Gateway Credit Union
Major Rating Factors:
A current level of 22.6 percent of nonperforming loans to core capital combined with 33.2 percent from a year earlier contributes to the Weak asset quality (2.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.7, driven by a liquidity ratio of 31.1 percent and a “hot money” ratio of 9.0 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.7) profitability.
Asset Mix:
Consumer loans (51%), home mtgs (10%), 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
Tullahoma, TN
Clarksville, TN
Clarksville, TN