State credit union · Camanche, Iowa · NCUA charter #63124
1st Gateway
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $168.7M
- Total assets
- 10,362
- Members
- 13.8%
- Net-worth ratio
1st Gateway scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $168.7M; members 10,362; net-worth ratio 13.79%; health rank #608 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#608 of 4,374 health · 2025Q41st Gateway · health 93/100 · $168.7M · 2025Q4
Call Report peers
1st Gateway in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Gateway vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 1st Gateway sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for 1st Gateway
- Largest favorable gap: Loan-to-Share Ratio at 89.29% vs peer 72.20% (+17.09 pp).
- Widest shortfall vs peers is Return on Assets: -0.12 pp (0.50% vs 0.62%).
Iowa standing for 1st Gateway
- Iowa health ordinal: #10 of 66.
- By total assets, 1st Gateway is #20 of 66 in Iowa.
- Iowa membership ordinal: #22 of 66.
- One place up in Iowa, Members Community (#9) scores 94/100, 1 point higher; one place down, River Valley (#11) ties at 93/100.
1st Gateway: 2025Q4 → 2026Q1
1st Gateway: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $168.7M (2025Q4) to $171.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (13.84% → 13.79%).
At 13.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
1st Gateway gives up 7 points in total. Member Growth costs the most, 7.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for 1st Gateway
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.79% | +1.68 pp |
| Delinquency Rate | 0.22% | -0.67 pp |
| Return on Assets | 0.50% | -0.12 pp |
| Member Growth | -0.76% | - |
| Loan-to-Share Ratio | 89.29% | +17.09 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
1st Gateway filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $171.9M | - |
| 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
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for 1st Gateway, spread across 7 cities in 2 states.
| Office | City |
|---|---|
| Camanche (Main Office) | Camanche, IA |
| Clinton | Clinton, IA |
| 1st Gateway Credit Union Clinton | Clinton, IA |
| DeWitt | De Witt, IA |
| Fulton | Fulton, IL |
| Morrison | Morrison, IL |
| Prophetstown | Prophetstown, IL |
| Sterling | Sterling, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Other-state peers near 1st Gateway
Similar total assets
Using this data
- 1st Gateway ranks #608 of 4,374 nationally on financial health and #10 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CENT
Frequently Asked Questions
Is 1st Gateway financially healthy?
1st Gateway has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #608 of 4,374 nationally on health and #10 of 66 in Iowa. Its net worth ratio is 13.79% and its delinquency rate 0.22%.
How does 1st Gateway compare to other credit unions?
1st Gateway scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.29% vs 72.20%). Its widest shortfall is return on assets (0.50% vs 0.62%).
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?
1st Gateway is a state-chartered credit union; its shares are federally 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 13.79% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.