# 1ST GATEWAY
Camanche, IA · NCUA charter 63124 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/1st-gateway-63124

Who the members are: state charter, organized 1953. 10,317 members of 1,827,145 potential (0.6% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 373.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $171.9M |
| Members | 10,317 (-1.4% YoY) |
| Full-time staff | 43 |
| Net worth | $23.7M |
| Net worth ratio | 13.8% (p74 of band) |
| ROA (annualized) | 0.81% (p58 of band) |
| Total delinquency | 0.20% (p15 of band) |
| Net charge-offs (annualized) | 0.13% (p25 of band) |
| Loans / shares | 87% (p84 of band) |
| Cash / assets | 20.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.05% (p74 of band) |
| Operating expense / assets | 3.85% (p58 of band) |
| Vehicles % of loans | 31% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 118% (p73 of band) |
| Vehicle delinquency | 0.43% (p41 of band) |
| Vehicle NCO | 0.94% (p71 of band) |
| Repossessed % of vehicle book | 0.07% (p76 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 32% |
| Average share balance | $6,956 |
| Participations bought / yr | $3.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $19.3M |
| Loans outstanding per 100 members | 373% |
| Loans granted per 100 members, annualized | 454% |
| Average loan balance | $3,325 |
| Loans granted, annualized | $32.3M |

