Civic Intelligence

Us Community Credit Union

EIN 62-0517615 • 501(c)14 • Nashville, TN

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CREDIT UNION SERVICES

PO Box 140570Nashville, TN 37214

n/A

Siviq Scores

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

Liabilities / Assets

51st percentile

0.90x

Higher debt load relative to assets than 51% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

31st percentile

13.40x

Higher debt load relative to revenue than 31% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

45th percentile

8.2%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

38th percentile

$387,342

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

86th percentile

8.2%

Faster asset growth than 86% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

37th percentile

9.7%

Faster revenue growth than 37% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets51st percentile

Assets

Up

$318,990,368

Up $24,258,087 (+8.2%) from 2023

Liabilities

Up

$286,878,276

Up $22,152,983 (+8.4%) from 2023

Net Assets

Up

$32,112,092

Up $2,105,104 (+7.0%) from 2023

Operations
Liabilities / Revenue31st percentileNet Margin45th percentile

Revenue

Up

$21,415,746

Up $1,897,880 (+9.7%) from 2023

Expenses

Up

$19,652,122

Up $2,307,210 (+13%) from 2023

Net Income

Down

$1,763,624

Down $409,330 (-19%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth86th percentile

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

$400M$300M$200M$100M$0Assets 2010: $132,442,441Liabilities 2010: $111,704,418Net Assets 2010: $20,738,0232010Assets 2011: $140,615,607Liabilities 2011: $119,990,758Net Assets 2011: $20,624,8492011Assets 2012: $147,487,640Liabilities 2012: $126,685,630Net Assets 2012: $20,802,0102012Assets 2013: $147,838,895Liabilities 2013: $128,800,073Net Assets 2013: $19,038,8222013Assets 2014: $155,250,087Liabilities 2014: $134,808,734Net Assets 2014: $20,441,3532014Assets 2015: $164,629,947Liabilities 2015: $143,832,421Net Assets 2015: $20,797,5262015Assets 2016: $177,355,389Liabilities 2016: $155,748,842Net Assets 2016: $21,606,5472016Assets 2017: $194,023,859Liabilities 2017: $170,552,022Net Assets 2017: $23,471,8372017Assets 2018: $202,547,543Liabilities 2018: $177,531,240Net Assets 2018: $25,016,3032018Assets 2019: $215,456,515Liabilities 2019: $189,339,084Net Assets 2019: $26,117,4312019Assets 2020: $242,291,085Liabilities 2020: $215,654,859Net Assets 2020: $26,636,2262020Assets 2021: $267,338,347Liabilities 2021: $238,550,223Net Assets 2021: $28,788,1242021Assets 2022: $287,343,316Liabilities 2022: $258,063,221Net Assets 2022: $29,280,0952022Assets 2023: $294,732,281Liabilities 2023: $264,725,293Net Assets 2023: $30,006,9882023Assets 2024: $318,990,368Liabilities 2024: $286,878,276Net Assets 2024: $32,112,0922024

Highlighted filing

2024

Assets$318,990,368
Liabilities$286,878,276
Net Assets$32,112,092
Open 2024 Filing

Operations Trend

Revenue Growth37th percentile

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

$30M$20M$10M$0Expenses 2010: $9,811,4862010Expenses 2011: $9,752,6542011Expenses 2012: $9,556,7462012Revenue 2013: $9,883,448Expenses 2013: $9,704,532Net Income 2013: $178,9162013Revenue 2014: $10,020,317Expenses 2014: $9,563,805Net Income 2014: $456,5122014Revenue 2015: $10,803,924Expenses 2015: $10,261,984Net Income 2015: $541,9402015Revenue 2016: $11,912,459Expenses 2016: $11,056,089Net Income 2016: $856,3702016Revenue 2017: $12,673,473Expenses 2017: $10,950,940Net Income 2017: $1,722,5332017Revenue 2018: $14,219,106Expenses 2018: $12,335,255Net Income 2018: $1,883,8512018Revenue 2019: $14,802,772Expenses 2019: $13,712,765Net Income 2019: $1,090,0072019Revenue 2020: $15,020,718Expenses 2020: $14,601,222Net Income 2020: $419,4962020Revenue 2021: $15,706,229Expenses 2021: $12,484,394Net Income 2021: $3,221,8352021Revenue 2022: $17,909,727Expenses 2022: $14,072,494Net Income 2022: $3,837,2332022Revenue 2023: $19,517,866Expenses 2023: $17,344,912Net Income 2023: $2,172,9542023Revenue 2024: $21,415,746Expenses 2024: $19,652,122Net Income 2024: $1,763,6242024

