Gateway Credit Union Clarksville, Tennessee
Gateway Credit Union is a state-chartered credit union headquartered in Clarksville, TN (NCUA charter 68171), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,142 members and total assets of $16.3M (up 5.3% from Q2 2025), the 95th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 8.41% at Q2 2026, in the well capitalized band.
Also written as Gateway CU
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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
- 68171
- Headquarters
- Clarksville, TN
- Established
- Not reported
- Total assets, Q2 2026
- $16.3M
- Assets vs Q2 2025
- +5.3%
- Members, Q2 2026
- 2,142
- Net worth ratio, Q2 2026
- 8.41%
- Latest call report
- Q2 2026, NCUA 5300 · Gateway Credit Union call report
- Asset rank in state
- 95th of 123 in Tennessee
- Routing number
- 264181671
- Branches
- 1
It has 82 fewer members than on June 30, 2025 (-3.7%). Its net worth ratio was down 1.83 percentage points from 10.24% on June 30, 2025. Used vehicle loans are its largest loan category, $4.4M of $10.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 8.41% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Tennessee
Credit unions merged into Gateway Credit Union
Cemc Employees Credit Union (2024)
Frequently asked about Gateway Credit Union
How big is Gateway Credit Union?
At Q2 2026 it reported total assets of $16.3M and 2,142 members.
Where is Gateway Credit Union headquartered?
It is headquartered in Clarksville, TN, United States.
Is Gateway Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68171): 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 8.41% 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 0.70% 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 67.71% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Clarksville, TN 37043
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 68171
- RSSD ID
- 316297
- Members
- 2,142
- Potential members
- 234,153
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 and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 8.41% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.53% | 0.72% | 42nd below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.32% | 4.74% | 60th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.59% | 3.93% | 76th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 87.61% | 79.83% | 33rd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.62% | 0.78% | 60th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.70% | 0.86% | 58th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.22% | 4.70% | 71st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 67.71% | 58.92% | 63rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$16.3M total assets against $15.5M; $14.8M total shares and deposits against $13.7M; $10.0M total loans against $10.3M.
$1.4M net worth against $1.6M.
8.41% net worth ratio against 10.24%.
67.71% loan-to-share ratio against 75.02%.
0.70% delinquency ratio against 2.39%.
0.53% return on assets against 0.80%; 6.32% return on equity against 7.78%.
4.59% net interest margin against 4.61%.
2,142 members against 2,224.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.41% | 0.53% | 0.70% | 67.71% |
| March 31, 2026 | 8.48% | 0.50% | 1.09% | 73.48% |
| December 31, 2025 | 8.49% | -1.88% | 0.78% | 75.91% |
| September 30, 2025 | 9.01% | -4.46% | 2.92% | 78.49% |
| June 30, 2025 | 10.24% | 0.80% | 2.39% | 75.02% |
| March 31, 2025 | 9.91% | 0.62% | 3.31% | 71.70% |
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.