Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
EIN 62-0156027 • 501(c)14 • Chattanooga, TN
Profile
Credit union - to provide services for approximately 2,812 members in the form of loans, savings, and other financial services.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
Liabilities / Revenue
42nd percentile
Higher debt load relative to revenue than 42% of similar nonprofits.
Net Margin
57th percentile
Higher net margin than 57% of similar nonprofits.
Top Officer Pay
88th percentile
Higher top officer pay than 88% of similar nonprofits.
Top officer pay equals 6.2% of source-year revenue.
Asset Growth
63rd percentile
Faster asset growth than 63% of similar nonprofits.
Revenue Growth
45th percentile
Faster revenue growth than 45% of similar nonprofits.
Assets
Up$71,242,332
Up $5,526,004 (+8.4%) from 2023
Liabilities
Up$59,179,756
Up $5,017,269 (+9.3%) from 2023
Net Assets
Up$12,062,576
Up $508,735 (+4.4%) from 2023
Revenue
Up$3,714,111
Up $693,273 (+23%) from 2023
Expenses
Up$3,205,376
Up $733,013 (+30%) from 2023
Net Income
Down$508,735
Down $39,740 (-7.2%) from 2023
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
Credit union - to provide services for approximately 2,836 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 | $39,673,766 | $40,038,975 | ▲ $365,209 |
| Savings and Temporary Cash Investments | $18,235,000 | $17,737,000 | ▼ $498,000 |
| Rtn Earn Endowment Incm Other Fnds | $8,979,897 | $9,488,632 | ▲ $508,735 |
| Cash and Non-Interest-Bearing Accounts | $4,069,830 | $7,947,321 | ▲ $3,877,491 |
| Cap Stk Tr Prin Current Funds | $2,573,944 | $2,573,944 | → $0 |
| Prepaid Expenses and Deferred Charges | $2,285,075 | $2,349,550 | ▲ $64,475 |
| Land, Buildings, and Equipment, Net | $499,607 | $2,161,795 | ▲ $1,662,188 |
| Investments Other Securities | $256,209 | $256,209 | → $0 |
| Total Assets | $65,716,328 | $71,242,332 | ▲ $5,526,004 |
| Other Assets Total | $696,841 | $751,482 | ▲ $54,641 |
| Liabilities | |||
| Other Liabilities | $54,110,635 | $59,101,782 | ▲ $4,991,147 |
| Accounts Payable and Accrued Expenses | $51,852 | $77,974 | ▲ $26,122 |
| Total Liabilities | $54,162,487 | $59,179,756 | ▲ $5,017,269 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $11,553,841 | $12,062,576 | ▲ $508,735 |
| Total Liabilities and Net Assets / Fund Balance | $65,716,328 | $71,242,332 | ▲ $5,526,004 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,840,635 | $642,689 | $2,483,324 |
| Equipment | $146,764 | $158,754 | $305,518 |
| Land | $174,396 | - | $174,396 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Mark Fraker | CEO | FT | $138,000 | $100,544 | $238,544 |
| Name | Title |
|---|---|
| Jack Boran | Board Chair |
| Bill Swafford | Board Member |
| Brooke Weaver | Board Member |
| Laura Sharp | Board Member |
| William K Combs | Board Member |
| Neal Dekich | Board Secret |
| Judy Mahaffey | Board Vice C |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,477,667 |
| Salaries, Compensation, and Employee Benefits | $727,709 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Interest | - | $1,510,488 | - | $1,510,488 |
| Other Salaries and Wages | - | $503,473 | - | $503,473 |
| Other Employee Benefits | - | $123,859 | - | $123,859 |
| Office Expenses | - | $121,599 | - | $121,599 |
| Occupancy | - | $92,609 | - | $92,609 |
| Conferences and Meetings | - | $73,388 | - | $73,388 |
| Pension Plan Contributions | - | $61,965 | - | $61,965 |
| Other Expenses | - | $61,244 | - | $61,244 |
| Payroll Taxes | - | $38,412 | - | $38,412 |
| All Other Expenses | - | $33,839 | - | $33,839 |
| Total Functional Expenses | $0 | $3,205,376 | $0 | $3,205,376 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| All Other Shares | $47,710,855 |
| Regular Shares | $6,672,569 |
| Share Drafts | $4,718,358 |
“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.”
“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”
“Annual agreed upon procedures are performed by an independent auditor.”
“Hours of service are related to duties of the board of directors without compensation.”
“The credit union had no unrelated business income.”
