Liabilities / Assets
74th percentile
Higher debt load relative to assets than 74% of similar nonprofits.
Epb Employees Credit Union
EIN 62-0538561 • 501(c)14 • Chattanooga, TN
Profile
State chartered credit union mutually owned by our 2,517 members to promote thrift, issue shares and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.90x
Liabilities / Revenue
71st percentile
Higher debt load relative to revenue than 71% of similar nonprofits.
Net Margin
18th percentile
Higher net margin than 18% of similar nonprofits.
Top Officer Pay
40th percentile
Higher top officer pay than 40% of similar nonprofits.
Top officer pay equals 5.6% of source-year revenue.
Asset Growth
17th percentile
Faster asset growth than 17% of similar nonprofits.
Revenue Growth
79th percentile
Faster revenue growth than 79% of similar nonprofits.
Balance Sheet
Assets
Down$38,767,544
Down $1,813,607 (-4.5%) from 2023
Liabilities
Down$34,932,038
Down $2,174,870 (-5.9%) from 2023
Net Assets
Up$3,835,506
Up $361,263 (+10%) from 2023
Revenue
Up$1,882,921
Up $295,326 (+19%) from 2023
Expenses
Up$1,931,433
Up $358,993 (+23%) from 2023
Net Income
Down-$48,512
Down $63,667 (-420%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $38,767,544
- Liabilities
- $34,932,038
- Net assets
- $3,835,506
- Revenue
- $1,882,921
- Expenses
- $1,931,433
- Net income
- -$48,512
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Mar 20, 2025
- Return Version
- 2024v5.2
- Gross Receipts
- $1,882,921
Mission and Program Overview
Mission
State chartered credit union mutually owned by our 2,596 members to promote thrift, issue shares and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested.
State chartered credit union mutually owned by our 2,505 members to promote thrift, issue shares and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Program Related | $20,997,013 | $20,395,301 | ▼ $601,712 |
| Other Notes and Loans Receivable, Net | $17,929,031 | $16,995,520 | ▼ $933,511 |
| Rtn Earn Endowment Incm Other Fnds | $3,474,243 | $3,835,506 | ▲ $361,263 |
| Savings and Temporary Cash Investments | $523,504 | $467,445 | ▼ $56,059 |
| Land, Buildings, and Equipment, Net | $416,571 | $362,037 | ▼ $54,534 |
| Cash and Non-Interest-Bearing Accounts | $259,299 | $257,449 | ▼ $1,850 |
| Total Assets | $40,581,151 | $38,767,544 | ▼ $1,813,607 |
| Other Assets Total | $455,733 | $289,792 | ▼ $165,941 |
| Liabilities | |||
| Other Liabilities | $36,898,632 | $34,700,459 | ▼ $2,198,173 |
| Accounts Payable and Accrued Expenses | $208,276 | $231,579 | ▲ $23,303 |
| Total Liabilities | $37,106,908 | $34,932,038 | ▼ $2,174,870 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $3,474,243 | $3,835,506 | ▲ $361,263 |
| Total Liabilities and Net Assets / Fund Balance | $40,581,151 | $38,767,544 | ▼ $1,813,607 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Investment Program Related Org | $3,320 | - | - |
| Buildings | - | $127,138 | - |
| Land | $15,000 | - | - |
| Equipment | $39,803 | $205,551 | - |
| Leasehold Improvements | $307,234 | $386,784 | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Jerry B Trotter | CEO | FT | $105,611 | $105,611 |
Board Members and Trustees
| Name | Title |
|---|---|
| Dale Mcleod | President |
| Sandee Bingham | Vice President |
| Angela Love | Board Member |
| James C Million | Board Member |
| Tyler Holister | Board Member |
| Bryan Betty | Secretary |
| Wendall Boring | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,882,921
- Investment Income
- $0
- Other Revenue
- $0
- Change in Net Assets
- $-48,512
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $1,882,921
- Total Revenue per Audited Statements
- $1,882,921
- Total Revenue per Form 990
- $1,882,921
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $622,767 |
| Salaries, Compensation, and Employee Benefits | $536,813 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Benefits to Members | $771,853 | - | - | $771,853 |
| Other Salaries and Wages | $289,214 | - | - | $289,214 |
| Current Officers, Directors, Trustees, and Key Employees | $105,611 | - | - | $105,611 |
| Other Employee Benefits | $89,445 | - | - | $89,445 |
| All Other Expenses | $80,419 | - | - | $80,419 |
| Occupancy | $53,863 | - | - | $53,863 |
| Other Expenses | $44,752 | - | - | $44,752 |
| Payroll Taxes | $30,342 | - | - | $30,342 |
| Pension Plan Contributions | $22,201 | - | - | $22,201 |
| Travel | $6,922 | - | - | $6,922 |
| Total Functional Expenses | $1,931,433 | $0 | $0 | $1,931,433 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,931,433 |
| Total Expenses per Audited Statements | $1,931,433 |
| Total Expenses per Form 990 | $1,931,433 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Share Certificates | $13,773,503 |
| Regular Shares | $12,553,121 |
| Share Draft Accounts | $6,485,095 |
| Money Market Shares | $1,566,031 |
| Irakeogh Accounts | $318,642 |
| Other Shares | $4,067 |
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
Members or stockholder classes and rights Part VI line 6
“The charter and by-laws call for an annual election of directors by the members. Each member is entitled to one vote irrespective of the number of shares/deposits.”
