Civic Intelligence

Gateway Credit Union

EIN 62-0631391 • 501(c)14 • Clarksville, TN

View Organization Page

Profile

Credit union-to provide services for approximately 2,172 members in the form of loans, savings, and other financial services.

100 Otis Smith DriveClarksville, TN 37043

www.gatewaycreditunion.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

68th percentile

0.90x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

26th percentile

13.03x

Higher debt load relative to revenue than 26% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

59th percentile

10%

Higher net margin than 59% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

87th percentile

6.9%

Faster asset growth than 87% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

70th percentile

16%

Faster revenue growth than 70% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$15,675,927

Up $1,125,192 (+7.7%) from 2024

Liabilities

Up

$14,345,084

Up $1,318,532 (+10%) from 2024

Net Assets

Down

$1,330,843

Down $193,340 (-13%) from 2024

Operations
Liabilities / Revenue26th percentileNet Margin59th percentile

Revenue

Up

$1,049,417

Up $49,314 (+4.9%) from 2024

Expenses

Up

$1,242,757

Up $343,189 (+38%) from 2024

Net Income

Down

-$193,340

Down $293,875 (-292%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth87th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2015: $11,417,690Liabilities 2015: $10,709,949Net Assets 2015: $707,7412015Assets 2016: $11,348,026Liabilities 2016: $10,592,790Net Assets 2016: $755,2362016Assets 2017: $11,078,284Liabilities 2017: $10,283,627Net Assets 2017: $794,6572017Assets 2018: $11,060,017Liabilities 2018: $10,199,954Net Assets 2018: $860,0632018Assets 2019: $11,712,350Liabilities 2019: $10,805,133Net Assets 2019: $907,2172019Assets 2020: $12,043,351Liabilities 2020: $11,092,449Net Assets 2020: $950,9022020Assets 2021: $13,204,732Liabilities 2021: $12,225,682Net Assets 2021: $979,0502021Assets 2022: $13,502,310Liabilities 2022: $12,444,711Net Assets 2022: $1,057,5992022Assets 2023: $13,613,521Liabilities 2023: $12,562,693Net Assets 2023: $1,050,8282023Assets 2024: $14,550,735Liabilities 2024: $13,026,552Net Assets 2024: $1,524,1832024Assets 2025: $15,675,927Liabilities 2025: $14,345,084Net Assets 2025: $1,330,8432025

Highlighted filing

2025

Assets$15,675,927
Liabilities$14,345,084
Net Assets$1,330,843
Open 2025 Filing

Operations Trend

Revenue Growth70th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KRevenue 2015: $722,494Expenses 2015: $675,060Net Income 2015: $47,4342015Revenue 2016: $678,410Expenses 2016: $630,915Net Income 2016: $47,4952016Revenue 2017: $656,684Expenses 2017: $617,262Net Income 2017: $39,4222017Revenue 2018: $711,264Expenses 2018: $645,858Net Income 2018: $65,4062018Revenue 2019: $724,217Expenses 2019: $677,063Net Income 2019: $47,1542019Revenue 2020: $729,441Expenses 2020: $685,756Net Income 2020: $43,6852020Revenue 2021: $684,852Expenses 2021: $656,704Net Income 2021: $28,1482021Revenue 2022: $732,988Expenses 2022: $654,440Net Income 2022: $78,5482022Revenue 2023: $860,716Expenses 2023: $842,487Net Income 2023: $18,2292023Revenue 2024: $1,000,103Expenses 2024: $899,568Net Income 2024: $100,5352024Revenue 2025: $1,049,417Expenses 2025: $1,242,757Net Income 2025: -$193,3402025

Highlighted filing

2025

Revenue$1,049,417
Expenses$1,242,757
Net Income-$193,340
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,675,927
Liabilities
$14,345,084
Net assets
$1,330,843
Revenue
$1,049,417
Expenses
$1,242,757
Net income
-$193,340
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$15.7$14.3$1.33$1.05$1.24$0.19
2024Detailed filing. Detailed filing data is available for this year.$14.6$13.0$1.52$1.00$0.90$0.10
2023Detailed filing. Detailed filing data is available for this year.$13.6$12.6$1.05$0.86$0.84$0.02
2022Detailed filing. Detailed filing data is available for this year.$13.5$12.4$1.06$0.73$0.65$0.08
2021Detailed filing. Detailed filing data is available for this year.$13.2$12.2$0.98$0.68$0.66$0.03
2020Detailed filing. Detailed filing data is available for this year.$12.0$11.1$0.95$0.73$0.69$0.04
2019Detailed filing. Detailed filing data is available for this year.$11.7$10.8$0.91$0.72$0.68$0.05
2018Detailed filing. Detailed filing data is available for this year.$11.1$10.2$0.86$0.71$0.65$0.07
2017Detailed filing. Detailed filing data is available for this year.$11.1$10.3$0.79$0.66$0.62$0.04
2016Detailed filing. Detailed filing data is available for this year.$11.3$10.6$0.76$0.68$0.63$0.05
2015Summary only. Only limited summary data is available for this year.$11.4$10.7$0.71$0.72$0.68$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 23, 2026
Return Version
2025v4.0
Gross Receipts
$1,049,417
Mission and Program Overview

