Gateway Federal Credit Union

Headquarters: Clarksville, Tennessee
Charter: Credit Union
Assets: $16.3M
Fed district: Atlanta
Regulator: NCUA

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 20, 2026.

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 20, 2026

How these figures are measured

Call-report figures are for Gateway 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Gateway Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 20, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Gateway 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 $46K in Q2 2026, 2.1% below the same quarter a year earlier ($47K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Gateway Federal Credit Union: $35
Gateway Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Gateway Federal Credit Union: $35
Gateway Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices
Gateway Federal Credit Union: $1 to $2
Gateway Federal Credit Union: $1 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta 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).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 2.1% from Q3 2025 to Q2 2026, to $46K.

Fee income, Q2 2026

$46K

$47KQ3 2025

$48KQ4 2025

$44KQ1 2026

$46KQ2 2026

Against the median

Gateway 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.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Gateway Federal Credit Union · $16M 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 18 states.

Credit unions only
$16M to $17M in assets
Headquartered in 18 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
Gateway Federal Credit Union(this institution)	Clarksville, TN	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Alcose Federal Credit Union	White Oak, PA	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Anmed Federal Credit Union	Anderson, SC	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Berkeley Community Federal Credit Union	Moncks Corner, SC	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Capital Area Realtors Federal Credit Union	Rockville, MD	$16M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Clifty Creek Employees Federal Credit Union	Madison, IN	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cm Members Federal Credit Union	Columbus, MS	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Gallup Federal Credit Union	Omaha, NE	$16M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Greensboro Federal Credit Union	Greensboro, NC	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hema Federal Credit Union	Silver Spring, MD	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jefferson County Teachers Federal Credit Union	Monticello, FL	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lakewood Federal Credit Union	Rib Lake, WI	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Lithium Federal Credit Union	Bessemer City, NC	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Long Island Alliance Federal Credit Union	Hauppauge, NY	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Member Preferred Federal Credit Union	Fort Worth, TX	$16M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwestern Federal Credit Union	Bryan, OH	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
One South Federal Credit Union	Natchez, MS	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ottawa Hiway Federal Credit Union	Ottawa, IL	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Palace City Federal Credit Union	Mitchell, SD	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Skyline Federal Credit Union	Nashville, TN	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southernmost Federal Credit Union	Key West, FL	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Spokane Media Federal Credit Union	Spokane, WA	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Tcp Federal Credit Union	Rural Hall, NC	$16M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Varex Federal Credit Union	Salt Lake City, UT	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
White County Federal Credit Union	Searcy, AR	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Wisconsin Medical Federal Credit Union	Green Bay, WI	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(domestic wire)

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

Fee type

Peer pricing snapshot

Domestic wire is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $20, against a peer median of $20 among 11 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 30, 2026.

Domestic wire fee in dollars, one mark per institution

Gateway Federal Credit Un…Peer (equal prices stack)Peer median

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 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 Gateway 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: $46K
vs prior quarter: +$2K+4.5%; from Q1 2026
vs a year earlier: −$1K−2.1%; from Q2 2025
vs start of range: +$17K+58.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Gateway 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	$46K	+$2K	+4.5%
Q1 2026	$44K	−$4K	−8.3%
Q4 2025	$48K	+$1K	+2.1%
Q3 2025	$47K	$0	0.0%
Q2 2025	$47K	$0	0.0%
Q1 2025	$47K	+$17K	+56.7%
Q4 2024	$30K	+$1K	+3.4%
Q3 2024	$29K	+$26K	+866.7%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Close account within 90 days$10
Inactive member charge per year (balance below $25.00)$5
Not compared: Annual charge, not monthly
per year
Account activity print-out (phone, fax, or in person)$2
Fax/Email service$2
Paper Statement fee$3
Not compared: Quarterly charge, not monthly
per quarter
Excessive withdrawal (more than 3 per quarter)$10
Not compared: Quarterly charge, not per item
per quarter
Excessive withdrawal (more than 3 per quarter)$2
Not compared: Quarterly charge, not per item
per quarter
Incorrect Address/Return Mail$10

Overdraft & NSF

Member Privilege per item (Courtesy Pay)$35
per item
Insufficient funds per item (NSF)$35
per item
Overdraft Transfer to Checking$5

ATM & Card

ATM Balance Inquiry$2
Card use outside CO-OP Network at a Foreign ATM$1
Card within CO-OP Network at a Foreign ATM$1
Card Replacement$10
Replacement of lost/stolen/damaged card$12

Wire Transfers

Wire Transfer (outgoing)$20
Wire Transfer (incoming)$20

Check Services

Cashier’s Checks/Corporate Drafts (not payable to account owner)$5
Money Orders$3
Money Orders (Members age 55+)No charge
Money Orders (Non-Members)$8
Stop payment draft (check) or ACH$20
Non-member check cashing$10
Non-member check cashing1%
Copy of original draft (check)$3

Digital & Electronic

Inactive Bill Pay Fee (3 months of inactivity)$5

Cash & Deposit

Over the Phone Cash Advance (loan payments)$3
Deposited Item Return$30

Account Services

Notary ServiceNo charge
Notary Service (Non-Members)$10

Lending Fees

Late fee (after 10 days)$25

Gift & Prepaid Cards

Visa Gift Card$4

Other Fees

Duplicate account statements$5
Statement Copy$10
Loan Application Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Close account within 90 days	$10	Not stated	None
Inactive member charge per year (balance below $25.00)	$5Not compared: Annual charge, not monthly	per year	None
Account activity print-out (phone, fax, or in person)	$2	Not stated	None
Fax/Email service	$2	Not stated	None
Paper Statement fee	$3Not compared: Quarterly charge, not monthly	per quarter	None
Excessive withdrawal (more than 3 per quarter)	$10Not compared: Quarterly charge, not per item	per quarter	None
Excessive withdrawal (more than 3 per quarter)	$2Not compared: Quarterly charge, not per item	per quarter	None
Incorrect Address/Return Mail	$10	Not stated	None
Overdraft & NSF
Member Privilege per item (Courtesy Pay)	$35	per item	None
Insufficient funds per item (NSF)	$35	per item	None
Overdraft Transfer to Checking	$5	Not stated	None
ATM & Card
ATM Balance Inquiry	$2	Not stated	None
Card use outside CO-OP Network at a Foreign ATM	$1	Not stated	None
Card within CO-OP Network at a Foreign ATM	$1	Not stated	None
Card Replacement	$10	Not stated	None
Replacement of lost/stolen/damaged card	$12	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$20	Not stated	None
Wire Transfer (incoming)	$20	Not stated	None
Check Services
Cashier’s Checks/Corporate Drafts (not payable to account owner)	$5	Not stated	None
Money Orders	$3	Not stated	None
Money Orders (Members age 55+)	No charge	Not stated	None
Money Orders (Non-Members)	$8	Not stated	None
Stop payment draft (check) or ACH	$20	Not stated	None
Non-member check cashing	$10	Not stated	None
Non-member check cashing	1%	Not stated	None
Copy of original draft (check)	$3	Not stated	None
Digital & Electronic
Inactive Bill Pay Fee (3 months of inactivity)	$5	Not stated	None
Cash & Deposit
Over the Phone Cash Advance (loan payments)	$3	Not stated	None
Deposited Item Return	$30	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Notary Service (Non-Members)	$10	Not stated	None
Lending Fees
Late fee (after 10 days)	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$4	Not stated	None
Other Fees
Duplicate account statements	$5	Not stated	None
Statement Copy	$10	Not stated	None
Loan Application Fee	$30	Not stated	None

Correct a fee source

Oct 20, 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.

Fee change alerts

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