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 Very Weak overall stability index (1.0 on a scale of 0 to 10). A current level of 33.2 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Weak asset quality (2.2).
Other Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Fair (4.0) profitability. Fair liquidity 4.6, driven by a liquidity ratio of 28.7 percent and a “hot money” ratio of 5.7 percent.
Asset Mix:
Consumer loans (49%), home mtgs (10%), other (41%)
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
Tullahoma, TN
Clarksville, TN
Clarksville, TN