## Participation posture (from the same filings)

Bought $3.3M and sold $0 in the latest annualized quarter; $19.3M outstanding purchased (81.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | loans>95% of shares |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | net worth falling |  |
| 2017-06 | 4 | delinquency rising | net worth falling |
| 2017-09 | 3 |  | delinquency rising |
| 2017-12 | 3 |  |  |
| 2018-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 3 |  | delinquency 2x band, delinquency rising |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | margin squeeze |  |
| 2019-09 | 3 |  | margin squeeze |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | net worth falling | loans>95% of shares |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | delinquency 2x band | net worth falling |
| 2020-12 | 2 |  | leaning on borrowings |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 3 | delinquency rising | net worth falling, margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 | charge-offs p90 | 3rd-party paper>100% NW, delinquency rising |
| 2022-06 | 2 | assets shrinking | charge-offs p90 |
| 2022-09 | 3 | 3rd-party paper>100% NW |  |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 3 | loans>95% of shares |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | assets shrinking, loans>95% of shares |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | net worth falling | 3rd-party paper>100% NW |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 1 | 3rd-party paper>100% NW |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-06-01 [1ST Gateway Credit Union bringing “Credit Union Kicks” to all Clinton elementary schools this fall - Clinton Herald](https://news.google.com/rss/articles/CBMinAJBVV95cUxNX3RmRFBrUU0zQjJQMEI4RWoyUm5CazRtTDYtOElrWnRJOEtUVnFhRndxb3N5bEF2RjhPVEFZMFhGdTUzYmh0by1BckU3Tm9BalpvVjY3cWcwakYwTmZUOEdYemphMDhnampNMnhyQ0V3UlF2c3FFbFlPUXl5MFU2LVN1S2pGbzVaUkVWZ2RGd01vOUFyS1JYamtoYjhTOGlhazhnMXRoVFVzNklBVWJzcDNfTkVneU5KSWJUTnNuUjJEZGlBZ2FjUEk5SE5Mb0lURHRMelJSaXlkTWs4Rk1mNF9YSElFY1VMTGNIRTVGT1Rfd2twMW1ReXRaQWt3d0RWTVFCenBxeWtGR1dRWXdaUnlKUXRWY1JQOTQ5QQ?oc=5) · Clinton Herald
- 2025-10-21 [Stepping up for students: Quad-Cities credit union donates shoes to entire school - KWQC](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNndRemdmLVNBbUJIUGtYR0d5OEVKaFF0ell3SjFXcU5IcVZWX2NkSEZIcDZ2dFZ4VUZFSEpmYXJ6V3FNdDNEUW9BVTJnOVZwMVYwZGViSkFuOUNxT3F4V0wzZWF3UF9UMlNlcXpYSFp6eE02WTFZal8tcDRkX2RGUGNfUmVqWWJsQUZyeVd3cjJNeEx5clVMekVtaTNQengxOGfSAbYBQVVfeXFMUF9GTDVWQ3BxZTRPdUlpWjhZTjFMcFM4Vk5jRy16M0VmWVZ6aE1FaHF3UXJmQXh2RkZkVUZtS3l5dzdHdXJNT1N0SWxRTkhyT3N4R2szbkJWMV91VHdDVHR0akl3UmtmblNfS0E5S1IxQnZsMnM0SDhwS244aGRNSFhKYUdQZ2wyeERnOVJibTVWQmU5M3pQZXFpMUN5R3cxSGk5RmRlU2RDdDNma2c0Mk5zLTYweGc?oc=5) · KWQC
- 2025-10-21 [Camanche Elementary School students receive free, brand-new shoes - OurQuadCities](https://news.google.com/rss/articles/CBMisAFBVV95cUxOZ3U5Vk1fUm4wdlVQRy1EMlQ3NjZkZ1BETjJhV0ZNQmVlS3pheW5DMmQ1N2N4SUszNHJhZVZhUUdUV0otWlRmVHdVVHRpZlo1TGpoTGV4OTJvTjVmT2l4NV9VNHdTZmsxa3B6V2dOS0NMa2E2OWo1V21uSWRLbjBMWnZpZU53M3BLZ1ZjZTZUYjBtT0FvcGlNaThLZXlVR2Nid2E4Zks5M0NaQlRsUGlpZdIBtgFBVV95cUxPaDhSS1RYeFFLMkt4b1N4MS1TcEwwWGhEVUZkNUl1VnBPQUN3ZW1PTkFqOWZnbW5KYWZnWUVNeG5BZk5CbVdoLXc4Q3hLOHFzcW9ES2UyVW5PeVNydjlkZzBDdVkwQ3hLZWJybHRjakZwT3ZhR01wWUM3eHprTGJWUXZXZXg1cF9heE4zUXUyRUtjM0hCTlNiN0lIUnJya1Zuek1GM3JtcE5HVkNKVlNtLWtGRlQzUQ?oc=5) · OurQuadCities
- 2019-06-26 [Obituary, Visitation & Funeral Information | Pat Phillips - Snell-Zornig Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE9JeVk1dTltTHhOR3IwVG52TEIyb2dLWHBmTWZIanhndld6ZF9jQW9KU213ZkVfcmVMVlhUeXVqcldWSnI0R1k3SU5pNmxzQjBrQjUtUldDakFKbnZUUkhmenhEYWpMTEpmeEVJWVU5cw?oc=5) · Snell-Zornig Funeral Homes
- 2020-06-29 [1st Gateway named one of best credit unions in the nation - Clinton Herald](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQY0pCRGdlU195ZEJMU2hrUnp5N3dJWVBQRkxRY2V1Nng3dktUamRUdTRQVEtzRlNzZ29ibGlmbVpMU0VZaUIwbHZURTU4ay1Ea1dob2w0TWxybzlBMHdxaks1MEtXWERseG01OVM0eVdNTk1OeTNqaHFlVHBnQjQ4bks3SXhIVkIxcnI2RElHMGhUMWlmV0JWRklxV0JLR0hxR3ZjWldMaWFZSHcwa2x3M0xmNHJwb0NpLUd2ZWhmMW5yX3BIV24wUkpROWd0VXUzZVhoaXB4eHpRQ2gwN0hPTTNtbmxnNUs1?oc=5) · Clinton Herald
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2018-04-25 [Andrew L. Rempfer's Obituary, Visitation & Funeral Information - Snell-Zornig Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE5Qa2twdVB3ZEF4QU5RUzNXMHgyempZRmh2UTU1Rk43VWFKLWZuYTh3XzJwRURVeF9YRG9FdnRLeTF1MkNOWUVhdDhZMktQMERJNUV1S18yTFFnMll2ZTU0T3hrTjZDTWhWRFVzZE8zdw?oc=5) · Snell-Zornig Funeral Homes
- 2012-10-07 [View Judy Meland's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNTDFsdFotcC0wY01uVDFVdFdtbEUyR3VtSGItd3FpYjVFaWlSa0VOOGZoMUg3V1NtMU15MUJCdzEtaE1GdUY5dHBDN2FnQk10MTA3ejJyYmJSNS1PRHlISHB3QlZ6TVB5N1M5WEZNbW9jNkcxbEl2Y185OERWSV8wVVNSLTJaU3h4YVMzU0pDZHRzVGR2R3BzOGtQZUlFdjlCdnc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63124 (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/20.json (key "63124", 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=63124
- 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