Civic Intelligence

Southern Credit Union

EIN 62-0365265 • 501(c)14 • Chattanooga, TN

View Organization Page

Profile

Credit union - to provide services to approximately 1,828 members in the form of loans, savings, and other financial services.

P O Box 3490Chattanooga, TN 37402

www.southerncu.com

Siviq Scores

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

Liabilities / Assets

66th percentile

0.89x

Higher debt load relative to assets than 66% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

63rd percentile

20.25x

Higher debt load relative to revenue than 63% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

17th percentile

-11%

Higher net margin than 17% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

44th percentile

-1.3%

Faster asset growth than 44% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

100th percentile

101%

Faster revenue growth than 100% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets66th percentile

Assets

Down

$20,695,982

Down $264,940 (-1.3%) from 2023

Liabilities

Down

$18,398,354

Down $167,314 (-0.9%) from 2023

Net Assets

Down

$2,297,628

Down $97,626 (-4.1%) from 2023

Operations
Liabilities / Revenue63rd percentileNet Margin17th percentile

Revenue

Up

$908,776

Up $456,604 (+101%) from 2023

Expenses

Up

$1,006,402

Up $103,692 (+11%) from 2023

Net Income

Up

-$97,626

Up $352,912 (+78%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$30M$20M$10M$0Assets 2010: $20,658,495Liabilities 2010: $17,913,618Net Assets 2010: $2,744,8772010Assets 2011: $20,504,867Liabilities 2011: $17,803,066Net Assets 2011: $2,701,8012011Assets 2012: $19,865,461Liabilities 2012: $17,131,117Net Assets 2012: $2,734,3442012Assets 2013: $20,093,096Liabilities 2013: $17,315,146Net Assets 2013: $2,777,9502013Assets 2014: $20,451,958Liabilities 2014: $17,615,009Net Assets 2014: $2,836,9492014Assets 2015: $21,199,824Liabilities 2015: $18,342,284Net Assets 2015: $2,857,5402015Assets 2016: $22,027,609Liabilities 2016: $19,161,958Net Assets 2016: $2,865,6512016Assets 2017: $22,011,027Liabilities 2017: $19,114,724Net Assets 2017: $2,896,3032017Assets 2018: $21,380,321Liabilities 2018: $18,471,919Net Assets 2018: $2,908,4022018Assets 2019: $20,373,992Liabilities 2019: $17,440,843Net Assets 2019: $2,933,1492019Assets 2020: $22,892,053Liabilities 2020: $20,047,169Net Assets 2020: $2,844,8842020Assets 2021: $26,411,955Liabilities 2021: $23,558,564Net Assets 2021: $2,853,3912021Assets 2022: $22,566,623Liabilities 2022: $19,720,830Net Assets 2022: $2,845,7932022Assets 2023: $20,960,922Liabilities 2023: $18,565,668Net Assets 2023: $2,395,2542023Assets 2024: $20,695,982Liabilities 2024: $18,398,354Net Assets 2024: $2,297,6282024

Highlighted filing

2024

Assets$20,695,982
Liabilities$18,398,354
Net Assets$2,297,628
Open 2024 Filing

Operations Trend

Revenue Growth100th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,284,3992010Expenses 2011: $1,009,6622011Expenses 2012: $938,0102012Revenue 2013: $990,454Expenses 2013: $946,849Net Income 2013: $43,6052013Revenue 2014: $957,480Expenses 2014: $898,482Net Income 2014: $58,9982014Revenue 2015: $930,597Expenses 2015: $910,006Net Income 2015: $20,5912015Revenue 2016: $890,940Expenses 2016: $882,829Net Income 2016: $8,1112016Revenue 2017: $874,304Expenses 2017: $843,652Net Income 2017: $30,6522017Revenue 2018: $909,682Expenses 2018: $897,582Net Income 2018: $12,1002018Revenue 2019: $909,309Expenses 2019: $884,563Net Income 2019: $24,7462019Revenue 2020: $727,539Expenses 2020: $815,803Net Income 2020: -$88,2642020Revenue 2021: $750,608Expenses 2021: $744,924Net Income 2021: $5,6842021Revenue 2022: $762,172Expenses 2022: $809,766Net Income 2022: -$47,5942022Revenue 2023: $452,172Expenses 2023: $902,710Net Income 2023: -$450,5382023Revenue 2024: $908,776Expenses 2024: $1,006,402Net Income 2024: -$97,6262024

