Civic Intelligence

Cnic Employees Credit Union

990 • Fiscal year 2013 • EIN 62-0246190

Jan 01, 2013 to Dec 31, 2013 • Filed on May 12, 2014

2005 Nonconnah Blvd 738132-2129

(901) 332-2685

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

32nd percentile

0.82x

Higher debt load relative to assets than 32% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

55th percentile

20.29x

Higher debt load relative to revenue than 55% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

27th percentile

-5.8%

Higher net margin than 27% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

55th percentile

$53,646

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 16.4% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

45th percentile

-0.1%

Faster asset growth than 45% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

23rd percentile

-7.7%

Faster revenue growth than 23% of similar nonprofits.

2013 filings • $5M-$10M nonprofits • Annualized from 2012 to 2013

Assets

Down

$8,119,109

Down $6,437 (-0.1%) from 2012

Net Assets

Down

$1,480,551

Down $18,815 (-1.3%) from 2012

Liabilities

Up

$6,638,558

Up $12,378 (+0.2%) from 2012

Revenue

Down

$327,194

Down $27,358 (-7.7%) from 2012

Expenses

Down

$346,009

Down $43,482 (-11%) from 2012

Net Income

Up

-$18,815

Up $16,124 (+46%) from 2012

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$10M$5.0M$0Assets 2010: $8,328,614Liabilities 2010: $6,825,945Net Assets 2010: $1,502,6692010Assets 2011: $8,575,457Liabilities 2011: $7,041,151Net Assets 2011: $1,534,3062011Assets 2012: $8,125,546Liabilities 2012: $6,626,180Net Assets 2012: $1,499,3662012Assets 2013: $8,119,109Liabilities 2013: $6,638,558Net Assets 2013: $1,480,5512013Assets 2014: $7,817,959Liabilities 2014: $6,328,560Net Assets 2014: $1,489,3992014Assets 2015: $7,832,102Liabilities 2015: $6,307,567Net Assets 2015: $1,524,5352015Assets 2016: $7,646,967Liabilities 2016: $6,180,611Net Assets 2016: $1,466,3562016Assets 2017: $8,011,935Liabilities 2017: $6,487,394Net Assets 2017: $1,524,5412017Assets 2018: $7,913,419Liabilities 2018: $6,317,888Net Assets 2018: $1,595,5312018Assets 2019: $7,922,117Liabilities 2019: $6,360,194Net Assets 2019: $1,561,9232019Assets 2020: $8,491,180Liabilities 2020: $7,012,744Net Assets 2020: $1,478,4362020Assets 2021: $8,656,526Liabilities 2021: $7,133,549Net Assets 2021: $1,522,9772021Assets 2022: $9,553,541Liabilities 2022: $7,970,718Net Assets 2022: $1,582,8232022Assets 2023: $9,703,870Liabilities 2023: $8,164,085Net Assets 2023: $1,539,7852023Assets 2024: $9,900,422Liabilities 2024: $8,385,548Net Assets 2024: $1,514,8742024

Highlighted filing

2013

Assets$8,119,109
Liabilities$6,638,558
Net Assets$1,480,551

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $427,2092010Revenue 2011: $409,076Expenses 2011: $377,438Net Income 2011: $31,6382011Revenue 2012: $354,552Expenses 2012: $389,491Net Income 2012: -$34,9392012Revenue 2013: $327,194Expenses 2013: $346,009Net Income 2013: -$18,8152013Revenue 2014: $338,766Expenses 2014: $329,918Net Income 2014: $8,8482014Revenue 2015: $398,508Expenses 2015: $362,378Net Income 2015: $36,1302015Revenue 2016: $395,136Expenses 2016: $453,316Net Income 2016: -$58,1802016Revenue 2017: $437,360Expenses 2017: $379,175Net Income 2017: $58,1852017Revenue 2018: $540,790Expenses 2018: $469,801Net Income 2018: $70,9892018Revenue 2019: $554,270Expenses 2019: $587,878Net Income 2019: -$33,6082019Revenue 2020: $541,436Expenses 2020: $624,923Net Income 2020: -$83,4872020Revenue 2021: $568,571Expenses 2021: $524,033Net Income 2021: $44,5382021Revenue 2022: $591,435Expenses 2022: $531,589Net Income 2022: $59,8462022Revenue 2023: $716,605Expenses 2023: $695,753Net Income 2023: $20,8522023Revenue 2024: $815,652Expenses 2024: $840,563Net Income 2024: -$24,9112024

Highlighted filing

2013

Revenue$327,194
Expenses$346,009
Net Income-$18,815
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 12, 2014
Return Version
2013v3.1
Gross Receipts
$327,194
Mission and Program Overview

Mission

Credit union-to provide services for approximately 1,243 members in the form of loans, savings, and other financial services.

Credit union-to provide services for approximately 1,663 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,396,000$2,739,039▲ $1,343,039
Accounts Receivable$2,514,470$2,543,993▲ $29,523
Investments Other Securities$3,316,965$2,126,337▼ $1,190,628
Rtn Earn Endowment Incm Other Fnds$1,311,003$1,292,188▼ $18,815
Cash and Non-Interest-Bearing Accounts$809,967$613,139▼ $196,828
Cap Stk Tr Prin Current Funds$188,363$188,363→ $0
Land, Buildings, and Equipment, Net$3,052$14,266▲ $11,214
Prepaid Expenses and Deferred Charges$7,466$5,965▼ $1,501
Total Assets$8,125,546$8,119,109▼ $6,437
Other Assets Total$77,626$76,370▼ $1,256
Liabilities
Other Liabilities$6,617,544$6,657,326▲ $39,782
Accounts Payable and Accrued Expenses$8,636$-18,768▼ $27,404
Total Liabilities$6,626,180$6,638,558▲ $12,378
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,499,366$1,480,551▼ $18,815
Total Liabilities and Net Assets / Fund Balance$8,125,546$8,119,109▼ $6,437

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$14,266$76,533$90,799
Other Securities$60,926--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra L GriffisManagerFT$46,884$6,762$53,646
Melissa K ThomasAsst ManagerFT$31,441$5,237$36,678

Board Members and Trustees

NameTitle
O H Kitchens JrBoard Presid
Buford C ShieldsBoard Vice P
Larry D EasonInvestment C
William SavageSecretary/tr
Jimmy H Hough JrSup&invest C
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$271,257
Investment Income
$50,903
Other Revenue
$5,034
Change in Net Assets
$-18,815
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$211,014
Salaries, Compensation, and Employee Benefits$134,995
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$112,218-$112,218
Office Expenses-$64,669-$64,669
Occupancy-$21,896-$21,896
Interest-$19,211-$19,211
All Other Expenses-$14,168-$14,168
Other Employee Benefits-$13,224-$13,224
Other Expenses-$10,291-$10,291
Payroll Taxes-$9,553-$9,553
Conferences and Meetings-$1,857-$1,857
Total Functional Expenses$0$346,009$0$346,009
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$400
Total Exempt Function Spending$400

Section 527 Organizations

OrganizationLocationAmount
46-2728395-$400
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$4,096,376
All Other Shares$2,053,981
Share Drafts$506,969
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

Buford shields savage vp board sec/treas father-in-law

Form 990, Page 6, Part VI, Line 6

The credit union is owned by the members.

Form 990, Page 6, Part VI, Line 7A

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.

Form 990, Page 6, Part VI, Line 7B

Some decisions made by the board of directors are affirmed by the members.

Form 990, Page 6, Part VI, Line 11B

The form 990 is available for review by the board of directors upon request.

Form 990, Page 6, Part VI, Line 12C

The board of directors monitor and enforce the conflict of interest policy.

Form 990, Page 6, Part VI, Line 15A

Board reviewed manager and provided compensation change in writing.

Form 990, Page 6, Part VI, Line 19

Financial documents are posted in the credit union lobby by the 15th of the subsequent month.

Filing and Contact Details

Filer

EIN
62-0246190
Phone
9013322685

Signing Officer

Name
Sandra Griffis
Title
Manager
Phone
9013322685
Signed
2014-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandra Griffis
Formed
1928
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
5

Preparer

Preparer
Keith Mcmurtrie
Phone
8505581102
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

Hours of service are related to duties of the board of directors without compensation.

Form 990, Page 5, Part V, Line 3B

The credit union does not have any unrelated trade or business income.

Form 990, Part XII

Annual agreed upon procedures are performed by an independent auditor.

Raw XML Appendix370 raw XML fields

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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt08636
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0-18768
IRS990/AccountsReceivableGrp/BOYAmt02514470
IRS990/AccountsReceivableGrp/EOYAmt02543993
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION-TO PROVIDE SERVICES FOR APPROXIMATELY 1,663 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt014168
IRS990/AllOtherExpensesGrp/TotalAmt014168
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BooksInCareOfDetail/PersonNm0SANDRA GRIFFIS
IRS990/BooksInCareOfDetail/PhoneNum09013322685
IRS990/BooksInCareOfDetail/USAddress/AddressLine102005 NONCONNAH BLVD 7
IRS990/BooksInCareOfDetail/USAddress/City0MEMPHIS
IRS990/BooksInCareOfDetail/USAddress/State0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCode038132
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0188363
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0188363
IRS990/CashNonInterestBearingGrp/BOYAmt0809967
IRS990/CashNonInterestBearingGrp/EOYAmt0613139
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt01857
IRS990/ConferencesMeetingsGrp/TotalAmt01857
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt050903
IRS990/CYOtherExpensesAmt0211014
IRS990/CYOtherRevenueAmt05034
IRS990/CYProgramServiceRevenueAmt0271257
IRS990/CYRevenuesLessExpensesAmt0-18815
IRS990/CYSalariesCompEmpBnftPaidAmt0134995
IRS990/CYTotalExpensesAmt0346009
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0327194
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd0false
IRS990/ExpenseAmt0326798
IRS990/FamilyOrBusinessRlnInd0true
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt56762
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt65237
IRS990/Form990PartVIISectionAGrp/PersonNm0LARRY D EASON
IRS990/Form990PartVIISectionAGrp/PersonNm1O H KITCHENS JR
IRS990/Form990PartVIISectionAGrp/PersonNm2JIMMY H HOUGH JR
IRS990/Form990PartVIISectionAGrp/PersonNm3WILLIAM SAVAGE
IRS990/Form990PartVIISectionAGrp/PersonNm4BUFORD C SHIELDS
IRS990/Form990PartVIISectionAGrp/PersonNm5SANDRA L GRIFFIS
IRS990/Form990PartVIISectionAGrp/PersonNm6MELISSA K THOMAS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt546884
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt631441
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0INVESTMENT C
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD PRESID
IRS990/Form990PartVIISectionAGrp/TitleTxt2SUP&INVEST C
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD VICE P
IRS990/Form990PartVIISectionAGrp/TitleTxt5MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt6ASST MANAGER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01928
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0327194
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt019211
IRS990/InterestGrp/TotalAmt019211
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt050903
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt050903
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03316965
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02126337
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt076533
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03052
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014266
IRS990/LandBldgEquipCostOrOtherBssAmt090799
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION-TO PROVIDE SERVICES FOR APPROXIMATELY 1,663 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01499366
IRS990/NetAssetsOrFundBalancesEOYAmt01480551
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt021896
IRS990/OccupancyGrp/TotalAmt021896
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt064669
IRS990/OfficeExpensesGrp/TotalAmt064669
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt077626
IRS990/OtherAssetsTotalGrp/EOYAmt076370
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt013224
IRS990/OtherEmployeeBenefitsGrp/TotalAmt013224
IRS990/OtherExpensesGrp/Desc0PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXP
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc3EXAMINATION FEE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt031596
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt124326
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt223000
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt310291
IRS990/OtherExpensesGrp/TotalAmt031596
IRS990/OtherExpensesGrp/TotalAmt124326
IRS990/OtherExpensesGrp/TotalAmt223000
IRS990/OtherExpensesGrp/TotalAmt310291
IRS990/OtherLiabilitiesGrp/BOYAmt06617544
IRS990/OtherLiabilitiesGrp/EOYAmt06657326
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt05034
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt05034
IRS990/OtherRevenueTotalAmt05034
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0112218
IRS990/OtherSalariesAndWagesGrp/TotalAmt0112218
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt09553
IRS990/PayrollTaxesGrp/TotalAmt09553
IRS990/PoliticalCampaignActyInd0true
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt07466
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05965
IRS990/PrincipalOfficerNm0SANDRA GRIFFIS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0211671
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt159586
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0211671
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt159586
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt019211
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt065167
IRS990/PYOtherExpensesAmt0253953
IRS990/PYOtherRevenueAmt03922
IRS990/PYProgramServiceRevenueAmt0285463
IRS990/PYRevenuesLessExpensesAmt0-34939
IRS990/PYSalariesCompEmpBnftPaidAmt0135538
IRS990/PYTotalExpensesAmt0389491
IRS990/PYTotalRevenueAmt0354552
IRS990/ReconcilationRevenueExpnssAmt0-18815
