Liabilities / Assets
22nd percentile
Higher debt load relative to assets than 22% of similar nonprofits.
990 • Fiscal year 2017 • EIN 23-7152587
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
22nd percentile
Higher debt load relative to assets than 22% of similar nonprofits.
Liabilities / Revenue
30th percentile
Higher debt load relative to revenue than 30% of similar nonprofits.
Net Margin
26th percentile
Higher net margin than 26% of similar nonprofits.
Top Officer Pay
49th percentile
Higher top officer pay than 49% of similar nonprofits.
Top officer pay equals 14.9% of source-year revenue.
Asset Growth
29th percentile
Faster asset growth than 29% of similar nonprofits.
Revenue Growth
11th percentile
Faster revenue growth than 11% of similar nonprofits.
Assets
Down$10,072,967
Down $110,833 (-1.1%) from 2016
Net Assets
Up$1,992,282
Up $12,230 (+0.6%) from 2016
Liabilities
Down$8,080,685
Down $123,063 (-1.5%) from 2016
Revenue
Down$495,020
Down $20,959 (-4.1%) from 2016
Expenses
Up$487,212
Up $6,478 (+1.3%) from 2016
Net Income
Down$7,808
Down $27,437 (-78%) from 2016
Credit union - to provide services for approximately 1,736 members in the form of loans, savings, and other financial services.
Credit union - to provide financial services for its members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $3,593,756 | $3,348,962 | ▼ $244,794 |
| Investments Other Securities | $1,803,578 | $2,547,578 | ▲ $744,000 |
| Savings and Temporary Cash Investments | $2,184,000 | $1,984,000 | ▼ $200,000 |
| Cash and Non-Interest-Bearing Accounts | $2,336,912 | $1,919,212 | ▼ $417,700 |
| Rtn Earn Endowment Incm Other Fnds | $1,762,153 | $1,774,384 | ▲ $12,231 |
| Cap Stk Tr Prin Current Funds | $217,899 | $217,898 | ▼ $1 |
| Prepaid Expenses and Deferred Charges | $178,496 | $184,319 | ▲ $5,823 |
| Total Assets | $10,183,800 | $10,072,967 | ▼ $110,833 |
| Other Assets Total | $87,058 | $88,896 | ▲ $1,838 |
| Liabilities | |||
| Other Liabilities | $8,141,029 | $8,002,147 | ▼ $138,882 |
| Accounts Payable and Accrued Expenses | $62,719 | $78,538 | ▲ $15,819 |
| Total Liabilities | $8,203,748 | $8,080,685 | ▼ $123,063 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,980,052 | $1,992,282 | ▲ $12,230 |
| Total Liabilities and Net Assets / Fund Balance | $10,183,800 | $10,072,967 | ▼ $110,833 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Securities | $67,578 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Channon Hamilton | Manager | FT | $73,589 | $73,589 |
| Name | Title |
|---|---|
| James Rochat | President |
| Daniel Lau | Board Member |
| Jeff Wakefield | Board Member |
| Tammy Stone | Board Member |
| Randy Mitchell | Credit COM C |
| Leslie Gayler | Credit COM M |
| Scott Gay | Secretary |
| Dennis Cunningham | Supervisory |
| Edith Johnson | Supervisory |
| Kim Blevins | Supervisory |
| Melissa Cavazos | Supervisory |
| Melissa Ingram | Supervisory |
| Janice Toth | Treasurer |
| Marvin Fabry | Vice Preside |
| Line Item | Amount |
|---|---|
| Other Expenses | $303,145 |
| Salaries, Compensation, and Employee Benefits | $184,067 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | $184,067 | - | $184,067 |
| Office Expenses | - | $77,847 | - | $77,847 |
| Interest | - | $9,387 | - | $9,387 |
| Other Expenses | - | $8,800 | - | $8,800 |
| All Other Expenses | - | $5,995 | - | $5,995 |
| Conferences and Meetings | - | $479 | - | $479 |
| Total Functional Expenses | $0 | $487,212 | $0 | $487,212 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Regular Shares | $6,961,723 |
| Share Drafts | $570,689 |
| All Other Shares | $469,735 |
“The credit union is owned by the members.”
“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.”
“Some decisions made by the board of directors are affirmed by the members.”
“The manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”
“The board of directors monitor and enforce the conflict of interest policy.”
“The board of directors uses a comparison of credit union compensation.”
“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”
“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”
“The credit union does not have any unrelated business income.”
“OTHER ADJUSTMENTS 4,422”
“Annual agreed upon procedures are performed by an independent auditor.”
