Credit Union Safety Analysis
Is Gateway Credit Union Safe? Clarksville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Gateway Credit Union has a net worth ratio of 8.41%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Gateway Credit Union's net worth ratio is 8.41%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.41%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): 0.53%
- Loan-to-share ratio (Q2 2026): 67.71%
Gateway Credit Union (NCUA charter 68171) reported $16.3M in assets and 2,142 members for Q2 2026 from Clarksville, Tennessee. It ranks 95 of 123 credit unions in Tennessee by total assets. Total assets grew 5.3% from $15.5M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 8.48% for Q1 2026; 10.24% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.09% for Q1 2026; 2.39% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.50% for Q1 2026; 0.80% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 73.48% for Q1 2026; 75.02% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.4M
- 1- to 4-family residential and other consumer real estate loans: $2.2M
- New vehicle loans: $1.3M
- Unsecured credit card loans: $942K
- Other secured non-real estate loans and lines of credit: $678K
- Other unsecured loans and lines of credit: $484K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $16.3M | 8.41% | 0.70% | 0.53% | 67.71% |
| March 31, 2026 | $15.9M | 8.48% | 1.09% | 0.50% | 73.48% |
| December 31, 2025 | $15.7M | 8.49% | 0.78% | -1.88% | 75.91% |
| September 30, 2025 | $15.7M | 9.01% | 2.92% | -4.46% | 78.49% |
| June 30, 2025 | $15.5M | 10.24% | 2.39% | 0.80% | 75.02% |
| March 31, 2025 | $15.7M | 9.91% | 3.31% | 0.62% | 71.70% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68171) · FFIEC NIC profile (RSSD 316297)
Frequently asked questions
Is Gateway Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Gateway Credit Union's net worth ratio is 8.41%, above the 7% NCUA threshold for well capitalized.
Is Gateway Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Gateway Credit Union is a federally insured credit union (NCUA charter 68171): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Gateway Credit Union's key safety ratios?
For Q2 2026, Gateway Credit Union reports net worth 8.41%, delinquency 0.70%, ROA 0.53%, loan-to-share 67.71%.
What happens to my money if Gateway Credit Union fails?
For Q2 2026, Gateway Credit Union held $14.8M in shares and deposits for 2,142 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.