# GATEWAY METRO
Saint Louis, MO · NCUA charter 24797 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gateway-metro-24797

Who the members are: federal charter, community charter, organized 1935. 9,510 members of 2,495,925 potential (0.4% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $177.1M |
| Members | 9,510 (-4.5% YoY) |
| Full-time staff | 55 |
| Net worth | $10.5M |
| Net worth ratio | 5.9% (p0 of band) |
| ROA (annualized) | -7.22% (p0 of band) |
| Total delinquency | 0.98% (p72 of band) |
| Net charge-offs (annualized) | 0.50% (p67 of band) |
| Loans / shares | 59% (p31 of band) |
| Cash / assets | 26.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.14% (p21 of band) |
| Operating expense / assets | 11.97% (p100 of band) |
| Vehicles % of loans | 21% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 119% (p73 of band) |
| Vehicle delinquency | 0.42% (p40 of band) |
| Vehicle NCO | 1.17% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 15% |
| Average share balance | $7,374 |
| Participations bought / yr | $686,832 |
| Participations sold / yr | $15,236 |
| Participations outstanding | $20.8M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $22,150 |
| Loans granted, annualized | $12.4M |

## Participation posture (from the same filings)

Bought $686,832 and sold $15,236 in the latest annualized quarter; $20.8M outstanding purchased (197.9% of net worth), $22,502 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 1.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | repo signal |  |
| 2016-12 | 7 | net worth falling, losing money, charge-offs p90 |  |
| 2017-03 | 5 | members leaving | repo signal, losing money, charge-offs p90 |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | net worth falling |
| 2017-12 | 4 | charge-offs p90 | members leaving |
| 2018-03 | 3 |  | delinquency 2x band |
| 2018-06 | 4 | net worth falling, delinquency 2x band | charge-offs p90 |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 4 | charge-offs p90 |  |
| 2019-03 | 6 | assets shrinking, members leaving |  |
| 2019-06 | 6 |  |  |
| 2019-09 | 6 | losing money | assets shrinking |
| 2019-12 | 6 |  |  |
| 2020-03 | 7 | margin squeeze, delinquency rising | charge-offs p90 |
| 2020-06 | 6 | net worth falling | margin squeeze, delinquency rising |
| 2020-09 | 7 | charge-offs p90 |  |
| 2020-12 | 5 |  | 3rd-party paper>100% NW, delinquency 2x band |
| 2021-03 | 7 | capital below 7%, loan book shrinking | charge-offs p90 |
| 2021-06 | 5 |  | losing money, net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 | delinquency rising | loan book shrinking |
| 2022-03 | 5 | 3rd-party paper>100% NW | delinquency rising |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 | assets shrinking | capital below 7% |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | delinquency rising |  |
| 2023-06 | 4 |  | delinquency rising |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 7 | net worth falling, delinquency rising |  |
| 2024-09 | 6 |  | net worth falling |
| 2024-12 | 7 | delinquency 2x band |  |
| 2025-03 | 6 | net worth falling | assets shrinking, delinquency 2x band |
| 2025-06 | 5 |  | delinquency rising |
| 2025-09 | 5 | delinquency 2x band | net worth falling |
