State credit union · CLARKSVILLE, Tennessee · NCUA charter #68171
Gateway
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $15.7M
- Total assets
- 2,172
- Members
- 1.4%
- Net-worth ratio
Gateway - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68171, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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)12
- Asset quality (delinquency)89
- Earnings (ROA)100
- Member growth21
- Liquidity (loan-to-share)100
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 1.41% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 1.41% | 30% |
| Delinquency Rate | 0.78% | 25% |
| Return on Assets | 0.64% | 15% |
| Member Growth | -3.25% | 15% |
| Loan-to-Share Ratio | 75.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $15.7M | 2,172 |
| 2024Q4 | $14.6M | 2,245 |
| 2023Q4 | $13.6M | 1,882 |
Credit Union Details
- Charter Number
- 68171
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- CLARKSVILLE
- Data Quarter
- 2025Q4
What This Data Says About Gateway
Headquartered in CLARKSVILLE, Tennessee, Gateway is a state credit union with 2,172 members, $15.7M in total assets, and $10.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 59/100 (Fair), driven in part by a net worth ratio of 1.41% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68171 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 75.91% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.78% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.64% on net income of $101K 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 -3.25%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
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 Gateway financially healthy?
Yes/no aside, the number is 59/100 (Fair) - Gateway's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 1.41% net worth ratio and 0.78% delinquency rate are the key drivers.
How does Gateway compare to other credit unions?
Five weighted metrics from NCUA filings produce Gateway's 59/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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 1.41% is relative to 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.
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.