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01311003
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01292188
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01396000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02739039
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/Form1120POLFiledInd0true
IRS990ScheduleC/InternalFundsContributedAmt0400
IRS990ScheduleC/PoliticalExpendituresAmt0400
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0462728395
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine10TENNESSEE CREDIT UNION LEAGUE
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt0400
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine101317 HICKORY VALLEY RD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City0CHATTANOOGA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State0TN
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode037421
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CONTRIBUTION TO THE TENNESSEE CREDIT UNION LEAGUE PAC.
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt1CONTRIBUTION TO THE TENNESSEE CREDIT UNION LEAGUE PAC.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE C, PART I-A, LINE 1
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE C, PART IV
IRS990ScheduleC/TotalExemptFunctionExpendAmt0400
IRS990ScheduleD/EquipmentGrp/BookValueAmt014266
IRS990ScheduleD/EquipmentGrp/DepreciationAmt076533
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt090799
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04096376
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12053981
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2506969
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02065411
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt160926
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1VCCU-PAID-IN CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt014266
IRS990ScheduleD/TotalBookValueSecuritiesAmt02126337
IRS990ScheduleD/TotalLiabilityAmt06657326
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED TRADE OR BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BUFORD SHIELDS SAVAGE VP BOARD SEC/TREAS FATHER-IN-LAW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 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/ExplanationTxt5SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BOARD REVIEWED MANAGER AND PROVIDED COMPENSATION CHANGE IN WRITING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt08125546
IRS990/TotalAssetsEOYAmt08119109
IRS990/TotalAssetsGrp/BOYAmt08125546
IRS990/TotalAssetsGrp/EOYAmt08119109
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0346009
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0346009
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06626180
IRS990/TotalLiabilitiesEOYAmt06638558
IRS990/TotalLiabilitiesGrp/BOYAmt06626180
IRS990/TotalLiabilitiesGrp/EOYAmt06638558
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01499366
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01480551
IRS990/TotalOtherCompensationAmt011999
IRS990/TotalProgramServiceExpensesAmt0346009
IRS990/TotalProgramServiceRevenueAmt0271257
IRS990/TotalReportableCompFromOrgAmt078325
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0327194
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0327194
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08125546
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08119109
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102005 NONCNNAH BLVD
IRS990/USAddress/City0MEMPHIS
IRS990/USAddress/State0TN
IRS990/USAddress/ZIPCode0381322129
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SANDRA GRIFFIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09013322685
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10CN IC EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CNIC
ReturnHeader/Filer/EIN0620246190
ReturnHeader/Filer/PhoneNum09013322685
ReturnHeader/Filer/USAddress/AddressLine102005 NONCONNAH BLVD 7
ReturnHeader/Filer/USAddress/City0MEMPHIS
ReturnHeader/Filer/USAddress/State0TN
ReturnHeader/Filer/USAddress/ZIPCode0381322129
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine103773 COMMONWEALTH BLVD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0323033175
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH MCMURTRIE
ReturnHeader/ReturnTs02014-05-15T19:41:09-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$9.90$8.39$1.51$0.82$0.84$0.02
2023Detailed filing. Detailed filing data is available for this year.$9.70$8.16$1.54$0.72$0.70$0.02
2022Detailed filing. Detailed filing data is available for this year.$9.55$7.97$1.58$0.59$0.53$0.06
2021Detailed filing. Detailed filing data is available for this year.$8.66$7.13$1.52$0.57$0.52$0.04
2020Detailed filing. Detailed filing data is available for this year.$8.49$7.01$1.48$0.54$0.62$0.08
2019Detailed filing. Detailed filing data is available for this year.$7.92$6.36$1.56$0.55$0.59$0.03
2018Detailed filing. Detailed filing data is available for this year.$7.91$6.32$1.60$0.54$0.47$0.07
2017Detailed filing. Detailed filing data is available for this year.$8.01$6.49$1.52$0.44$0.38$0.06
2016Detailed filing. Detailed filing data is available for this year.$7.65$6.18$1.47$0.40$0.45$0.06
2015Detailed filing. Detailed filing data is available for this year.$7.83$6.31$1.52$0.40$0.36$0.04
2014Detailed filing. Detailed filing data is available for this year.$7.82$6.33$1.49$0.34$0.33$0.01
2013Detailed filing. Detailed filing data is available for this year.$8.12$6.64$1.48$0.33$0.35$0.02
2012Summary only. Only limited summary data is available for this year.$8.13$6.63$1.50$0.35$0.39$0.03
2011Summary only. Only limited summary data is available for this year.$8.58$7.04$1.53$0.41$0.38$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.33$6.83$1.50$0.43