Highlighted filing

2024

Revenue$21,415,746
Expenses$19,652,122
Net Income$1,763,624
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$318,990,368
Liabilities
$286,878,276
Net assets
$32,112,092
Revenue
$21,415,746
Expenses
$19,652,122
Net income
$1,763,624
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$319$287$32.1$21.4$19.7$1.76
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$295$265$30.0$19.5$17.3$2.17
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$287$258$29.3$17.9$14.1$3.84
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$267$239$28.8$15.7$12.5$3.22
2020Summary only. Only limited summary data is available for this year.$242$216$26.6$15.0$14.6$0.42
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$215$189$26.1$14.8$13.7$1.09
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$203$178$25.0$14.2$12.3$1.88
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$194$171$23.5$12.7$11.0$1.72
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$177$156$21.6$11.9$11.1$0.86
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$165$144$20.8$10.8$10.3$0.54
2014Detailed filing. Detailed filing data is available for this year.$155$135$20.4$10.0$9.56$0.46
2013Detailed filing. Detailed filing data is available for this year.$148$129$19.0$9.88$9.70$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$147$127$20.8$9.56
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$141$120$20.6$9.75
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$132$112$20.7$9.81
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 15, 2025
Return Version
2024v5.2
Gross Receipts
$21,481,444
Mission and Program Overview

Mission

CREDIT UNION SERVICES

We'll always be there with excellent knowledge and outstanding service. Whenever you need us, we'll be here. Us community credit union, "values you can trust."

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$217,655,738$222,167,397▲ $4,511,659
Rtn Earn Endowment Incm Other Fnds$30,006,988$32,112,092▲ $2,105,104
Savings and Temporary Cash Investments$14,206,872$30,819,218▲ $16,612,346
Investments in Publicly Traded Securities$29,468,672$30,410,424▲ $941,752
Receivables From Officers Etc$14,944,737$15,316,923▲ $372,186
Land, Buildings, and Equipment, Net$10,869,558$10,584,018▼ $285,540
Prepaid Expenses and Deferred Charges$198,566$1,858,190▲ $1,659,624
Cash and Non-Interest-Bearing Accounts$2,083,819$1,760,556▼ $323,263
Accounts Receivable-$377,316-
Investments Other Securities$272,100$253,800▼ $18,300
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$294,732,281$318,990,368▲ $24,258,087
Other Assets Total$5,032,219$5,442,526▲ $410,307
Liabilities
Other Liabilities$264,725,293$277,824,089▲ $13,098,796
Accounts Payable and Accrued Expenses-$9,054,187-
Total Liabilities$264,725,293$286,878,276▲ $22,152,983
Net Assets / Fund Balance
Total Net Assets Fund Balance$30,006,988$32,112,092▲ $2,105,104
Total Liabilities and Net Assets / Fund Balance$294,732,281$318,990,368▲ $24,258,087