Mission

Credit union-to provide services for approximately 1,947 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$10,384,330$10,578,322▲ $193,992
Savings and Temporary Cash Investments$1,975,000$2,070,000▲ $95,000
Cash and Non-Interest-Bearing Accounts$863,471$1,653,221▲ $789,750
Rtn Earn Endowment Incm Other Fnds$900,431$1,330,843▲ $430,412
Land, Buildings, and Equipment, Net$914,369$884,756▼ $29,613
Cap Stk Tr Prin Current Funds$623,752--
Prepaid Expenses and Deferred Charges$95,590$116,900▲ $21,310
Investments Other Securities$110,559$110,559→ $0
Total Assets$14,550,735$15,675,927▲ $1,125,192
Other Assets Total$207,416$262,169▲ $54,753
Liabilities
Other Liabilities$12,872,231$14,161,843▲ $1,289,612
Accounts Payable and Accrued Expenses$154,321$183,241▲ $28,920
Total Liabilities$13,026,552$14,345,084▲ $1,318,532
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,524,183$1,330,843▼ $193,340
Total Liabilities and Net Assets / Fund Balance$14,550,735$15,675,927▲ $1,125,192

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$410,295$254,264$664,559
Equipment$64,461$401,147$465,608
Land$410,000-$410,000
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Annette PasseCEOFT$81,080$81,080

Board Members and Trustees

NameTitle
James Corey WattsBoard Chairm
Deanna AkinBoard Member
Robert MillerBoard Member
Tammie HogueBoard Member
Sandra WallaceBoard Secret
Diana MaxsonBoard Treasu
Michael LongBoard Vice C
Barbara HallSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$873,669
Investment Income
$126,092
Other Revenue
$49,656
Change in Net Assets
$-193,340
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$898,838
Salaries, Compensation, and Employee Benefits$343,919
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$308,448-$308,448
Office Expenses-$184,058-$184,058
Interest-$109,061-$109,061
Occupancy-$61,227-$61,227
Payroll Taxes-$23,858-$23,858
All Other Expenses-$18,267-$18,267
Other Employee Benefits-$11,613-$11,613
Other Expenses-$10,839-$10,839
Conferences and Meetings-$5,571-$5,571
Total Functional Expenses$0$1,242,757$0$1,242,757
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$6,403,992
All Other Shares$5,082,262
Share Drafts$2,675,589
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Gateway Credit Union
EIN
62-0631391
Phone
9315518271
Address
100 OTIS SMITH DRIVE, CLARKSVILLE, TN 37043

Signing Officer

Name
Annette Passe
Title
CEO
Phone
9315518271
Signed
2026-03-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Annette Passe
Formed
1959
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
8

Preparer

Firm
Credit Union Audit Group
Address
1709 HERMITAGE BLVD SUITE 200, TALLAHASSEE, FL 32308
Preparer
Marcus King
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors and supervisory committee without compensation.”