Member election for additional members Part VI line 7A
“The candidates for director are nominated by a nominating committee appointed by the board of directors. The directors are elected at an annual meeting called for in the by-laws.”
Governing body decisions Part VI line 7B
“The candidates for director are nominated by a nominating committee appointed by the board of directors. The directors are elected at an annual meeting called for in the by-laws.”
Governing body meeting documentation Part VI line 8A
“Under the by-laws, the directors meet monthly to review the operations of the credit union. Their actions are documented in written monthly minutes. The board of directors approve the operating policies that direct management in the day-to-day operations of the credit union. The board of directors appoint committees to oversee specific operations of the credit union including an audit committee, which hires an independent auditor to perform an annual audit of the credit union and a personnel committee which recommends an overall compensation plan for the credit union as a whole. Committee recommendations are voted on/approved by the full board of directors.”
Form 990 governing body review Part VI line 11
“A copy of the form 990 was distributed to all board members. The board members reviewed and approved the tax return prior to filing the form 990.”
Conflict of interest policy compliance Part VI line 12C
“The credit union has a written conflict of interest policy. All officers, directors, and key employees are required to disclose annually any interest that could give rise to conflicts. All material contracts are approved by the board of directors.”
CEO executive director top management comp Part VI line 15A
“The personnel committee recommends compensation for the ceo, management, and staff. The overall compensation plan, including ceo and management compensation, is reviewed/approved by the board of directors. For staff, the ceo and managers complete annual employee evaluations and are authorized to set staff compensation within the range approved by the personnel committee and board of directors.”
Other officer or key employee compensation Part VI line 15B
“The personnel committee recommends compensation for the ceo, management, and staff based on an annual survey of compensation of credit unions of comparable size and job classification and other factors. The overall compensation plan, including ceo and management compensation, is reviewed/approved by the board of directors for staff. The ceo and/or department managers complete annual employee evaluations and are authorized to set staff compensation within the range approved by the personnel committee and board of directors.”
Form 990 availability to public Part VI line 18
“Upon request, copies of the credit unions annual form 990 is provided to any member or non-member that requests a copy.”
Governing documents etc available to public Part VI line 19
“Written copies of polices and procedures are provided to members upon request. Monthly financial reports are posted in the lobby for members review.”
Filing and Contact Details
Filer
- Filer Name
- Epb Employees Credit Union
- EIN
- 62-0538561
- In Care Of
- % JERRY B TROTTER
- Phone
- 4236483413
- Address
- 1500 MCCALLIE AVENUE, CHATTANOOGA, TN 37404
Signing Officer
- Name
- Jerry B Trotter
- Title
- CEO
- Phone
- 4236483413
- Signed
- 2025-03-20
- Discuss with paid preparer
- Yes
Organization Details
- Formed
- 1954
- Legal Domicile
- Tn
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 6
- Volunteers
- 15
Preparer
- Firm
- Peters and Associates
- Address
- 9724 Kingston Pike Suite 405, Knoxville, TN 37922
- Preparer
- Craig Peters
- Phone
- 8656947128
Supplemental Narrative
Additional Explanations
Part XI response or note to any line in Part XI
“Equity acquired in merger with tennessee american water federal credit union.”
