Gateway Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (5.0) profitability. A current level of 16.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.9).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 0.0. Fair liquidity 4.3, driven by a liquidity ratio of 26.8 percent and a “hot money” ratio of 9.9 percent.
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