| 2025-12 | 4 |  | delinquency 2x band |
| 2026-03 | 8 | capital below 7%, net worth falling, expense trap |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-07 [Two Missouri Credit Unions complete legal merger, expanding member value and community impact - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxPbDlDT1VoUmJzRXpEQVUtUDY4VGJpRGVJYW51Vks5c1h3aWFGRUdZdEJxZVdpcEhjOVljU0ZDWjRmNzBSMWFSaFhyLU40cEdzcXdzQ21SRHJ2OVVjTEZaV1U2RkYwRFJvNXFzX1JWVlJ4R0x6QXpuZW1MZTBYd0t4dFJqR3JmU0RWbTdKc0l1MlZHelVERVdGMVB4eEZWNUNYWUdTMngtSF8zZGU1MHhwM0Y3RlRtc1dMY2FGbnI3UFJFZXpvV3RTZ3pLaG85Zw?oc=5) · CUInsight
- 2026-04-06 [Two St. Louis credit unions merge to create $670M institution serving 43K members - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQc1l6bk9iV2lGOUE3UWp5R1UwMFlFejNFVWQ1RXdOVjZheHI1NUhoaTRwZm5BdV9mOGxOTFBuemdMYnp0ek95Nl9VZHI0VGNlY2hUVWJ5aV9TRW9XSVFuT0l4UXgxX1puUjYzZC1ub3E5cEdQQWhJdEJ6N0NiN0xDVGdsMnMzamI1Q1Y0ck1HMndDNnFwYmRqelVZcWg1Sk5QR2Ixb2ZfSTZwUQ?oc=5) · The Business Journals
- 2026-04-17 [Credit Union Mergers Move Forward in Missouri and Massachusetts - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPX210TXNIMnJqNFhvVTNNRENPcFhTdDZVVVV4QUlheldpVXBYQUttTW4yVFl2dVRmUno4TnhjSGZ5R2o2aE1VQjY5X05KXzJuSjdEamhmVmtva2lnS0VtOXEyOEhkV29TRExsTklJaHc1YUFBdlE4OTdYNjIzUWNDWlpSOUp6U3pYV0xBOTBiaGF6SGlxMTl0Q1dIYWVRU3F3?oc=5) · CUTimes
- 2025-11-17 [Two Missouri Credit Unions unite in strategic merger for a stronger future - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbHpUcVN5R3NpbXBrS1JreWJCWXFSX3E0SWVHWktZUURPc3RLRHc4Zk5lbTRYUk9LeG80cUctRF9wcUxvckxTVGhLUW43ZnR5aXBaenVOMGR2OHdmLVdKZUo4WDJnTWhDeVNBSVdoUmlTcWE5YzZlRUsxc0hkbVFqeGp0Wk0wS2FRSkk1MmlWdHRVOWhhREVYazJkWE41WjE3YkhMZHF3N3RibGlxb1l4UUlDZkRnUQ?oc=5) · CUInsight
- 2025-11-24 [St. Louis credit unions plan merger to create $700M institution amid rising costs - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZmlhRzdzUDVTTmhWX1pOSU1KU0d4akRYVzBiM1VIajRjZWFoRm53ajBUYXNTUm4zbkItQmhnc0ZUeGRPdWdiSTc2LW5ENFFzVTMyeDBLdWR3MUJsM3FIS3hzM01JWW9UTkZJUTVMMjRpLVZEcjB0YVlTWmladGhHbzZubmNrRXRGdWJkcWxWSk5wUzNmdnY2ZndWb1NKQWFKaG1UdV9NQVpldw?oc=5) · The Business Journals
- 2023-05-26 [Smith, Dale Wayne - Kutis Funeral Home Inc](https://news.google.com/rss/articles/CBMiXkFVX3lxTE01aEE5cm5SU3VZRlBfdy1QUVVXU1U3ODVYZmRvd0lZVHN5M1ZYUWdCZWVTcGxudElaaWFJTmJKYlhjVERwRk5QZ0RFMFRSLUdpTmFPbDFkNXBhaHFrWXc?oc=5) · Kutis Funeral Home Inc
- 2017-06-20 [Robbery suspect in fake beard jumps into river to avoid police - KOMU 8](https://news.google.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?oc=5) · KOMU 8
- 2024-05-21 [Gateway Metro Federal Credit Union puts downtown headquarters up for sale, plans exit from neighborhood - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPWTVtTHA2Y0J5YTl6YXFjZ09WRFVkWHpZaDY4dWl5Y2Y3ZElWV0pHWWt6SWo0QVZhNVYwSUp2TllNeXdaRndDaDgxejR5NGF4VFpBSWdrSUtQUEJBRUQ0UmxldnJ6SVRmUlNqVzc1RTlaaWNRS0d4NWZXTU9rLWpVUGdOLXBqNlBIOURDalc4ZERMVEdKZ3o4bkNwbExwdlFqN041X2F2Yzg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24797 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/29.json (key "24797", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24797
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide