# GATEWAY
Springfield, OR · NCUA charter 63476 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gateway-63476

Who the members are: state charter, organized 1963, low-income designated. 1,959 members of 374,748 potential (0.5% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *quiet fade*. 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 | $30.4M |
| Members | 1,959 (-5.6% YoY) |
| Full-time staff | 4 |
| Net worth | $6.8M |
| Net worth ratio | 22.4% (p80 of band) |
| ROA (annualized) | 0.66% (p54 of band) |
| Total delinquency | 0.28% (p35 of band) |
| Net charge-offs (annualized) | -0.05% (p15 of band) |
| Loans / shares | 84% (p85 of band) |
| Cash / assets | 28.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p31 of band) |
| Operating expense / assets | 3.16% (p36 of band) |
| Vehicles % of loans | 13% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.30% (p44 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 77% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 12% |
| Average share balance | $8,222 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $37,070 |
| Loans granted, annualized | $2.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 2 | net worth falling |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | loans>95% of shares | delinquency rising |
| 2019-09 | 0 |  | loans>95% of shares |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | net worth falling, delinquency rising |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 3 | net worth falling, delinquency rising, members leaving |  |
| 2022-06 | 1 |  | net worth falling, delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | members leaving |
| 2023-03 | 2 | assets shrinking, members leaving |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | delinquency rising, loans>95% of shares |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | assets shrinking, loans>95% of shares |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | assets shrinking |  |
| 2025-06 | 1 |  | assets shrinking |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 3 | assets shrinking |  |
| 2026-03 | 2 |  | assets shrinking |

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

- 2026-07-24 [Peak Credit Union branch will rise on site of former Shari’s diner in Gateway area - Lookout Eugene-Springfield](https://news.google.com/rss/articles/CBMi7wFBVV95cUxONjVtWF9oRm51V1lEYmlDYXRIeU54Y3JhM1lwTjNxVy16RmdTak5lcmRrOGdnbGJEakRKQ1ZkeWF3dGxfMFJMbGRlb0RfM0ZhLWpJUXJqNWNBRzlMa3VVTkVCbGFtdVlOUUhwWHhFZ2xMWkxMNE1iV09EdzNWWUx0Q2F6ZHk1YlMzcHJndm1SS2ozRWhJMk5uUmVqSWZRQWNWUXF1Y0hURS1hVk13Y1c1X2d5bkg5Tnhscl84XzVDNTd6dk9YWHZqQzhndGZSdXI4V0Z5X3JmNElXbHEwUkVWSk5TQzFzQ2hlU2lvczBzNA?oc=5) · Lookout Eugene-Springfield
- 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
- 2026-06-01 [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
- 2026-07-09 [Together Credit Union Partners with the Gateway Region YMCA - FOX 2](https://news.google.com/rss/articles/CBMilAFBVV95cUxOdGJTbEpiVjlBUE56NDFicGlyODhUU2diYk9ibTA1SjNPMF83NUtBTFhwUWY5Q2xrck1QbTE0bWdyN2JfYkhmNk1RRUxQb2hmY2l5Rnh2cVY0NnpTZ3ZTZHJncGJLV1Nla1hHU3NqUDVEa00zSndfQVkzUTUxQXEtUUpyNVN4Y1lvVS0xM0dySjhvc1RE0gGaAUFVX3lxTE5pNVVBN3VRUnhSdVREVHhCWVMyblZZcF9obWc3RnVscnBIbmtXSkR6ZVcwS283eldDVXQwMll6eEhVLWREMkgwSXZhSnZEcmZIU0RseWNBNnYtb0Y2SHkwVW5kM1NtYXV0WUZRV3VvNDdVbkFRM3ExalpDQnltMkx5VlJ3TWF6aGlSQlY5dVotYkpJZzhZTnRERFE?oc=5) · FOX 2
- 2026-07-23 [Old Shari's site in Springfield making way for credit union - kezi.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNZGk5aWtvU1hoQmp4bVJnM2g2TzFRbVc0aE82QmJsd3FSV3V0cWtsM1VVemdyOXVkSFB4b0VwNXNpRVkwd1VmNld5dHRoWjNDeldmWUw4OG0ydUFLN3JKSHZEUUVIZHVYS3VtQUlsUTNSRmlVTGRGYXY2aG9UVEZtc2xFTzRCV0VrU1U1OUM3Q01sUF9hdkZTYVBUYmh6WDNXcmhwUlJ1Nzl3TVJaX09SSFJMUXVFTjBJNFdTbl9zTEVMN2lhSERvQ0IyUnMxWktXSmdkNXRrVQ?oc=5) · kezi.com
- 2026-04-17 [Credit Union Mergers Move Forward in Missouri and Massachusetts - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPX210TXNIMnJqNFhvVTNNRENPcFhTdDZVVVV4QUlheldpVXBYQUttTW4yVFl2dVRmUno4TnhjSGZ5R2o2aE1VQjY5X05KXzJuSjdEamhmVmtva2lnS0VtOXEyOEhkV29TRExsTklJaHc1YUFBdlE4OTdYNjIzUWNDWlpSOUp6U3pYV0xBOTBiaGF6SGlxMTl0Q1dIYWVRU3F3?oc=5) · CUTimes
- 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
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63476 (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/52.json (key "63476", 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=63476
- 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