Gateway Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Weak (2.3) profitability.
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 29.9 percent and a “hot money” ratio of 11.3 percent. A current level of 12.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.6).
Asset Mix:
Consumer loans (48%), home mtgs (14%), other (38%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
100 Otis Smith Drive
Clarksville, TN 37043
Clarksville, TN 37043
Phone Number
(931) 551-8271
NCUA Charter Number
Largest Competitors
Kingsport, TN
Knoxville, TN
Oak Ridge, TN
Clarksville, TN
Clarksville, TN