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
Call Report peers
GATEWAY in the assets neighbourhood
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
GATEWAY sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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).
- One place up in Oregon, Castparts Employees (#22) scores 86/100, 1 point higher; one place down, SUNSET (#24) scores 84/100, 1 point lower.
Quarter path for GATEWAY
GATEWAY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.8% from $28.8M (2025Q4) to $30.4M (2026Q1).
- Net-worth ratio shifted -1.13 pp (23.51% → 22.38%).
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
GATEWAY gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is GATEWAY financially healthy?
On its 2025Q4 NCUA 5300 filing, GATEWAY scores 85/100 (Excellent), with a 22.38% net worth ratio and 0.19% of loans delinquent. It ranks #1,880 of 4,374 nationally on health and #23 of 48 in Oregon.
How does GATEWAY compare to other credit unions?
GATEWAY scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (90.58% vs 59.80%). Its widest shortfall is return on assets (0.66% vs 0.70%).
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?
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. GATEWAY's net worth ratio of 22.38% 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.