Civic Intelligence

Cnic Employees Credit Union

EIN 62-0246190 • 501(c)14 • Memphis, TN

Profile

Credit Union - To provide services for approximately 1,240 members in the form of loans, savings, and other financial services

2005 Nonconnah BlvdMemphis, TN 38132-2129

icecu.net

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

44th percentile

0.84x

Higher debt load relative to assets than 44% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2023

Liabilities / Revenue

23rd percentile

11.39x

Higher debt load relative to revenue than 23% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2023

Net Margin

46th percentile

2.9%

Higher net margin than 46% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

72nd percentile

1.6%

Faster asset growth than 72% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Revenue Growth

73rd percentile

21%

Faster revenue growth than 73% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$9,900,422

Up $196,552 (+2.0%) from 2023

Liabilities

Up

$8,385,548

Up $221,463 (+2.7%) from 2023

Net Assets

Down

$1,514,874

Down $24,911 (-1.6%) from 2023

Operations
Liabilities / Revenue23rd percentileNet Margin46th percentile

Revenue

Up

$815,652

Up $99,047 (+14%) from 2023

Expenses

Up

$840,563

Up $144,810 (+21%) from 2023

Net Income

Down

-$24,911

Down $45,763 (-219%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth72nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$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

2024

Assets$9,900,422
Liabilities$8,385,548
Net Assets$1,514,874
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

Revenue, expenses, and net income by year, with the latest 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

2024

Revenue$815,652
Expenses$840,563
Net Income-$24,911
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,900,422
Liabilities
$8,385,548
Net assets
$1,514,874
Revenue
$815,652
Expenses
$840,563
Net income
-$24,911
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 14, 2025
Return Version
2024v5.1
Gross Receipts
$815,652
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 financial services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$6,746,721$6,678,956▼ $67,765
Savings and Temporary Cash Investments$1,793,000$1,898,000▲ $105,000
Rtn Earn Endowment Incm Other Fnds$1,195,611$1,169,013▼ $26,598
Cash and Non-Interest-Bearing Accounts$701,616$874,374▲ $172,758
Cap Stk Tr Prin Current Funds$344,174$345,861▲ $1,687
Prepaid Expenses and Deferred Charges$81,100$95,609▲ $14,509
Investments Other Securities$60,926$60,926→ $0
Land, Buildings, and Equipment, Net$28,795$30,550▲ $1,755
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$9,703,870$9,900,422▲ $196,552
Other Assets Total$291,712$262,007▼ $29,705
Liabilities
Other Liabilities$7,871,245$8,097,341▲ $226,096
Accounts Payable and Accrued Expenses$292,840$288,207▼ $4,633
Total Liabilities$8,164,085$8,385,548▲ $221,463
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,539,785$1,514,874▼ $24,911
Total Liabilities and Net Assets / Fund Balance$9,703,870$9,900,422▲ $196,552

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$30,550$168,167$198,717
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra GriffisCEO/ManagerFT$91,800$3,127$94,927

Board Members and Trustees

NameTitle
Jason GrissomBoard President
Randall K BrowningBoard Vice-President
Brandon LacklandBoard Member
James TaylorBoard Member
Kelly PearsonBoard Member
Norman JamisonBoard Member
Mark ColemanSecretary-Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$653,387
Investment Income
$132,407
Other Revenue
$29,858
Change in Net Assets
$-24,911
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$595,808
Salaries, Compensation, and Employee Benefits$244,755
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$210,651-$210,651
Interest-$129,819-$129,819
Office Expenses-$93,975-$93,975
Occupancy-$39,120-$39,120
Other Expenses-$22,501-$22,501
All Other Expenses-$21,542-$21,542
Other Employee Benefits-$18,037-$18,037
Payroll Taxes-$16,067-$16,067
Conferences and Meetings-$3,798-$3,798
Total Functional Expenses$0$840,563$0$840,563
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$300
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$3,721,143
All Other Shares$2,627,414
Share Drafts$1,748,784
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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, Part VI, Section A, line 2

“Sandra Griffis, CEO/Manager & Tiffani Taylor, Asst Mgr/Teller (Parent/Child Relationship)”

Form 990, Part VI, Section A, line 6

“The Credit Union is owned by the Members”

Form 990, Part VI, Section A, 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 ofDirectors. The Members elect the Board of Directors at the annual meeting.”