Highlighted filing

2024

Revenue$908,776
Expenses$1,006,402
Net Income-$97,626
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$20,695,982
Liabilities
$18,398,354
Net assets
$2,297,628
Revenue
$908,776
Expenses
$1,006,402
Net income
-$97,626
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$20.7$18.4$2.30$0.91$1.01$0.10
2023Detailed filing. Detailed filing data is available for this year.$21.0$18.6$2.40$0.45$0.90$0.45
2022Detailed filing. Detailed filing data is available for this year.$22.6$19.7$2.85$0.76$0.81$0.05
2021Detailed filing. Detailed filing data is available for this year.$26.4$23.6$2.85$0.75$0.74$0.01
2020Detailed filing. Detailed filing data is available for this year.$22.9$20.0$2.84$0.73$0.82$0.09
2019Detailed filing. Detailed filing data is available for this year.$20.4$17.4$2.93$0.91$0.88$0.02
2018Detailed filing. Detailed filing data is available for this year.$21.4$18.5$2.91$0.91$0.90$0.01
2017Detailed filing. Detailed filing data is available for this year.$22.0$19.1$2.90$0.87$0.84$0.03
2016Detailed filing. Detailed filing data is available for this year.$22.0$19.2$2.87$0.89$0.88$0.01
2015Detailed filing. Detailed filing data is available for this year.$21.2$18.3$2.86$0.93$0.91$0.02
2014Detailed filing. Detailed filing data is available for this year.$20.5$17.6$2.84$0.96$0.90$0.06
2013Detailed filing. Detailed filing data is available for this year.$20.1$17.3$2.78$0.99$0.95$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.9$17.1$2.73$0.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.5$17.8$2.70$1.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.7$17.9$2.74$1.28
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 19, 2025
Return Version
2024v5.0
Gross Receipts
$908,776
Mission and Program Overview

Mission

Credit union - to provide services to approximately 2,485 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$10,294,000$10,149,000▼ $145,000
Accounts Receivable$8,819,975$8,405,582▼ $414,393
Rtn Earn Endowment Incm Other Fnds$1,610,202$2,297,628▲ $687,426
Cash and Non-Interest-Bearing Accounts$1,325,615$1,611,598▲ $285,983
Cap Stk Tr Prin Current Funds$785,052--
Investments Other Securities$151,696$151,696→ $0
Land, Buildings, and Equipment, Net$109,021$104,931▼ $4,090
Prepaid Expenses and Deferred Charges$53,170$62,384▲ $9,214
Total Assets$20,960,922$20,695,982▼ $264,940
Other Assets Total$207,445$210,791▲ $3,346
Liabilities
Other Liabilities$18,504,113$18,342,932▼ $161,181
Accounts Payable and Accrued Expenses$61,555$55,422▼ $6,133
Total Liabilities$18,565,668$18,398,354▼ $167,314
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,395,254$2,297,628▼ $97,626
Total Liabilities and Net Assets / Fund Balance$20,960,922$20,695,982▼ $264,940

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$63,709$168,933$232,642
Equipment$7,256$118,568$125,824
Buildings-$118,968$118,968
Land$33,966-$33,966
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cindy D BealeCEOFT$73,130$20,437$93,567