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,779,197$1,956,311$8,735,508
Land$3,334,219-$3,334,219
Equipment$470,602$1,680,313$2,150,915
Leasehold Improvements$0$54,782$54,782
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ben JohnsonCEOFT$286,479$100,863$387,342
Kameran LauxCFO (effective 4/1/24)FT$163,542$75,535$239,077
Gregory BrentCROFT$167,145$58,707$225,852
Jon Ryan JerniganCOOFT$135,606$48,270$183,876
Kimberly LamontSVP of LendingFT$126,521$34,749$161,270
Nathan BrownCFO (1/1/24 - 3/31/24)FT$107,184$48,535$155,719
Steven J KibbelWealth Management AdvisorFT$117,513$9,490$127,003
Sharon RenfroSenior Avp of AdministrationFT$109,002$11,916$120,918
Brianna BurdenVP of Member ExperienceFT$107,763$12,709$120,472
Lauren BolusVP of Mortgage Lending & Business ServicesFT$115,679$3,538$119,217
Jason BrockmanDirector-$2,286-$2,286
Norman LoveDirector-$1,638-$1,638
Roy JonesChairperson-$1,542-$1,542

Board Members and Trustees

NameTitle
Hewitt SawyersVice Chairperson
Charles BoddieDirector
Christopher WestbrookSecretary
Cindy BabinTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore Providers And Debit Card ServicesPO BOX 934057, Atlanta, GA 31193$1,329,539
CorelationCore Providers And Debit Card Services2305 HISTORIC DECATUR RD STE 300, San Diego, CA 92106$374,858
AlkamiDigital BankingPO BOX 122223 DEPT 2223, Dallas, TX 75312$229,609
AcumenIt ServicesPO BOX 306538, Nashville, TN 37230$203,525
Samaha & AssociatesConsultants2020 N BAYSHORE DR UNIT 3003, Miami, FL 33137$196,594
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,348,926
Investment Income
$1,706,173
Other Revenue
$3,360,647
Change in Net Assets
$1,763,624

Audited Revenue Reconciliation

Revenue per Audited Statements
$21,415,746
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$21,415,746
Total Revenue per Form 990
$21,415,746
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,326,315
Salaries, Compensation, and Employee Benefits$7,325,807
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,745,614
Interest---$4,623,615
Office Expenses---$2,440,096
Information Technology---$1,382,883
Current Officers, Directors, Trustees, and Key Employees---$1,197,332
Other Employee Benefits---$644,865
Payroll Taxes---$435,364
Other Expenses---$427,870
Advertising---$377,534
Depreciation Depletion---$356,485
Fees for Services Other---$336,380
Occupancy---$319,437
Conferences and Meetings---$307,280
Pension Plan Contributions---$302,632
Fees for Services Accounting---$161,417
Insurance---$94,158
Fees for Services Legal---$54,750
Total Functional Expenses$0$0$0$19,652,122

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$19,652,122
Total Expenses per Audited Statements$19,652,122
Total Expenses per Form 990$19,652,122
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$14,944,737$15,316,923▲ $372,186
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$104,245,462
Certificates of Deposit$94,470,098
Share Drafts$45,623,422
Money Market Shares$31,648,178
Ira Shares$1,836,929
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
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 6

“The credit union has members.”

Form 990, Part VI, Section A, Line 7A

“Member shareholders elect board members.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

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

“Upon preparation of the form 990 by external tax professionals, the draft return is reviewed by senior management, including the chief financial officer. Once filed, the governing body is informed a copy of the form 990 is available upon request.”

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

“Officers and directors provide written disclosure of any issues that could lead to conflicts of interest on an annual basis. These potential conflicts of interest are reviewed by internal audit and reported to the audit committee.”

Form 990, Part VI, Section B, Line 15

“From a compensation standpoint, the credit union utilizes multiple industry resources to ensure competitive and equitable pay practices. These include compease data, general salary survey data, the cuna salary survey, the credit union executive survey, and gallagher survey data for credit unions. Compensation decisions are guided by corporate performance goals, benchmarking against peer institutions, and individual employee performance metrics. Salary increases are determined within a structured increase matrix to maintain consistency, fairness, and alignment with the organization's strategic objectives.”

