Gateway Credit Union Springfield, Oregon
Gateway Credit Union is a state-chartered credit union headquartered in Springfield, OR, established in 1963 (NCUA charter 63476), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,938 members and total assets of $31.4M (up 6.0% from Q2 2025), the 41st largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 21.85% at Q2 2026, in the well capitalized band.
Also written as Gateway CU
BankRegReports is independent of Gateway Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63476
- Headquarters
- Springfield, OR
- Established
- 1963
- Total assets, Q2 2026
- $31.4M
- Assets vs Q2 2025
- +6.0%
- Members, Q2 2026
- 1,938
- Net worth ratio, Q2 2026
- 21.85%
- Latest call report
- Q2 2026, NCUA 5300 · Gateway Credit Union call report
- Asset rank in state
- 41st of 47 in Oregon
- Routing number
- 323283944
- Branches
- 1
It has 116 fewer members than on June 30, 2025 (-5.6%). Its net worth ratio was down 0.66 percentage points from 22.51% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $14.9M of $19.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.36% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 21.85% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Oregon
Frequently asked about Gateway Credit Union
How big is Gateway Credit Union?
At Q2 2026 it reported total assets of $31.4M and 1,938 members.
Where is Gateway Credit Union headquartered?
It is headquartered in Springfield, OR, United States.
When was Gateway Credit Union founded?
It was established in 1963, per NCUA records.
Is Gateway Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63476): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Gateway Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Gateway Credit Union well capitalized?
Its net worth ratio was 21.85% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Gateway Credit Union's delinquency ratio?
Its delinquency ratio was 0.36% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Gateway Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.72% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Springfield, OR 97477
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1963
- NCUA Charter #
- 63476
- RSSD ID
- 520290
- Members
- 1,938
- Potential members
- 374,748
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 21.85% | 14.31% | 81st top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.64% | 0.72% | 46th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.91% | 4.74% | 38th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.41% | 3.93% | 29th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 84.15% | 79.83% | 41st below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.13% | 0.78% | 31st below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.36% | 0.86% | 74th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.55% | 4.70% | 42nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 78.72% | 58.92% | 78th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$31.4M total assets against $29.6M; $24.3M total shares and deposits against $22.7M; $19.1M total loans against $20.2M.
$6.9M net worth against $6.7M.
21.85% net worth ratio against 22.51%.
78.72% loan-to-share ratio against 88.70%.
0.36% delinquency ratio against 0.18%.
0.64% return on assets against 0.68%; 2.91% return on equity against 3.00%.
3.41% net interest margin against 3.37%.
1,938 members against 2,054.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 21.85% | 0.64% | 0.36% | 78.72% |
| March 31, 2026 | 22.38% | 0.66% | 0.28% | 83.87% |
| December 31, 2025 | 23.51% | 0.59% | 0.19% | 90.58% |
| September 30, 2025 | 22.59% | 0.70% | 0.17% | 87.75% |
| June 30, 2025 | 22.51% | 0.68% | 0.18% | 88.70% |
| March 31, 2025 | 22.49% | 0.68% | 0.02% | 90.32% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.