Board Members and Trustees

NameTitle
Stephen L EvansBoard Co-CHA
GREG M O'NEALBoard Member
John BornBoard Member
Rob BeasleyBoard Member
Sam HuffBoard Member
Donna CunninghamBoard Sec/tr
Sandy WallisBod Co-ch/sc
Danny E HolmesBod Vice-pre
Clifford L LowranceBod/sc Mem
Joanie Murphey-copeBod/sc Mem
Theodore JacksonSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$615,210
Investment Income
$269,998
Other Revenue
$23,568
Change in Net Assets
$-97,626
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$667,057
Salaries, Compensation, and Employee Benefits$339,345
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest-$301,210-$301,210
Other Salaries and Wages-$249,264-$249,264
Office Expenses-$118,754-$118,754
Other Employee Benefits-$64,279-$64,279
Occupancy-$43,985-$43,985
Payroll Taxes-$20,036-$20,036
Other Expenses-$10,545-$10,545
All Other Expenses-$9,850-$9,850
Conferences and Meetings-$5,958-$5,958
Pension Plan Contributions-$5,766-$5,766
Total Functional Expenses$0$1,006,402$0$1,006,402
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
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$7,921,669
All Other Shares$7,603,403
Share Drafts$2,817,860
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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, 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 manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”

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

“The board of directors use a comparison of credit union compensation.”

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

Filer Name
Southern Credit Union
EIN
62-0365265
Phone
4236292578
Address
P O BOX 3490, CHATTANOOGA, TN 37402

Signing Officer

Name
Cindy D Beale
Title
CEO
Phone
4236292578
Signed
2025-05-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cindy D Beale
Formed
1932
Legal Domicile
Tn
Voting Board Members
9
Independent Board Members
9
Employees
10
Volunteers
11

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors and supervisory committee without compensation.”

Form 990, Page 2, Part III, Line 4D

“Cuna program grant made in 2017 for 2,500.”

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

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“Change to net income - alll exp 0 due to rounding 0”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML Appendix396 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.

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IRS990/OfficeExpensesGrp/TotalAmt0118754
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IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0207445
IRS990/OtherAssetsTotalGrp/EOYAmt0210791
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt064279
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt249083
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt310545
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt023568
IRS990/OtherRevenueTotalAmt023568
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IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt020036
IRS990/PayrollTaxesGrp/TotalAmt020036
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt062384
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0547758
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt167452
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0CUNA PROGRAM GRANT MADE IN 2017 FOR 2,500.
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IRS990/PYOtherExpensesAmt0518871
IRS990/PYOtherRevenueAmt0-274855
IRS990/PYProgramServiceRevenueAmt0518446
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IRS990/PYSalariesCompEmpBnftPaidAmt0383839
IRS990/PYTotalExpensesAmt0902710
IRS990/PYTotalRevenueAmt0452172
IRS990/ReconcilationRevenueExpnssAmt0-97626
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02297628
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt010149000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0118968
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0118968
IRS990ScheduleD/EquipmentGrp/BookValueAmt07256
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0118568
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0125824
IRS990ScheduleD/LandGrp/BookValueAmt033966
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt033966
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt063709
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0168933
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0232642
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07921669
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt17603403
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22817860
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CUNA PROGRAM GRANT MADE IN 2017 FOR 2,500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION HAD NO UNRELATED BUSINESS INCOME.
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 MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9CHANGE TO NET INCOME - ALLL EXP 0 DUE TO ROUNDING 0
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 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 5, PART V, LINE 3B
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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XII
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt020960922
IRS990/TotalAssetsEOYAmt020695982
IRS990/TotalAssetsGrp/BOYAmt020960922
IRS990/TotalAssetsGrp/EOYAmt020695982
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01006402
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01006402
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt018565668
IRS990/TotalLiabilitiesEOYAmt018398354
IRS990/TotalLiabilitiesGrp/BOYAmt018565668
IRS990/TotalLiabilitiesGrp/EOYAmt018398354
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02395254
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02297628
IRS990/TotalOtherCompensationAmt020437
IRS990/TotalProgramServiceExpensesAmt01006402
IRS990/TotalProgramServiceRevenueAmt0615210
IRS990/TotalReportableCompFromOrgAmt073130
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0908776
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0908776
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020960922
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020695982
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 3490
IRS990/USAddress/CityNm0CHATTANOOGA
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd0374040490
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.SOUTHERNCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CINDY D BEALE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04236292578
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SOUTHERN CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SOUT
ReturnHeader/Filer/EIN0620365265
ReturnHeader/Filer/PhoneNum04236292578
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 3490
ReturnHeader/Filer/USAddress/CityNm0CHATTANOOGA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037402
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-05-27T18:20:42-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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