GATEWAY
Charter #63476 · Springfield, OR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.38% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.05% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 49th — a 39-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 | GATEWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.43M | 62th pct | 31th pct |
| Members | 1,959 | 44th pct | 34th pct |
| Net worth ratio | 22.38% | 91th pct | 77th pct |
| Return on average assets | 0.68% | 51th pct | 39th pct |
| Net interest margin | 3.49% | 34th pct | 48th pct |
| Cost of funds | 0.93% | 55th pct | 33th pct |
| Loan-to-share | 83.87% | 88th pct | 49th pct |
| Delinquency 60+ days | 0.28% | 35th pct | 43th pct |
| Net charge-off ratio | -0.05% | 13th pct | 10th pct |
| Loan growth YoY | -2.12% | 52th pct | 31th pct |
| Share growth YoY | 2.41% | 49th pct | 49th pct |
| Efficiency ratio | 79.94% | 48th pct | 49th pct |
structural peer set hash: 50a1756027215152a992def3d800065e… (reproducible)
Closest structural peers
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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.