Civic Intelligence

Credit Unions Chartered in The

990 • Fiscal year 2022 • EIN 62-0631391

Jan 01, 2022 to Dec 31, 2022 • Filed on Mar 29, 2023

Organization ProfileWWW.GATEWAYCREDITUNION.COM

View Organization Page

100 Otis Smith DriveClarksville, TN 37043

(931) 551-8271

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

25th percentile

16.98x

Higher debt load relative to revenue than 25% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Net Margin

52nd percentile

11%

Higher net margin than 52% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

49th percentile

$73,820

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 10.1% of source-year revenue.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Asset Growth

69th percentile

2.3%

Faster asset growth than 69% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Revenue Growth

52nd percentile

7.0%

Faster revenue growth than 52% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$13,502,310

Up $297,578 (+2.3%) from 2021

Net Assets

Up

$1,057,599

Up $78,549 (+8.0%) from 2021

Liabilities

Up

$12,444,711

Up $219,029 (+1.8%) from 2021

Revenue And Expenses
Liabilities / Revenue25th percentileNet Margin52nd percentile

Revenue

Up

$732,988

Up $48,136 (+7.0%) from 2021

Expenses

Down

$654,440

Down $2,264 (-0.3%) from 2021

Net Income

Up

$78,548

Up $50,400 (+179%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth69th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2022

Assets$13,502,310
Liabilities$12,444,711
Net Assets$1,057,599
Open 2022 Filing

Operations Trend

Revenue Growth52nd percentile

Revenue, expenses, and net income across loaded years, with this 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

2022

Revenue$732,988
Expenses$654,440
Net Income$78,548
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Mar 29, 2023
Return Version
2022v5.0
Gross Receipts
$732,988
Mission and Program Overview

Mission

Credit union-to provide services for approximately 2,172 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$8,386,121$9,243,509▲ $857,388
Investments Other Securities$85,603$2,469,603▲ $2,384,000
Savings and Temporary Cash Investments$2,246,000--
Land, Buildings, and Equipment, Net$901,372$912,417▲ $11,045
Cash and Non-Interest-Bearing Accounts$1,369,194$626,992▼ $742,202
Cap Stk Tr Prin Current Funds$623,752$623,752→ $0
Rtn Earn Endowment Incm Other Fnds$355,298$433,847▲ $78,549
Prepaid Expenses and Deferred Charges$82,529$98,201▲ $15,672
Total Assets$13,204,732$13,502,310▲ $297,578
Other Assets Total$133,913$151,588▲ $17,675
Liabilities
Other Liabilities$12,172,778$12,292,031▲ $119,253
Accounts Payable and Accrued Expenses$52,904$152,680▲ $99,776
Total Liabilities$12,225,682$12,444,711▲ $219,029
Net Assets / Fund Balance
Total Net Assets Fund Balance$979,050$1,057,599▲ $78,549
Total Liabilities and Net Assets / Fund Balance$13,204,732$13,502,310▲ $297,578

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$451,872$212,687$664,559
Land$410,000-$410,000
Equipment$50,545$314,891$365,436
Other Securities$85,603--
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Annette PasseCEOFT$71,210$2,610$73,820

Board Members and Trustees

NameTitle
James Corey WattsBoard Chairm
Kayla EatonBoard Mem/sc
Diana MaxsonBoard Member
Sandra WallaceBoard Member
Michael WhiteBoard Secret
Deanna AkinBoard Treasu
Michael LongBoard Vice C
Barbara HallSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$681,611
Investment Income
$28,456
Other Revenue
$22,921
Change in Net Assets
$78,548
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$432,306
Salaries, Compensation, and Employee Benefits$222,134
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$262,988-$262,988
Office Expenses-$143,632-$143,632
Occupancy-$57,015-$57,015
Interest-$11,632-$11,632
All Other Expenses-$11,041-$11,041
Other Employee Benefits-$9,178-$9,178
Other Expenses-$7,200-$7,200
Conferences and Meetings-$2,400-$2,400
Payroll Taxes-$-50,032-$-50,032
Total Functional Expenses$0$654,440$0$654,440
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$6,186,002
All Other Shares$3,728,925
Share Drafts$2,377,104
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
2023-03-29
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
12
Volunteers
8