“Due to rounding 0 due to rounding 0”
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 | 51852 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 77974 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 39673766 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 40038975 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS. |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 33839 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 33839 |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | MARK FRAKER |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4238923738 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | P O BOX 22205 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | CHATTANOOGA |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | TN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 37422 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 2573944 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 2573944 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 4069830 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 7947321 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | false |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 73388 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 73388 |
| IRS990/ConflictOfInterestPolicyInd | 0 | false |
| 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 | 875115 |
| IRS990/CYOtherExpensesAmt | 0 | 2477667 |
| IRS990/CYOtherRevenueAmt | 0 | 203569 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2635427 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 508735 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 727709 |
| IRS990/CYTotalExpensesAmt | 0 | 3205376 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3714111 |
| 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/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 11 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 1694888 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| 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/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/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 81718 |
| 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/PersonNm | 0 | MARK FRAKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JACK BORAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JUDY MAHAFFEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | NEAL DEKICH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | WILLIAM K COMBS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | LAURA SHARP |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | BILL SWAFFORD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | BROOKE WEAVER |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 156826 |
| 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/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/TitleTxt | 0 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD VICE C |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD SECRET |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD MEMBER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1925 |
| 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 | 3714111 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartVInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InterestGrp/ManagementAndGeneralAmt | 0 | 1510488 |
| IRS990/InterestGrp/TotalAmt | 0 | 1510488 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 875115 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 875115 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 256209 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 256209 |
| IRS990/IRPDocumentCnt | 0 | 1842 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 801443 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 499607 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2161795 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2963238 |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| 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 2,853 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 11553841 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 12062576 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 92609 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 92609 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 121599 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 121599 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 696841 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 751482 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 123859 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 123859 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROF & OUTSIDE SERVICES |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING EXP |
| IRS990/OtherExpensesGrp/Desc | 3 | EDUCATIONAL & PROMO EXP |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 346943 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 134500 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 103057 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 61244 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 346943 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 134500 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 103057 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 61244 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 54110635 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 59101782 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER NON-INTEREST INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | OTHER INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 145141 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 58428 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 145141 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 58428 |
| IRS990/OtherRevenueTotalAmt | 0 | 203569 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 503473 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 503473 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 38412 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 38412 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 61965 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 61965 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 2285075 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 2349550 |
| IRS990/PrincipalOfficerNm | 0 | MARK FRAKER |
| 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 | 2533446 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 101981 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2533446 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 101981 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 1510488 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 599132 |
| IRS990/PYOtherExpensesAmt | 0 | 1801080 |
| IRS990/PYOtherRevenueAmt | 0 | 203867 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2217839 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 548475 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 671283 |
| IRS990/PYTotalExpensesAmt | 0 | 2472363 |
| IRS990/PYTotalRevenueAmt | 0 | 3020838 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 508735 |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 8979897 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 9488632 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 18235000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 17737000 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1840635 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 642689 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2483324 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 146764 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 158754 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 305518 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 174396 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 174396 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 47710855 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 6672569 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 4718358 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | ALL OTHER SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE DRAFTS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2161795 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 59101782 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 138000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 18826 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 81718 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | MARK FRAKER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 238544 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS WITHOUT COMPENSATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION HAD NO 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 | FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | DUE TO ROUNDING 0 DUE TO ROUNDING 0 |
| 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 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VII |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XI, LINE 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | TN |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 65716328 |
| IRS990/TotalAssetsEOYAmt | 0 | 71242332 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 65716328 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 71242332 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 11 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 3205376 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 3205376 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 54162487 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 59179756 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 54162487 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 59179756 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 11553841 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 12062576 |
| IRS990/TotalOtherCompensationAmt | 0 | 81718 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 3205376 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2635427 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 156826 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3714111 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 3714111 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 65716328 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 71242332 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | P O BOX 22205 |
| IRS990/USAddress/CityNm | 0 | CHATTANOOGA |
| IRS990/USAddress/StateAbbreviationCd | 0 | TN |
| IRS990/USAddress/ZIPCd | 0 | 37422 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.CFECU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | MARK FRAKER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4238923738 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-05-14 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | CHATTANOOGA FEDERAL EMPLOYEES |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | CHAT |
| ReturnHeader/Filer/EIN | 0 | 620156027 |
| ReturnHeader/Filer/PhoneNum | 0 | 4238923738 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | P O BOX 22205 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CHATTANOOGA |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | TN |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 374222205 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | false |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 202711127 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | CU AUDIT & COMPLIANCE GROUP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 3692 COOLIDGE CT |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | TALLAHASSEE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | FL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 323117890 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2054372176 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-05-15 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | AMANDA ONKST |
| ReturnHeader/ReturnTs | 0 | 2025-05-15T11:09:54-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
No mirrored PDF or thumbnail assets are attached yet.