# GATEWAY
CLARKSVILLE, TN · NCUA charter 68171 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gateway-68171

Who the members are: state charter, organized 1959. 2,160 members of 234,153 potential (0.9% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.9M |
| Members | 2,160 (-2.4% YoY) |
| Full-time staff | 6 |
| Net worth | $1.4M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 0.50% (p46 of band) |
| Total delinquency | 1.09% (p64 of band) |
| Net charge-offs (annualized) | -0.29% (p6 of band) |
| Loans / shares | 73% (p72 of band) |
| Cash / assets | 26.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.54% (p75 of band) |
| Operating expense / assets | 5.12% (p80 of band) |
| Vehicles % of loans | 58% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.05% (p66 of band) |
| Vehicle NCO | 0.57% (p82 of band) |
| Repossessed % of vehicle book | 1.21% (p99 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 19% |
| Average share balance | $3,534 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $12,910 |
| Loans granted, annualized | $3.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 4 | expense trap |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | expense trap |
| 2017-03 | 4 | net worth falling |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 1 |  | capital below 7% |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 3 | repo signal, assets shrinking | delinquency rising |
| 2019-12 | 3 | delinquency 2x band, delinquency rising | repo signal, assets shrinking |
| 2020-03 | 4 | repo signal |  |
| 2020-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2020-09 | 2 | expense trap | repo signal |
| 2020-12 | 3 | delinquency 2x band |  |
| 2021-03 | 7 | capital below 7%, losing money, margin squeeze, loan book shrinking | expense trap |
| 2021-06 | 4 | members leaving, auto monoline | capital below 7%, losing money, margin squeeze, loan book shrinking |
| 2021-09 | 6 | expense trap, margin squeeze, delinquency rising | members leaving |
| 2021-12 | 5 |  | expense trap |
| 2022-03 | 5 | expense trap, assets shrinking | margin squeeze, delinquency rising |
| 2022-06 | 5 | delinquency rising | assets shrinking |
| 2022-09 | 3 |  | expense trap, delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | delinquency 2x band |
| 2023-06 | 3 | delinquency 2x band |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 3 | repo signal | delinquency 2x band, delinquency rising |
| 2024-03 | 7 | net worth falling, delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2024-06 | 4 |  | auto monoline, net worth falling, delinquency rising |
| 2024-09 | 2 | auto monoline | thin capital, repo signal, charge-offs p90 |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 | repo signal | delinquency rising |
| 2025-06 | 2 |  | repo signal |
| 2025-09 | 4 | losing money, repo signal, members leaving | auto monoline |
| 2025-12 | 6 | thin capital, net worth falling, charge-offs p90 | delinquency 2x band |
| 2026-03 | 3 |  | losing money, members leaving, charge-offs p90 |

## 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
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer &amp; Kolbe
- 2021-12-01 [Gateway Credit Union in Clarksville robbed at gunpoint, suspect at large - Clarksville Now](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQb3hCX0V0UG1nSFhFMWpXcmRzWEJqS2VSc1J0dXZCQmkyRlF2RXVtWHJnREN2Rzh2dU5pcDZaNDJydllaWER1UXM0N1BRV3lHbWtXUEVqT3FVbFV0OVpSdkxCcmQ3VzU3Z2J4QkNseWhRYUpNY3hnQ0l4di1NcGV3bFR3UXFMOHBZN09TS0szTFdkMnBtM19SQ25Kbkc1Vi1wbGlBNndJUlc?oc=5) · Clarksville Now
- 2026-07-13 [Planes, Trains, Automobiles. Wilson County free transit breakfast set - The Tennessean](https://news.google.com/rss/articles/CBMiswFBVV95cUxOTEFST2tDdFJhazJyb3o1WVhxaGQ3NHdtQ3dra1dBT3NwSjlhMXNUNENLVm5iOF9HTW5pM0xqdjdkVDJNVzM5bnM5SDlZdXB2T0tyTFlBRVZEeVd4Y1JBd1VqTVZiZ0daQndIc000WGdKemhZdktSaXc2d3BPcDFtaTZTQ0pHay1sWkhtYXlnNF85MFhoX0hublVUU3FNUW1CdUktbFkwaElTX251WnlHbG9uNA?oc=5) · The Tennessean
- 2014-06-12 [Former Gateway Credit Union CEO Christina Pace of Clarksville facing charges in TBI Fraud Case - Clarksville Online](https://news.google.com/rss/articles/CBMizwFBVV95cUxPRHNEZWp4SlA1YmZ0Tng4cHoyT2NQaVB3MkdoT1ZVYWdvbnVGbUdPbXlENUNCTm94WkpCajlJbG1KdHRueFlUVVMtSmlGM21JRVdyX3VWb3BPN2FiSVlWUUZDNG0yMjhjNFYyRzVQZXlYV3RtZGZFNm5TYlVYdFJFOGF0OTZWeXBqNWZ6SGtLV0JqdVNpYWdRUy1TekdXWG0yZENjNWEwcExuUDBwcEdOODBMUmZrSExnY2ZFVHc4NTJyMk1NQUo1S0FZZU1waGM?oc=5) · Clarksville Online
- 2018-01-16 [Murfreesboro's Gateway may add Redstone Federal Credit Union - The Daily News Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxPeWFTMmZCSFpsTGdwV3pwMjRNTUd3Umpqa3BQZFZRRmlYTUFZMjhZREZiUkVTU0V6Z2pFRXo4NkJzZWw1MFExcWtsV3JYMno5dk16MEV5Sm42TkFJRU05dkJEdjZjVXQtZHdETGc4LVhJUTBMS3IycHM0UDBubXpVSTRFTWZ2YXR3RXJkcnpKWE9DU2YtNDQtNzAtVFBsN1k4YzhOMmJYRG5RWHYydEhZSkpvQQ?oc=5) · The Daily News Journal
- 2021-11-21 [Partnership draws online students, and scrutiny, for a community college - Inside Higher Ed](https://news.google.com/rss/articles/CBMisAFBVV95cUxNbS1HWVF3cGtZWUY3bkE0YVFVWnhNd3dOMVFjSTN2WXE0bVEwZElNelBlRm9URTFqSDRLQ2pqQlF2SmV5bWJ6VXFRcURsMFBCQ2tYNkZSXzd5RWNUaWhnTTdqOVhmaXVlLUdDOG9LY2FudjhZeHFFTjQtWGlUVURTNGlEeTNETGNKOGpFcUdGUXhsci1Ra2x0V281Y1FqUWh3cHRCMU9aeGpKMk5yaDlReg?oc=5) · Inside Higher Ed
- 2018-08-20 [Frenchtown Gateway projected to spur $174.3M economic impact - Tallahassee Democrat](https://news.google.com/rss/articles/CBMizwFBVV95cUxNbTUyT0FqMmRIZUxpWXhRR2NoMkt1NnlqeE5VbUZtVzBHb1VCaFlzTXlRSm44SjRxUnJ5LWxfQWZfSkJrNjY3YVpDZUY4M2wyUjZra2ZKbENGbTRpMmV5YXFEQ3pFM29MMWdVNkk0Ym9ETV92b0ttME5XdnBUbl9lSFpBRzI4djlnTWtBWVZSZkc2MmVvcmhoRzM4dnpPenFPLXpPSW5ENXNmd0R4R1Bfei1TTlF6VTdNWVVmcER4Q2ZUcWwwT1FsNWg0MnJTd1k?oc=5) · Tallahassee Democrat

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68171 (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/11.json (key "68171", 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=68171
- 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