State credit union · Springfield, Oregon · NCUA charter #63476
GATEWAY
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $28.8M
- Total assets
- 1,968
- Members
- 22.4%
- Net-worth ratio
GATEWAY scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.8M; members 1,968; net-worth ratio 22.38%; health rank #1,880 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,880 of 4,374 health · 2025Q4GATEWAY · health 85/100 · $28.8M · 2025Q4
- CHARTER 85/100
- NCUSIF 22.4%
- CAMELS 0.19%
- HEALTH 0.66%
- NW $28.8M
- DELQ 1,968
- ROA #1,880/4,374
- ASSETS Bakersfield City Employees
- MEM 63476
Call Report peers
GATEWAY in the assets neighbourhood
GATEWAY's $28.8M assets sit next to Bakersfield City Employees ($28.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GATEWAY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
GATEWAY - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63476. See our deposit-insurance coverage note.
Where GATEWAY diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +30.78 pp (90.58% vs 59.80%).
- Return on Assets trails the peer set - 0.66% here, 0.70% peer average (-0.04 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
GATEWAY in Oregon
- In Oregon, health place is #23 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, GATEWAY is #42 of 48 in Oregon.
- Membership ranks #43 of 48 among Oregon CUs with a reported count (1,968 members).
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for GATEWAY
GATEWAY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.8% from $28.8M (2025Q4) to $30.4M (2026Q1).
- Net-worth ratio shifted -1.13 pp (23.51% → 22.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 22.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
GATEWAY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.38% | +7.52 pp |
| Delinquency Rate | 0.19% | -0.96 pp |
| Return on Assets | 0.66% | -0.04 pp |
| Member Growth | -6.64% | - |
| Loan-to-Share Ratio | 90.58% | +30.78 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.4M | - |
| 2025Q4 | $28.8M | 1,968 |
| 2024Q4 | $30.0M | 2,108 |
| 2023Q4 | $29.1M | 2,246 |
Credit Union Details
- Charter Number
- 63476
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Oregon
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for GATEWAY.
| Office | City |
|---|---|
| Main Office (Main Office) | Springfield, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
A look at other Oregon credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near GATEWAY
Two NCUA Call Report peer sets for GATEWAY, both outside Oregon so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- GATEWAY ranks #1,880 of 4,374 nationally on financial health and #23 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Emerald Empire is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Emerald Empire
- Rates and health both vary by institution, not just by state -- see how Oregon credit unions compare overall before assuming this one is typical. Oregon state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is GATEWAY financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, GATEWAY carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,880 of 4,374; by total assets it ranks #2,884 of 4,374 nationally (same basis as /rankings/largest); and #42 of 48 within Oregon. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 22.38% net worth ratio and a 0.19% delinquency rate.
How does GATEWAY compare to other credit unions?
PlainCU's health composite puts GATEWAY at 85/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 GATEWAY?
Membership eligibility for GATEWAY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GATEWAY directly for current membership requirements and application steps.
Is my money safe at GATEWAY?
Federal credit unions like 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. GATEWAY's net worth ratio of 22.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GATEWAY offer compared to banks?
Credit unions like 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 GATEWAY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.