Form 990, Part VI, Section A, line 7B

“Some decisions made by the Board of Directors are affirmed by the members.”

Form 990, Part VI, Section B, line 11B

“The Manager reviews the Form 990. The Form 990 is available for review by the Board of Directors upon request.”

Form 990, Part VI, Section B, line 12C

“The Board of Directors monitor and enforce the conflict of interest policy”

Form 990, Part VI, Section B, line 15A

“Board discussed/reviewed saslary survey provided by TCUL and voted oncompensation and provided compensation change in writing”

Form 990, Part VI, Section C, line 19

“Financial documents are posted in the Credit Union lobby by the 15th day of the subsequent month”

Filing and Contact Details

Filer

Filer Name
CNIC Employees Credit Union
EIN
62-0246190
Phone
9013322686
Address
2005 Nonconnah Blvd, Memphis, TN 38132-2129

Signing Officer

Name
Sandra Griffis
Title
CEO/Manager
Phone
9013322686
Signed
2025-04-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandra Griffis
Formed
1932
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
6
Volunteers
0

Preparer

Firm
ATA Advisory LLC
Address
2070 Rhino Crossing, Milan, TN 38358
Preparer
Jack Matthis
Phone
7316868371
Raw XML Appendix372 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0292840
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0288207
IRS990/AccountsReceivableGrp/BOYAmt06746721
IRS990/AccountsReceivableGrp/EOYAmt06678956
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Credit Union - To provide financial services to members
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt021542
IRS990/AllOtherExpensesGrp/TotalAmt021542
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Sandra Griffis
IRS990/BooksInCareOfDetail/PhoneNum09013322686
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02005 Nonconnah Blvd Suite 7
IRS990/BooksInCareOfDetail/USAddress/CityNm0Memphis
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd038132
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0344174
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0345861
IRS990/CashNonInterestBearingGrp/BOYAmt0701616
IRS990/CashNonInterestBearingGrp/EOYAmt0874374
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt03798
IRS990/ConferencesMeetingsGrp/TotalAmt03798
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0132407
IRS990/CYOtherExpensesAmt0595808
IRS990/CYOtherRevenueAmt029858
IRS990/CYProgramServiceRevenueAmt0653387
IRS990/CYRevenuesLessExpensesAmt0-24911
IRS990/CYSalariesCompEmpBnftPaidAmt0244755
IRS990/CYTotalExpensesAmt0840563
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0815652
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0The Credit Union provides a variety of loan services for its members
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt06
IRS990/EmploymentTaxReturnsFiledInd00
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt73127
IRS990/Form990PartVIISectionAGrp/PersonNm0Norman Jamison
IRS990/Form990PartVIISectionAGrp/PersonNm1Brandon Lackland
IRS990/Form990PartVIISectionAGrp/PersonNm2Kelly Pearson
IRS990/Form990PartVIISectionAGrp/PersonNm3Mark Coleman
IRS990/Form990PartVIISectionAGrp/PersonNm4Randall K Browning
IRS990/Form990PartVIISectionAGrp/PersonNm5James Taylor
IRS990/Form990PartVIISectionAGrp/PersonNm6Jason Grissom
IRS990/Form990PartVIISectionAGrp/PersonNm7Sandra Griffis
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt791800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary-Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board President
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO/Manager
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01932
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0815652
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt0129819
IRS990/InterestGrp/TotalAmt0129819
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0132407
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0132407
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt060926
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt060926
IRS990/IRPDocumentCnt0265
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0168167
IRS990/LandBldgEquipBasisNetGrp/BOYAmt028795
IRS990/LandBldgEquipBasisNetGrp/EOYAmt030550
IRS990/LandBldgEquipCostOrOtherBssAmt0198717
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Credit Union - To provide services for approximately 1,240 members in the form of loans, savings, and other financial services
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01539785
IRS990/NetAssetsOrFundBalancesEOYAmt01514874
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt039120
IRS990/OccupancyGrp/TotalAmt039120
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt093975
IRS990/OfficeExpensesGrp/TotalAmt093975
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0291712
IRS990/OtherAssetsTotalGrp/EOYAmt0262007
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt018037
IRS990/OtherEmployeeBenefitsGrp/TotalAmt018037
IRS990/OtherExpensesGrp/Desc0Provision for Credit Lo
IRS990/OtherExpensesGrp/Desc1Professional & Outside
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc3Other Expenses
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0136148
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1101729
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt247176
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt322501
IRS990/OtherExpensesGrp/TotalAmt0136148
IRS990/OtherExpensesGrp/TotalAmt1101729
IRS990/OtherExpensesGrp/TotalAmt247176
IRS990/OtherExpensesGrp/TotalAmt322501
IRS990/OtherLiabilitiesGrp/BOYAmt07871245
IRS990/OtherLiabilitiesGrp/EOYAmt08097341
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0Other Operating Income
IRS990/OtherRevenueMiscGrp/Desc1Other Non-Operating In
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt029528
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1330
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt029528
