1ST GATEWAY
Charter #63124 · Camanche, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.79% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.09% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.26% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.20% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 61st — a 22-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.
| Metric | 1ST GATEWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $171.89M | 40th pct | 39th pct |
| Members | 10,317 | 34th pct | 34th pct |
| Net worth ratio | 13.79% | 77th pct | 80th pct |
| Return on average assets | 0.82% | 59th pct | 49th pct |
| Net interest margin | 4.09% | 76th pct | 77th pct |
| Cost of funds | 0.26% | 11th pct | 3th pct |
| Loan-to-share | 86.73% | 83th pct | 61th pct |
| Delinquency 60+ days | 0.20% | 14th pct | 11th pct |
| Net charge-off ratio | 0.13% | 22th pct | 30th pct |
| Loan growth YoY | -1.94% | 26th pct | 8th pct |
| Share growth YoY | 6.84% | 86th pct | 74th pct |
| Efficiency ratio | 80.79% | 58th pct | 56th pct |
structural peer set hash: ac1f540fe9de2d45fc547313b2196f11… (reproducible)
Closest structural peers
This is the free public view
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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.