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
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, Page 5, Part V, Line 3B

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“Due to rounding 1 due to rounding 0 total 1”

Form 990, Part XII

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

Raw XML Appendix374 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
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IRS990/AccountsPayableAccrExpnssGrp/BOYAmt052904
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IRS990/ActivityOrMissionDesc0CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.
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IRS990/AllOtherExpensesGrp/TotalAmt011041
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IRS990/BooksInCareOfDetail/PhoneNum09315518271
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0100 OTIS SMITH DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0CLARKSVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0370438939
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IRS990/ChangeToOrgDocumentsInd0false
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IRS990/CompensationProcessOtherInd0false
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IRS990/ConservationEasementsInd0false
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IRS990/DecisionsSubjectToApprovaInd0true
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IRS990/DescribedInSection501c3Ind0false
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IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt012
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0642808
IRS990/FamilyOrBusinessRlnInd0false
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IRS990/ForeignFinancialAccountInd0false
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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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/PersonNm2SANDRA WALLACE
IRS990/Form990PartVIISectionAGrp/PersonNm3DEANNA AKIN
IRS990/Form990PartVIISectionAGrp/PersonNm4MICHAEL LONG
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHAEL WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm6KAYLA EATON
IRS990/Form990PartVIISectionAGrp/PersonNm7DIANA MAXSON
IRS990/Form990PartVIISectionAGrp/PersonNm8BARBARA HALL
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIRM
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD TREASU
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD VICE C
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD SECRET
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEM/SC
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY
IRS990/Form990ProvidedToGvrnBodyInd0false
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IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
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IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0732988
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt085603
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IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
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IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0CREDIT UNION-TO PROVIDE SERVICES FOR APPROXIMATELY 1,880 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0979050
IRS990/NetAssetsOrFundBalancesEOYAmt01057599
IRS990/NondeductibleContributionsInd0false
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IRS990/OccupancyGrp/TotalAmt057015
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IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherExpensesGrp/Desc0PROF & OUTSIDE SERVICES
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IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
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IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0-50032
IRS990/PayrollTaxesGrp/TotalAmt0-50032
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt082529
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IRS990/PrincipalOfficerNm0ANNETTE PASSE
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
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IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
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IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0355298
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0433847
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02246000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0451872
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0212687
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0664559
IRS990ScheduleD/EquipmentGrp/BookValueAmt050545
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0314891
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0365436
IRS990ScheduleD/LandGrp/BookValueAmt0410000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0410000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06186002
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13728925
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22377104
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02384000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt185603
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IRS990ScheduleD/TotalBookValueSecuritiesAmt02469603
IRS990ScheduleD/TotalLiabilityAmt012292031
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DUE TO ROUNDING 1 DUE TO ROUNDING 0 TOTAL 1
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt013502310
IRS990/TotalAssetsGrp/BOYAmt013204732
IRS990/TotalAssetsGrp/EOYAmt013502310
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IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0654440
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0654440
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt012225682
IRS990/TotalLiabilitiesEOYAmt012444711
IRS990/TotalLiabilitiesGrp/BOYAmt012225682
IRS990/TotalLiabilitiesGrp/EOYAmt012444711
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0979050
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01057599
IRS990/TotalOtherCompensationAmt02610
IRS990/TotalProgramServiceExpensesAmt0654440
IRS990/TotalProgramServiceRevenueAmt0681611
IRS990/TotalReportableCompFromOrgAmt071210
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0732988
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0732988
IRS990/TotalVolunteersCnt08
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013502310
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
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/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ANNETTE PASSE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09315518271
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-03-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GATEWAY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GATE
ReturnHeader/Filer/EIN0620631391
ReturnHeader/Filer/PhoneNum09315518271
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ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02023-03-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02023-03-29T14:14:22-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0ANNETTE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0PASSE
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,502,310
Liabilities
$12,444,711
Net assets
$1,057,599
Revenue
$732,988
Expenses
$654,440
Net income
$78,548
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