-10.61%-13.77%-17.20%-31.02%-45.93%-3,532 bps
Net Interest Margin2.80%2.75%2.93%3.11%3.07%+27 bps
Efficiency Ratio107.27%105.18%111.63%106.66%131.02%+2,375 bps
Growth
Asset Growth (YoY)-0.94%0.14%-3.81%-10.26%-11.66%-1,072 bps
Loan Growth (YoY)-12.34%-10.45%-9.79%-7.52%-8.43%+391 bps
Share Growth (YoY)-0.01%2.48%3.10%-1.03%-1.25%-124 bps
Asset Quality
Delinquent Loans / Loans2.93%2.88%1.75%0.93%1.92%-101 bps
Net Charge-Offs / Loans0.75%0.66%n/an/an/an/a
Allowance / Loans2.41%2.79%2.53%2.89%3.28%+88 bps
Capital
Risk-Based Capital8.95%8.41%8.41%8.16%7.15%-180 bps
Net Worth / Assets8.95%8.41%8.41%8.16%7.15%-180 bps
Liquidity & Funding
Loans / Shares48.12%46.02%44.15%44.93%44.62%-350 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps