Innorve

GATEWAY METRO

Charter #24797 · Saint Louis, MO · $100M-$500M

Public 5300 data · as of 2026Q1

What the numbers say

  • Net worth ratio of 5.92% sits at the 0th percentile of structural peers — worth a closer look.
  • Return on average assets of -7.30% sits at the 0th percentile of structural peers — worth a closer look.
  • Efficiency ratio of 278.89% sits at the 98th percentile of structural peers — worth a closer look.
  • On Net interest margin, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 43rd — a 21-point gap showing why the peer definition matters.

Headline ratios vs. peers

Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.

MetricGATEWAY METROAsset-tier percentileStructural percentile
Total assets$177.12M42th pct41th pct
Members9,51029th pct43th pct
Net worth ratio5.92%0th pct0th pct
Return on average assets-7.30%0th pct0th pct
Net interest margin3.18%22th pct43th pct
Cost of funds0.84%30th pct34th pct
Loan-to-share58.51%24th pct30th pct
Delinquency 60+ days0.98%75th pct70th pct
Net charge-off ratio0.49%64th pct74th pct
Loan growth YoY-3.40%14th pct13th pct
Share growth YoY2.87%41th pct39th pct
Efficiency ratio278.89%100th pct98th pct

structural peer set hash: 32453c3d20dfc7210330a212e047407f… (reproducible)

Closest structural peers

MEMBERS FIRST CREDIT UNION OF N.H.62.1%
#65491 · NH
FIDELIS CATHOLIC61.2%
#9810 · CO
JERSEY SHORE60.9%
#15483 · NJ
BRAINERD B. N.59.9%
#60436 · MN
VUE COMMUNITY59.3%
#64408 · ND
WEYCO COMMUNITY58.5%
#66324 · NC
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.