Form 990, Part VI, Section C, Line 19

“The organizational documents, conflict of interest policy and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
US Community Credit Union
EIN
62-0517615
Phone
6152568712
Address
PO BOX 140570, NASHVILLE, TN 37214

Signing Officer

Name
Kameran Laux
Title
CFO
Phone
6152568712
Signed
2025-09-15

Organization Details

Principal Officer
Ben Johnson
Formed
1949
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
118
Volunteers
7

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional and outside services 336,380.”

FORM 990, PART XII, LINE 2C:

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 671 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
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IRS990/AccountsReceivableGrp/EOYAmt0377316
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WE'LL ALWAYS BE THERE WITH EXCELLENT KNOWLEDGE AND OUTSTANDING SERVICE. WHENEVER YOU NEED US, WE'LL BE HERE. US COMMUNITY CREDIT UNION, "VALUES YOU CAN TRUST."
IRS990/AdvertisingGrp/TotalAmt0377534
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IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
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IRS990/CntrctRcvdGreaterThan100KCnt08
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IRS990/CompensationProcessOtherInd01
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IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt01329539
IRS990/ContractorCompensationGrp/CompensationAmt1374858
IRS990/ContractorCompensationGrp/CompensationAmt2229609
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 306538
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0ATLANTA
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3ACUMEN
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4SAMAHA & ASSOCIATES
IRS990/ContractorCompensationGrp/ServicesDesc0CORE PROVIDERS AND DEBIT CARD SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc1CORE PROVIDERS AND DEBIT CARD SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc2DIGITAL BANKING
IRS990/ContractorCompensationGrp/ServicesDesc3IT SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc4CONSULTANTS
IRS990/CreditCounselingInd00
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IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherRevenueAmt03360647
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IRS990/DecisionsSubjectToApprovaInd01
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IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
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IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0118
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
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IRS990/FeesForServicesOtherGrp/TotalAmt0336380
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt847563
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1611916
IRS990/Form990PartVIISectionAGrp/PersonNm0ROY JONES
IRS990/Form990PartVIISectionAGrp/PersonNm1HEWITT SAWYERS
IRS990/Form990PartVIISectionAGrp/PersonNm2CINDY BABIN
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRISTOPHER WESTBROOK
IRS990/Form990PartVIISectionAGrp/PersonNm4CHARLES BODDIE
IRS990/Form990PartVIISectionAGrp/PersonNm5JASON BROCKMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6NORMAN LOVE
IRS990/Form990PartVIISectionAGrp/PersonNm7BEN JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm8KAMERAN LAUX
IRS990/Form990PartVIISectionAGrp/PersonNm9GREGORY BRENT
IRS990/Form990PartVIISectionAGrp/PersonNm10JON RYAN JERNIGAN
IRS990/Form990PartVIISectionAGrp/PersonNm11NATHAN BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm12KIMBERLY LAMONT
IRS990/Form990PartVIISectionAGrp/PersonNm13STEVEN J KIBBEL
IRS990/Form990PartVIISectionAGrp/PersonNm14LAUREN BOLUS
IRS990/Form990PartVIISectionAGrp/PersonNm15BRIANNA BURDEN
IRS990/Form990PartVIISectionAGrp/PersonNm16SHARON RENFRO
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7361816
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8191514
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10161051
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14115679
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15107763
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16109002
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO (EFFECTIVE 4/1/24)
IRS990/Form990PartVIISectionAGrp/TitleTxt9CRO
IRS990/Form990PartVIISectionAGrp/TitleTxt10COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO (1/1/24 - 3/31/24)
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13WEALTH MANAGEMENT ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF MORTGAGE LENDING & BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF MEMBER EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt16SENIOR AVP OF ADMINISTRATION
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IRS990/FormationYr01949
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IRS990/FSAuditedInd01
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/InsuranceGrp/TotalAmt094158