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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 62719 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 78538 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 3593756 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 3348962 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS. |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 5995 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 5995 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | CHANNON HAMILTON |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4235355736 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 4312 DELASHMITT ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | HIXSON |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | TN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 37343 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 217899 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 217898 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2336912 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1919212 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 479 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 479 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 70644 |
| IRS990/CYOtherExpensesAmt | 0 | 303145 |
| IRS990/CYOtherRevenueAmt | 0 | 82919 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 341457 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 7808 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 184067 |
| IRS990/CYTotalExpensesAmt | 0 | 487212 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 495020 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 5 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 477825 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 11 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 12 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 13 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 14 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | CHANNON HAMILTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JAMES ROCHAT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | MARVIN FABRY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | SCOTT GAY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JANICE TOTH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | TAMMY STONE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DANIEL LAU |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JEFF WAKEFIELD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | MELISSA INGRAM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | EDITH JOHNSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | DENNIS CUNNINGHAM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | KIM BLEVINS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | MELISSA CAVAZOS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | RANDY MITCHELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | LESLIE GAYLER |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 73589 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | MANAGER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE PRESIDE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | SUPERVISORY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | CREDIT COM C |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | CREDIT COM M |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1991 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 495020 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartVInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InterestGrp/ManagementAndGeneralAmt | 0 | 9387 |
| IRS990/InterestGrp/TotalAmt | 0 | 9387 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 70644 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 70644 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 1803578 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 2547578 |
| IRS990/IRPDocumentCnt | 0 | 175 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | TN |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 2,669 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1980052 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1992282 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 77847 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 77847 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 87058 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 88896 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 4422 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROF & OUTSIDE SERVICES |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | MISC OPERATING EXP |
| IRS990/OtherExpensesGrp/Desc | 3 | EXAMINATION FEE |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 137554 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 34000 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 29083 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 8800 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 137554 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 34000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 29083 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 8800 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 8141029 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 8002147 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER NON-OPERATING INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 82919 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 82919 |
| IRS990/OtherRevenueTotalAmt | 0 | 82919 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 184067 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 184067 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 178496 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 184319 |
| IRS990/PrincipalOfficerNm | 0 | CHANNON HAMILTON |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 233176 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 108281 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 233176 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 108281 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION PORVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 9387 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 47428 |
| IRS990/PYOtherExpensesAmt | 0 | 290615 |
| IRS990/PYOtherRevenueAmt | 0 | 94383 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 374168 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 35245 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 190119 |
| IRS990/PYTotalExpensesAmt | 0 | 480734 |
| IRS990/PYTotalRevenueAmt | 0 | 515979 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 7808 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | false |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1762153 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1774384 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2184000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1984000 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 6961723 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 570689 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 469735 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | ALL OTHER SHARES |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 2480000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 67578 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | ALL OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | MEMBERSHIP CAPITAL -VCCU |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 2547578 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 8002147 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION DOES NOT HAVE ANY UNRELATED BUSINESS INCOME. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION IS OWNED BY THE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE BOARD OF DIRECTORS USES A COMPARISON OF CREDIT UNION COMPENSATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | OTHER ADJUSTMENTS 4,422 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 1, PART I, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 5, PART V, LINE 3B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART XI, LINE 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | FORM 990, PART XII |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | TN |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 10183800 |
| IRS990/TotalAssetsEOYAmt | 0 | 10072967 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 10183800 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 10072967 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 5 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 487212 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 487212 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 8203748 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 8080685 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 8203748 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 8080685 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1980052 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1992282 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 487212 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 341457 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 73589 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 495020 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 495020 |
| IRS990/TotalVolunteersCnt | 0 | 14 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 10183800 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 10072967 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 4312 DELASHMITT ROAD |
| IRS990/USAddress/CityNm | 0 | HIXSON |
| IRS990/USAddress/StateAbbreviationCd | 0 | TN |
| IRS990/USAddress/ZIPCd | 0 | 37343 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.BCBSTECU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2018-06-14 16:35:46Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | CHANNON HAMILTON |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | MANAGER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4235355736 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2018-05-07 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | BCBST EMPLOYEES CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | BCBS |
| ReturnHeader/Filer/EIN | 0 | 237152587 |
| ReturnHeader/Filer/PhoneNum | 0 | 4235355736 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1 CAMERON HILL CIRCLE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CHATTANOOGA |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | TN |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 37402 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 6225844A9469B874AA6651EF4D5340F9A9EB90C8 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 7647DFCA2A6E3834CC375D817C9B2B27B515C483 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 74.205.135.252 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2018-05-09 |
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Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.