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Credit union call report ยท Rochester, NY

Gates Chili Federal Credit Union Call Report

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Gates Chili Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 242 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Gates Chili Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number16236
Federal Reserve RSSD ID953786

The official copy: search charter number 16236 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Gates Chili Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
Gates Chili Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $205K
1b. Cash Items in Process of Collection AS0005 -$114K
1c. Total Cash on Hand 730A $91K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.8M
2c. Cash on Deposit in Other Financial Institutions 730B2 $127K
2. Cash on Deposit (total) 730B $2.9M
3. Time Deposits in Banks and Credit Unions AS0007 $1.2M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $4.2M
9. Held-to-Maturity Debt Securities AS0073 $10.8M
11. TOTAL INVESTMENT SECURITIES AS0013 $10.8M
12b. Perpetual Contributed Capital 769B $36K
12c. All Other Investments AS0016 $1K
13. TOTAL OTHER INVESTMENTS AS0017 $37K
15a. Number of Total Loans and Leases 025A 1,775
15b. Total Loans and Leases 025B $13.9M
17. ACL on Loans and Leases AS0048 $79K
19. Land and Building 007 $977K
20. Other Fixed Assets 008 $107K
21. NCUA Share Insurance Capitalization Deposit 794 $268K
22d. Accrued Interest on Loans 009A $31K
22e. Accrued Interest on Investments 009B $58K
22f. All Other Assets 009C $59K
22g. Total Other Assets AS0036 $148K
23. TOTAL ASSETS 010 $30.4M
Accounts Payable and Other Liabilities 825 -$114K
Member Shares of All Types 013 $28.2M
Total Shares and Deposits 018 $28.2M
Undivided Earnings 940 $2.3M
Total Net Worth 997 $2.3M
Net Worth Ratio 998 7.68%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $30.4M
Statement of Income and Expense (23 items)
Gates Chili Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $388K
3. Income from Investments 120 $212K
5. TOTAL INTEREST INCOME 115 $600K
6. Dividends on Shares 380 $1K
8. Interest on Borrowed Money 340 $56
9. TOTAL INTEREST EXPENSE 350 $1K
10. NET INTEREST INCOME IS0010 $599K
12a. Credit Loss Expense - Loans and Leases IS0011 $18K
12e. Total Credit Loss Expense IS0017 $18K
13. Fee Income 131 $10K
14. Other Operating Income IS0020 $48K
23. TOTAL NON-INTEREST INCOME 117 $59K
24. Employee Compensation and Benefits 210 $280K
25. Travel and Conference 230 $1K
26. Office Occupancy 250 $43K
27. Office Operations 260 $158K
28. Educational and Promotional 270 $692
29. Loan Servicing 280 $66K
30. Professional and Outside Services 290 $4K
32. Operating Fees 320 $3K
33. Miscellaneous Operating Expense 360 $6K
34. TOTAL NON-INTEREST EXPENSE 671 $561K
35. NET INCOME 661A $78K
Statement pages - all other filed accounts (21 items)

delinquency (21%), credit cards (21%)

Gates Chili Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $39K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $32K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $3K
Loans Granted Year-to-Date 031A $102
Amount of Loans Granted Year-to-Date 031B $3.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $34K
Number of current members (not number of accounts) 083 2,013
Number of potential members 084 20,000
Interest Rate of Unsecured Credit Card Loans 521 899.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,099.00%
Interest Rate of New Vehicle Loans 523 499.00%
Interest Rate of Used Vehicle Loans 524 599.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $9K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $5K
Total Amount of All Other Shares 630 $187K
Amount of Regular Shares 657 $18.8M
Amount of Share Drafts 902 $7.5M
Share Certificates - < 1 Year 908A $233K
Total Amount of Share Certificates 908C $233K
Total Amount of Money Market Shares 911 $1.4M
Number of Used Vehicle Loans 968 314
NCUA form-section FS220A (18 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Gates Chili Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $28.2M
Total Shares and Deposits - < 1 Year 018A $28.2M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 3
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $5.6M
Amount of New Vehicle Loans 385 $2.8M
Amount of Unsecured Credit Card Loans 396 $1.0M
Amount of All Other Unsecured Loans/Lines of Credit 397 $415K
Share Certificates 451 $6
Number of Accounts for Share Drafts 452 1,005
Number of Accounts for Regular Shares 454 2,336
All other shares 455 $89
Money Market Shares 458 $35
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,471
Number of credit union employees who are Full-Time (26 hours or more) 564A 8
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $18K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,623.00%
Total credit lines 881 $1.8M
NCUA form-section FS220B (17 items)

maturity and repricing buckets (40%), credit cards (17%)

