Gates Chili Federal Credit Union

Headquarters: Rochester, New York
Charter: Credit Union
Assets: $30.4M
Fed district: New York
Regulator: NCUA

Explore Hamilton View published fees

Compared with New York

3 of 12

compared fees are above the median.

5 below, 4 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
9th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 12 compared; 5 below, 4 about the same
See the fees
Fee schedule read Oct 17, 2026

How these figures are measured

Call-report figures are for Gates Chili Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out.	NCUA 5300 call report Account 131 / (Account 115 + Account 117)	Q2 2026 Year to date	Not recorded
Fees above the New York median	Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Gates Chili Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Gates Chili Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was 1.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (9th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $5K in Q2 2026, 17% below the same quarter a year earlier ($6K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 12 compared published fees sit above the New York median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with New York medians for fees published by banks and credit unions.

NSF / Returned Item
Gates Chili Federal Credit Union: $25
Gates Chili Federal Credit Union: $25
New York median: $30140 publishNew York district median: $30194 publishU.S. median: $302,858 publish
Wire Transfer (Domestic Out)
Gates Chili Federal Credit Union: $25
Gates Chili Federal Credit Union: $25
New York median: $25136 publishNew York district median: $25191 publishU.S. median: $252,631 publish
Stop Payment
Gates Chili Federal Credit Union: $25
Gates Chili Federal Credit Union: $25
New York median: $25171 publishNew York district median: $25250 publishU.S. median: $27.503,350 publish

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 29% from Q3 2025 to Q2 2026, to $5K. Its share of revenue, 1.5%, is below the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$5K

$7KQ3 2025

$6KQ4 2025

$5KQ1 2026

$5KQ2 2026

Against the median

Share of revenue1.5% / 7.2%

Gates Chili Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Gates Chili Federal Credit Union · $30M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Credit unions only
$30M to $31M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Gates Chili Federal Credit Union(this institution)	Rochester, NY	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alcon Employees Federal Credit Union	Fort Worth, TX	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bakersfield City Employees Federal Credit Union	Bakersfield, CA	$30M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cincinnati Interagency Federal Credit Union	Cincinnati, OH	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Financial Services Federal Credit Union	Roselle, NJ	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cusa Federal Credit Union	Covington, LA	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
De Soto Mo Pac Federal Credit Union	De Soto, MO	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Elca Federal Credit Union	Chicago, IL	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ferko Md Federal Credit Union	Frederick, MD	$30M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Financial Health Federal Credit Union	Indianapolis, IN	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Area Federal Credit Union	Lewistown, PA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gha Federal Credit Union	Greenwich, CT	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Huntington C & O Railway Employees Federal Credit Union	Huntington, WV	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
I B E W 26 Federal Credit Union	Lanham, MD	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Iowa Heartland Federal Credit Union	Mason City, IA	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Kenowa Community Federal Credit Union	Wyoming, MI	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Leominster Employees Federal Credit Union	Leominster, MA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Manville Area Federal Credit Union	Manville, NJ	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Neighborhood Community Federal Credit Union	Omaha, NE	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pinpoint Federal Credit Union	Milton, PA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Postal Family Federal Credit Union	Fargo, ND	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sun Pacific Federal Credit Union	Richmond, CA	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tennessee Employees Federal Credit Union	Nashville, TN	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Texas Community Federal Credit Union	Kingsville, TX	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
United Energy Federal Credit Union	Humble, TX	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Walton County Teachers Federal Credit Union	Defuniak Springs, FL	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Gates Chili Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $4 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Gates Chili Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Gates Chili Federal Credi…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Gates Chili Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $5K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$1K−16.7%; from Q2 2025
vs start of range: −$2K−28.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Gates Chili Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$5K	$0	0.0%
Q1 2026	$5K	−$1K	−16.7%
Q4 2025	$6K	−$1K	−14.3%
Q3 2025	$7K	+$1K	+16.7%
Q2 2025	$6K	$0	0.0%
Q1 2025	$6K	−$1K	−14.3%
Q4 2024	$7K	$0	0.0%
Q3 2024	$7K	+$2K	+40.0%

Fee-income share against its size cohort

Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Gates Chili Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Gates Chili Federal Credit Union: 1.5%
Percentile: 9th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Gates Chili Federal Credit Union 1.5%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Gates Chili Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

Amounts from Gates Chili Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Inactivity/Dormant Fee – No activity for 24 months$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Hourly Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned mail/bad address fee$10
Above the U.S. middle 50% ($5 to $7.50 nationally)

Overdraft & NSF

Insufficient funds fee$25
Inside the U.S. middle 50% ($25 to $32 nationally)
per item
Returned check fee$25
Inside the U.S. middle 50% ($25 to $32 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Inactivity/Dormant Fee – No activity for 24 months	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Hourly Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned mail/bad address fee	$10Above the U.S. middle 50% ($5 to $7.50 nationally)	Not stated	None
Overdraft & NSF
Insufficient funds fee	$25Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Returned check fee	$25Inside the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
Wire Transfers
Domestic Wire Fee	$25Inside the U.S. middle 50% ($20 to $25 nationally)	per item	None
International Wire Fee	$50Inside the U.S. middle 50% ($40 to $50 nationally)	per item	None
Check Services
First check order for a new checking account (30 checks)	No chargeBelow the U.S. middle 50% ($0.20 to $18.69 nationally)	one time	None
Stop payment (Check or ACH)	$25Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Non-member check cashing fee	$10Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Cleared Check Copy	No chargeBelow the U.S. middle 50% ($2 to $5 nationally)	per item	None
Digital & Electronic
MessagePay ACH Fee	No chargeBelow the U.S. middle 50% ($5 to $15 nationally)	per item	None
Lending Fees
Loan Late fee	$25Inside the U.S. middle 50% ($15 to $25 nationally)	Not stated	None
Visa Credit Card Late fee	$25Inside the U.S. middle 50% ($15 to $25 nationally)	Not stated	None
Other Fees
Lien Release Replacement	$10Below the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None
Skip-A-Pay fee	$25Inside the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None

Showing 5 of 16 fees.

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Gates Chili Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

1 office in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Rochester, NY

Largest competitors nearby

Local market: Monroe county, NY, around its headquarters.

30 in its local market	Deposit share
Manufacturers and Traders Trust Company	22.5%
KeyBank National Association	16.2%
JPMorgan Chase Bank, National Association	15.5%
The Canandaigua National Bank and Trust Company	12.5%
Bank of America, National Association	8.3%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Gates Chili Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Gates Chili Federal Credit Union does not publish a monthly maintenance fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Gates Chili Federal Credit Union changes in our data

Gates Chili Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Gates Chili Federal Credit Union does not publish a monthly maintenance fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Gates Chili Federal Credit Union changes in our data