Gateway
Springfield, OR · Charter 63476 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$31.4MAssets
$19.1MLoans
$24.3MShares
$6.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 90% of credit unions under $1B in assets (rank 166 of 1683).
- Widest gap: net interest margin trails 74% of credit unions under $1B in assets (rank 1248 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.64%
Rank 970 of 1,683
Net Interest Margin
3.35%
Rank 1,248 of 1,683
Efficiency Ratio
82.14%
Rank 1,042 of 1,682
Equity / Assets
21.85%
Rank 166 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 42% | 970 / 1,683 | | |
| Return on Equity | 2.91% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,225 / 1,681 | | |
| Net Interest Margin | 3.35% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,248 / 1,683 | | |
| Efficiency Ratio | 82.14% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,042 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.26% | 0.65% | 1.29% | Beats 68% | 537 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.85% | 10.44% | 12.89% | 16.53% | Beats 90% | 166 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.85% | 10.44% | 12.89% | 16.53% | Beats 90% | 166 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.72% | 52.61% | 69.38% | 83.50% | 67th pctl | 554 / 1,683 | | |
| Loans / Assets | 60.81% | 44.71% | 59.18% | 70.72% | 54th pctl | 778 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |