GATEWAY
Charter #68171 · CLARKSVILLE, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.48% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.09% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.28% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 31st — 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.
| Metric | GATEWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.93M | 23th pct | 18th pct |
| Members | 2,160 | 52th pct | 31th pct |
| Net worth ratio | 8.48% | 8th pct | 10th pct |
| Return on average assets | 0.50% | 42th pct | 48th pct |
| Net interest margin | 4.58% | 80th pct | 66th pct |
| Cost of funds | 0.70% | 44th pct | 48th pct |
| Loan-to-share | 73.48% | 75th pct | 75th pct |
| Delinquency 60+ days | 1.09% | 71th pct | 75th pct |
| Net charge-off ratio | -0.28% | 4th pct | 5th pct |
| Loan growth YoY | -4.25% | 36th pct | 34th pct |
| Share growth YoY | 2.28% | 48th pct | 43th pct |
| Efficiency ratio | 88.44% | 70th pct | 62th pct |
structural peer set hash: 3d60940338e2d61551a0a17ad6dd1ca7… (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.