Gateway Regional Credit Union

Gateway Regional Credit Union is headquartered in Saint Louis and is the 44^th largest credit union in the state of Missouri. It is also the 2,617^st largest credit union in the nation. It was established in 1956 and as of September of 2011, it had grown to 15 employees and 6,269 members. Gateway Regional Credit Union's money market rates are 48% higher than the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics GATEWAY REGIONAL NCUA # 62711 BankRate Report View Year Established 1956 Employees 15 Primary Regulator Assets and Liabilities Assets $37.74 million Loans $17.64 million Deposits $31.84 million Equity Capital $5.70 million Loan Loss Allowance $268,000 Unbacked Noncurrent Loans $169,000 Historic Data - September 2010 Assets $36.28 million Equity Capital $5.69 million Loan Loss Allowance $293,000 Unbacked Noncurrent Loans $199,000 Profit Margin - Quarterly Net Interest Margin 5.1% Return on Assets 0.6% Return on Equity 3.96% Interest Income $1.36 million Non-Interest Income $586,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Gateway Regional Credit Union had $169,000 in non-current loans and owned real-estate with $5.96 million in equity and loan loss allowances on hand to cover it. This gives Gateway Regional Credit Union a Texas Ratio of 2.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Gateway Regional Credit Union held steady from 3.33% as of September 30, 2010 to 2.83% as of September 30, 2011, resulting in a positive change of 14.83%.This indicates that the balance sheet and financial strength for Gateway Regional Credit Union has held steady in recent periods. Deposit Growth In the past year, Gateway Regional Credit Union has increased its total deposits by $1.68 million, resulting in 5.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Gateway Regional Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Gateway Regional Credit Union has $37.74 million in assets with $5.96 million in equity, resulting in a capitalization level of 15.81%, which is excellent.

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