Form 990, Part XI, Line 9

“Equity from merger 0 due to rounding 0 acct adj - cecl 0”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML Appendix364 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0154321
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0183241
IRS990/AccountsReceivableGrp/BOYAmt010384330
IRS990/AccountsReceivableGrp/EOYAmt010578322
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt018267
IRS990/AllOtherExpensesGrp/TotalAmt018267
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0ANNETTE PASSE
IRS990/BooksInCareOfDetail/PhoneNum09315518271
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0100 OTIS SMITH DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0CLARKSVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0370438939
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0623752
IRS990/CashNonInterestBearingGrp/BOYAmt0863471
IRS990/CashNonInterestBearingGrp/EOYAmt01653221
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt05571
IRS990/ConferencesMeetingsGrp/TotalAmt05571
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0126092
IRS990/CYOtherExpensesAmt0898838
IRS990/CYOtherRevenueAmt049656
IRS990/CYProgramServiceRevenueAmt0873669
IRS990/CYRevenuesLessExpensesAmt0-193340
IRS990/CYSalariesCompEmpBnftPaidAmt0343919
IRS990/CYTotalExpensesAmt01242757
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01049417
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt01133696
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0ANNETTE PASSE
IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES COREY WATTS
IRS990/Form990PartVIISectionAGrp/PersonNm2MICHAEL LONG
IRS990/Form990PartVIISectionAGrp/PersonNm3SANDRA WALLACE
IRS990/Form990PartVIISectionAGrp/PersonNm4DEANNA AKIN
IRS990/Form990PartVIISectionAGrp/PersonNm5ROBERT MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm6DIANA MAXSON
IRS990/Form990PartVIISectionAGrp/PersonNm7TAMMIE HOGUE
IRS990/Form990PartVIISectionAGrp/PersonNm8BARBARA HALL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt081080
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIRM
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD VICE C
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRET
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD TREASU
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01959
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01049417
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt0109061
IRS990/InterestGrp/TotalAmt0109061
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0126092
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0126092
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0110559
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0110559
IRS990/IRPDocumentCnt07
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0655411
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0914369
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0884756
IRS990/LandBldgEquipCostOrOtherBssAmt01540167
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION-TO PROVIDE SERVICES FOR APPROXIMATELY 2,172 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01524183
IRS990/NetAssetsOrFundBalancesEOYAmt01330843
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt061227
IRS990/OccupancyGrp/TotalAmt061227
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0184058
IRS990/OfficeExpensesGrp/TotalAmt0184058
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0207416
IRS990/OtherAssetsTotalGrp/EOYAmt0262169
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt011613
IRS990/OtherEmployeeBenefitsGrp/TotalAmt011613
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXP
IRS990/OtherExpensesGrp/Desc3EDUCATIONAL & PROMO EXP
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0325501
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1145195
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt239119
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt310839
IRS990/OtherExpensesGrp/TotalAmt0325501
IRS990/OtherExpensesGrp/TotalAmt1145195
IRS990/OtherExpensesGrp/TotalAmt239119
IRS990/OtherExpensesGrp/TotalAmt310839
IRS990/OtherLiabilitiesGrp/BOYAmt012872231
IRS990/OtherLiabilitiesGrp/EOYAmt014161843
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc1UBIT
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt027190
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt027190
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt122466
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt022466
IRS990/OtherRevenueTotalAmt049656
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0308448
IRS990/OtherSalariesAndWagesGrp/TotalAmt0308448
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt023858
IRS990/PayrollTaxesGrp/TotalAmt023858
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt095590
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0116900
IRS990/PrincipalOfficerNm0ANNETTE PASSE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0707183
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1166486
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0707183
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1166486
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0109061
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0136225
IRS990/PYOtherExpensesAmt0551229
IRS990/PYOtherRevenueAmt0121529
IRS990/PYProgramServiceRevenueAmt0742349
IRS990/PYRevenuesLessExpensesAmt0100535
IRS990/PYSalariesCompEmpBnftPaidAmt0348339
IRS990/PYTotalExpensesAmt0899568
IRS990/PYTotalRevenueAmt01000103
IRS990/ReconcilationRevenueExpnssAmt0-193340
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0900431
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01330843
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01975000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02070000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0410295
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0254264
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0664559
IRS990ScheduleD/EquipmentGrp/BookValueAmt064461
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0401147
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0465608
IRS990ScheduleD/LandGrp/BookValueAmt0410000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0410000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06403992
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15082262
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22675589
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0884756
IRS990ScheduleD/TotalLiabilityAmt014161843
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7EQUITY FROM MERGER 0 DUE TO ROUNDING 0 ACCT ADJ - CECL 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt014550735
IRS990/TotalAssetsEOYAmt015675927
IRS990/TotalAssetsGrp/BOYAmt014550735
IRS990/TotalAssetsGrp/EOYAmt015675927
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01242757
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01242757
IRS990/TotalGrossUBIAmt022466
IRS990/TotalLiabilitiesBOYAmt013026552
IRS990/TotalLiabilitiesEOYAmt014345084
IRS990/TotalLiabilitiesGrp/BOYAmt013026552
IRS990/TotalLiabilitiesGrp/EOYAmt014345084
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01524183
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01330843
IRS990/TotalProgramServiceExpensesAmt01242757
IRS990/TotalProgramServiceRevenueAmt0873669
IRS990/TotalReportableCompFromOrgAmt081080
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01026951
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01049417
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt022466
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt014550735
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015675927
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0100 OTIS SMITH DRIVE
IRS990/USAddress/CityNm0CLARKSVILLE
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd0370438939
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.GATEWAYCREDITUNION.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ANNETTE PASSE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09315518271
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GATEWAY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GATE
ReturnHeader/Filer/EIN0620631391
ReturnHeader/Filer/PhoneNum09315518271
ReturnHeader/Filer/USAddress/AddressLine1Txt0100 OTIS SMITH DRIVE
ReturnHeader/Filer/USAddress/CityNm0CLARKSVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037043
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CREDIT UNION AUDIT GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01709 HERMITAGE BLVD SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032308
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARCUS KING
ReturnHeader/ReturnTs02026-03-23T16:22:41-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.