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1330
IRS990/OtherRevenueTotalAmt029858
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0210651
IRS990/OtherSalariesAndWagesGrp/TotalAmt0210651
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt016067
IRS990/PayrollTaxesGrp/TotalAmt016067
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt081100
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt095609
IRS990/PrincipalOfficerNm0Sandra Griffis
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0543839
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1109548
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0543839
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1109548
IRS990/ProgSrvcAccomActy2Grp/Desc0The Credit Union provides a variety of deposit services for its members
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt070300
IRS990/PYOtherExpensesAmt0484515
IRS990/PYOtherRevenueAmt028735
IRS990/PYProgramServiceRevenueAmt0617570
IRS990/PYRevenuesLessExpensesAmt020852
IRS990/PYSalariesCompEmpBnftPaidAmt0211238
IRS990/PYTotalExpensesAmt0695753
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0716605
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-24911
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01195611
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01169013
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01793000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01898000
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/PoliticalExpendituresAmt0300
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0581961939
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0Tennessee Credit Union League
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01317 Hickory Valley Road
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0Chattanooga
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0TN
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd037421
IRS990ScheduleD/EquipmentGrp/BookValueAmt030550
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0168167
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0198717
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03721143
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11748784
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22627414
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Regular Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2All Other Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt030550
IRS990ScheduleD/TotalLiabilityAmt08097341
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Sandra Griffis, CEO/Manager & Tiffani Taylor, Asst Mgr/Teller (Parent/Child Relationship)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Credit Union is owned by the Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors is elected by the membership (one member, one vote).All duties, powers, and responsibilities are controlled by the Board ofDirectors. The Members elect the Board of Directors at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Some decisions made by the Board of Directors are affirmed by the members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Manager reviews the Form 990. The Form 990 is available for review by the Board of Directors upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Board of Directors monitor and enforce the conflict of interest policy
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Board discussed/reviewed saslary survey provided by TCUL and voted oncompensation and provided compensation change in writing
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financial documents are posted in the Credit Union lobby by the 15th day of the subsequent month
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt09703870
IRS990/TotalAssetsEOYAmt09900422
IRS990/TotalAssetsGrp/BOYAmt09703870
IRS990/TotalAssetsGrp/EOYAmt09900422
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0840563
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0840563
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08164085
IRS990/TotalLiabilitiesEOYAmt08385548
IRS990/TotalLiabilitiesGrp/BOYAmt08164085
IRS990/TotalLiabilitiesGrp/EOYAmt08385548
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01539785
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01514874
IRS990/TotalOtherCompensationAmt03127
IRS990/TotalProgramServiceRevenueAmt0653387
IRS990/TotalReportableCompFromOrgAmt091800
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0815652
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0815652
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09703870
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt09900422
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02005 Nonconnah Blvd Suite 7
IRS990/USAddress/CityNm0Memphis
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd038132
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0icecu.net
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Sandra Griffis
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum09013322686
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CNIC Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0CNIC
ReturnHeader/Filer/EIN0620246190
ReturnHeader/Filer/PhoneNum09013322686
ReturnHeader/Filer/USAddress/AddressLine1Txt02005 Nonconnah Blvd
ReturnHeader/Filer/USAddress/CityNm0Memphis
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd0381322129
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0934967814
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ATA Advisory LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02070 Rhino Crossing
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Milan
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd038358
ReturnHeader/PreparerPersonGrp/PhoneNum07316868371
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jack Matthis
ReturnHeader/ReturnTs02025-04-14T21:05:12-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.