IRS990/InterestGrp/TotalAmt04623615
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IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0272100
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0253800
IRS990/InvestmentsPubTradedSecGrp/BOYAmt029468672
IRS990/InvestmentsPubTradedSecGrp/EOYAmt030410424
IRS990/IRPDocumentCnt05265
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03691406
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010869558
IRS990/LandBldgEquipBasisNetGrp/EOYAmt010584018
IRS990/LandBldgEquipCostOrOtherBssAmt014275424
IRS990/LegalDomicileStateCd0TN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt065698
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0WE'LL ALWAYS BE THERE WITH EXCELLENT KNOWLEDGE AND OUTSTANDING SERVICE. WHENEVER YOU NEED US, WE'LL BE HERE. US COMMUNITY CREDIT UNION, "VALUES YOU CAN TRUST."
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt030006988
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IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-698
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-698
IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/NondeductibleContributionsInd00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05032219
IRS990/OtherAssetsTotalGrp/EOYAmt05442526
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0644865
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt01444410
IRS990/OtherExpensesGrp/TotalAmt1427870
IRS990/OtherLiabilitiesGrp/BOYAmt0264725293
IRS990/OtherLiabilitiesGrp/EOYAmt0277824089
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IRS990/OtherRevenueMiscGrp/Desc0INTERCHANGE INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc2COMMISSION INCOME
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2643370
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2643370
IRS990/OtherRevenueTotalAmt03360647
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IRS990/ProgramServiceRevenueGrp/Desc2FINANCE AND INSURANCE
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IRS990/ProgSrvcAccomActy2Grp/Desc0INTEREST EXPENSES WERE INCURRED IN THE ORDINARY COURSE OF BUSINESS TO SUPPORT DEPOSIT ACCOUNTS HELD BY MEMBERS. THESE PAYMENTS REPRESENT THE CREDIT UNION'S COMMITMENT TO PROVIDING MEMBERS WITH COMPETITIVE RETURNS ON SAVINGS AND OTHER DEPOSIT INSTRUMENTS. BY OFFERING INTEREST-BEARING PRODUCTS, THE CREDIT UNION FOSTERS FINANCIAL STABILITY AND ENCOURAGES PERSONAL SAVINGS AMONG MEMBERS, PARTICULARLY THOSE OF MODEST MEANS, WHICH DIRECTLY ALIGNS WITH ITS MISSION TO PROMOTE THRIFT AND PROVIDE A SOURCE OF CREDIT AT REASONABLE RATES.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE PROVISION FOR LOAN LOSSES ENSURES THE LONG-TERM FINANCIAL STABILITY AND SOUNDNESS OF THE CREDIT UNION, PROTECTING MEMBER DEPOSITS AND PRESERVING TRUST IN ITS LENDING OPERATIONS. THIS ACCOUNTING EXPENSE REFLECTS PRUDENT FINANCIAL MANAGEMENT AND RISK MITIGATION FOR POTENTIAL LOAN DEFAULTS, PARTICULARLY AMONG UNDERSERVED OR ECONOMICALLY VULNERABLE MEMBERS. BY MAINTAINING ADEQUATE RESERVES, THE CREDIT UNION CAN CONTINUE TO OFFER ACCESSIBLE, FAIR, AND RESPONSIBLE CREDIT OPTIONS, CONSISTENT WITH ITS CORE MISSION OF SERVING THE COMMUNITY'S FINANCIAL NEEDS.
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IRS990/PYSalariesCompEmpBnftPaidAmt07238981
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IRS990/PYTotalProfFndrsngExpnsAmt00
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IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt030006988
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt032112092
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014206872
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030819218
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06779197
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01956311
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08735508
IRS990ScheduleD/EquipmentGrp/BookValueAmt0470602
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01680313
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02150915
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt019652122
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03334219
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03334219
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt054782
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt054782
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt094470098
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11836929
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt231648178
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt345623422
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4104245462
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4REGULAR SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt021415746
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010584018
IRS990ScheduleD/TotalExpensesPerForm990Amt019652122
IRS990ScheduleD/TotalLiabilityAmt0277824089

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