State credit union · Camanche, Iowa · NCUA charter #63124
1st Gateway
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $168.7M
- Total assets
- 10,362
- Members
- 6.4%
- Net-worth ratio
1st Gateway - Share Insurance Coverage
Charter #63124's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
1st Gateway - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)59
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)100
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.36%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.36% | 30% |
| Delinquency Rate | 0.22% | 25% |
| Return on Assets | 0.50% | 15% |
| Member Growth | -0.76% | 15% |
| Loan-to-Share Ratio | 89.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $168.7M | 10,362 |
| 2024Q4 | $164.2M | 10,441 |
| 2023Q4 | $159.1M | 10,598 |
Credit Union Details
- Charter Number
- 63124
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Camanche
- Data Quarter
- 2025Q4
What This Data Says About 1st Gateway
10,362 members and $168.7M in total assets sit behind 1st Gateway, a state credit union in Camanche, Iowa, which posts a health score of 80/100 (Excellent) on the five-factor composite, with $129.0M in outstanding loans as of Q4 2025 and a net worth ratio of 6.36% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63124 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.22% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 89.29% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.50% on net income of $850K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.76%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is 1st Gateway financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, 1st Gateway carries a financial health score of 80/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.36% net worth ratio and a 0.22% delinquency rate.
How does 1st Gateway compare to other credit unions?
Five weighted metrics from NCUA filings produce 1st Gateway's 80/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 1st Gateway?
Membership eligibility for 1st Gateway depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st Gateway directly for current membership requirements and application steps.
Is my money safe at 1st Gateway?
Federal credit unions like 1st Gateway are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Gateway's net worth ratio of 6.36% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does 1st Gateway offer compared to banks?
Credit unions like 1st Gateway are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st Gateway directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.