Gates Chili Federal Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.4M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.4M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $26.8M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $187K
Amount of Regular Shares - < 1 Year 657A $18.8M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $2K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $179
Fair value of Held to Maturity Securities 801 $10.6M
Amount of Share Drafts - < 1 Year 902A $7.5M
Money Market Shares - < 1 Year 911A $1.4M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $136K
Number of New Vehicle Loans 958 128
Total Shares 966 $3K
Number of Unsecured Credit Card Loans 993 1,013
Number of All Other Unsecured Loans/Lines of Credit 994 224
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 11
NCUA form-section FS220C (3 items)

charge-offs and recoveries (27%), participation loans (18%)

Gates Chili Federal Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $4
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Outstanding balance of brokered certificates of deposit and share certificates 788 $11.1M
NCUA form-section FS220D (22 items)

member services and products offered (69%), CUSO relationships (27%)

Gates Chili Federal Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
NCUA form-section FS220G (1 item)

loans and leases (32%), participation loans (18%)

Gates Chili Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $1.8M
NCUA form-section FS220H (1 item)

student loans (43%), delinquency (27%)

Gates Chili Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $4.7M
NCUA form-section FS220I (8 items)

vehicle lending (59%), delinquency (44%)

Gates Chili Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $34K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $32K
Number of Reportable Delinquent Used Vehicle Loans 035E2 2
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $32K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $7K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $104
Amount of Grants Awarded Year-to-Date 926 $6K
Amount of Grants Received Year-to-Date 927 $6K
NCUA form-section FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Gates Chili Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $13.9M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.5M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 650.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 650.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 783.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $213K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $2.4M
NCUA form-section FS220M (8 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Gates Chili Federal Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $885K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $3.5M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $369K
Total Unfunded Commitments for Non-Commercial Loans 816T $4.7M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $5K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 46
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 33
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 17
NCUA form-section FS220N (7 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Gates Chili Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $4.2M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $3.9M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $2.5M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $250K
Total Liabilities LI0069 $28.0M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $18K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $30.4M
NCUA form-section FS220P (7 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Gates Chili Federal Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $5K
All Other Unsecured Loans/Lines of Credit DL0022 $2K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $2K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $2K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $2K
Amount of Consumer Loans in Non-Accrual Status DL0145 $32K
NCUA form-section FS220Q (26 items)

investment portfolio detail (69%)

Gates Chili Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $3.2M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $3.1M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $3.2M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $3.1M
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $7.6M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $7.5M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $10.8M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $480K
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $240K
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $490K
Investment Maturity Distribution - Time Deposits - Total NV0116 $1.2M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $10.8M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $37K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $37K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $4.1M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $3.0M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $250K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $37K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $12.1M
RBC Total Equity RB0001 $2.3M
RBC Allowance for Credit Losses RB0002 $79K
RBC Total Additions RB0005 $79K
RBC Total Deductions RB0009 $268K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $2.1M
RBC Risk-Based Capital Numerator RB0012 $2.1M
NCUA form-section FS220R (39 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Gates Chili Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $10.9M
RBC Schedule Total Consumer Loans RB0060 $9.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $79K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $79K
RBC Schedule Total Loans RB0079 $13.8M
RBC Total for Risk Weighting Total Loans RB0081 -$79K
RBC Total Loans 0% Weight RB0082 -$79K
RBC Schedule Total Other Assets RB0088 $1.5M
RBC Total for Risk Weighting Other Assets RB0090 $268K
RBC Other Assets 0% Weight RB0091 $268K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $30.4M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $189K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $189K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $30.4M
RBC Allowance for Credit Losses (Loans) RB0177 $79K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 20.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 1,600,195.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 10.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 317,750.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 16.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 494,172.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 151,496.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $2.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $151K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 9,631.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 4.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 223,216.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 28.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 1,230,904.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 366,747.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $367K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $79
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $3.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $518K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.7M
Total Shares SH0013 $28.2M
Total Shares and Deposits SH0018 $28.2M
NCUA form-section FS220S (2 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Gates Chili Federal Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Mortgage Lending PP0039 $1

Gates Chili Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Gates Chili Federal Credit Union call report?

The Gates Chili Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Gates Chili Federal Credit Union file?

Gates Chili Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Gates Chili Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Gates Chili Federal Credit Union is 16236.

How often does Gates Chili Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Gates Chili Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.