Federal credit union · Saint Louis, Missouri · NCUA charter #24797
Gateway Metro
Health score 49/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $173.2M
- Total assets
- 9,652
- Members
- 5.9%
- Net-worth ratio
Gateway Metro scores 49/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $173.2M; members 9,652; net-worth ratio 5.92%; health rank #4,286 of 4,374; healthier than 2nd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,286 of 4,374 health · 2025Q4Gateway Metro · health 49/100 · $173.2M · 2025Q4
- CHARTER 49/100
- NCUSIF 5.9%
- CAMELS 1.00%
- HEALTH -0.54%
- NW $173.2M
- DELQ 9,652
- ROA #4,286/4,374
- ASSETS Frick Financial
- MEM 24797
Call Report peers
Gateway Metro in the assets neighbourhood
Gateway Metro's $173.2M assets sit next to Frick Financial ($173.2M) 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 Metro 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
49 2nd percentile higher than 2% 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 Metro - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24797, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Gateway Metro
- Largest lag: Loan-to-Share Ratio at 61.37% vs peer 72.20% (-10.83 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Gateway Metro in Missouri
- Health composite ranks #85 of 89 among scored Missouri credit unions.
- By total assets, Gateway Metro is #21 of 89 in Missouri.
- Missouri membership ordinal: #27 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Gateway Metro
Gateway Metro: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $173.2M (2025Q4) to $177.1M (2026Q1).
- Net-worth ratio shifted -1.98 pp (7.90% → 5.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
5.92% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 49/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 49.
- Net Worth Ratio 14.8 pts
- Delinquency Rate 20.0 pts
- Return on Assets 0.0 pts
- Member Growth 1.4 pts
- Loan-to-Share Ratio 12.8 pts
Gateway Metro vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 5.92% | -6.19 pp |
| Delinquency Rate | 1.00% | +0.10 pp |
| Return on Assets | -0.54% | -1.17 pp |
| Member Growth | -4.25% | - |
| Loan-to-Share Ratio | 61.37% | -10.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Gateway Metro quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $177.1M | - |
| 2025Q4 | $173.2M | 9,652 |
| 2024Q4 | $169.0M | 10,080 |
| 2023Q4 | $174.3M | 10,542 |
Credit Union Details
- Charter Number
- 24797
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- Saint Louis
- Data Quarter
- 2025Q4
Branch Locations (6)
Gateway Metro operates 6 offices across 5 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Operations Center/Back Office (Main Office) | Saint Louis, MO |
| North County | Florissant, MO |
| South | Saint Louis, MO |
| St. Peters | Saint Peters, MO |
| Shiloh | Shiloh, IL |
| Twin Oaks | Valley Park, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Gateway Metro
Two NCUA Call Report peer sets for Gateway Metro, both outside Missouri 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 ($173.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (49/100 here).
Using this data
- Gateway Metro ranks #4,286 of 4,374 nationally on financial health and #85 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CENTURY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CENTURY
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 Metro financially healthy?
Gateway Metro scores 49/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,286 of 4,374; by total assets it ranks #1,386 of 4,374 nationally (same basis as /rankings/largest); and #21 of 89 within Missouri. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 5.92% net worth ratio and a 1.00% delinquency rate.
How does Gateway Metro compare to other credit unions?
On PlainCU's health composite, Gateway Metro lands at 49/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Metro?
Gateway Metro operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Gateway Metro directly for the exact boundaries and application steps.
Is my money safe at Gateway Metro?
Federal credit unions like Gateway Metro 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 Metro's net worth ratio of 5.92% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Gateway Metro offer compared to banks?
Credit unions like Gateway Metro 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 Metro 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.