Raw XML AppendixShowing 400 of 414 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/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 89445 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROFESSIONAL & OUTSIDE SVC |
| IRS990/OtherExpensesGrp/Desc | 1 | OFFICE OPERATIONS |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 204199 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 119126 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 113486 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 44752 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 204199 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 119126 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 113486 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 44752 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 36898632 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 34700459 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 289214 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 289214 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 17929031 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 16995520 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 30342 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 30342 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 22201 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 22201 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTERST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | INVESTMENT INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1110357 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 661240 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 83192 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 28132 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1110357 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 661240 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 83192 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 28132 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 423229 |
| IRS990/PYOtherExpensesAmt | 0 | 673056 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1587595 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 15155 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 476155 |
| IRS990/PYTotalExpensesAmt | 0 | 1572440 |
| IRS990/PYTotalRevenueAmt | 0 | 1587595 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -48512 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | true |
| IRS990/RevenueAmt | 0 | 1882921 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 3474243 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 3835506 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 523504 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 467445 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 127138 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 127138 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 39803 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 205551 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 245354 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 1931433 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 11104309 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 6705000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 1982055 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 242939 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 4 | 357678 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 5 | 3320 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | AVAILABLETOSALE SECURITIES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | SLS MUTUAL SAVINGS BANK |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | LOANS TOINV IN NATURAL PERSON CUS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 3 | PD IN CAPITAL AT CORPORATE CUS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 4 | NCUSIF DEPOSIT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 5 | MEMBERSHIP CAPITAL AND CORPORATE CU |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 5 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 15000 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 15000 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 307234 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 386784 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 694018 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 6485095 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 12553121 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 1566031 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 13773503 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 318642 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 4067 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE DRAFT ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MONEY MARKET SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | IRAKEOGH ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | OTHER SHARES |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1882921 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 362037 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 20395301 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 1931433 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 34700459 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 1882921 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 1882921 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 1931433 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CHARTER AND BY-LAWS CALL FOR AN ANNUAL ELECTION OF DIRECTORS BY THE MEMBERS. EACH MEMBER IS ENTITLED TO ONE VOTE IRRESPECTIVE OF THE NUMBER OF SHARES/DEPOSITS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CANDIDATES FOR DIRECTOR ARE NOMINATED BY A NOMINATING COMMITTEE APPOINTED BY THE BOARD OF DIRECTORS. THE DIRECTORS ARE ELECTED AT AN ANNUAL MEETING CALLED FOR IN THE BY-LAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CANDIDATES FOR DIRECTOR ARE NOMINATED BY A NOMINATING COMMITTEE APPOINTED BY THE BOARD OF DIRECTORS. THE DIRECTORS ARE ELECTED AT AN ANNUAL MEETING CALLED FOR IN THE BY-LAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | UNDER THE BY-LAWS, THE DIRECTORS MEET MONTHLY TO REVIEW THE OPERATIONS OF THE CREDIT UNION. THEIR ACTIONS ARE DOCUMENTED IN WRITTEN MONTHLY MINUTES. THE BOARD OF DIRECTORS APPROVE THE OPERATING POLICIES THAT DIRECT MANAGEMENT IN THE DAY-TO-DAY OPERATIONS OF THE CREDIT UNION. THE BOARD OF DIRECTORS APPOINT COMMITTEES TO OVERSEE SPECIFIC OPERATIONS OF THE CREDIT UNION INCLUDING AN AUDIT COMMITTEE, WHICH HIRES AN INDEPENDENT AUDITOR TO PERFORM AN ANNUAL AUDIT OF THE CREDIT UNION AND A PERSONNEL COMMITTEE WHICH RECOMMENDS AN OVERALL COMPENSATION PLAN FOR THE CREDIT UNION AS A WHOLE. COMMITTEE RECOMMENDATIONS ARE VOTED ON/APPROVED BY THE FULL BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | A COPY OF THE FORM 990 WAS DISTRIBUTED TO ALL BOARD MEMBERS. THE BOARD MEMBERS REVIEWED AND APPROVED THE TAX RETURN PRIOR TO FILING THE FORM 990. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY. ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANNUALLY ANY INTEREST THAT COULD GIVE RISE TO CONFLICTS. ALL MATERIAL CONTRACTS ARE APPROVED BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE PERSONNEL COMMITTEE RECOMMENDS COMPENSATION FOR THE CEO, MANAGEMENT, AND STAFF. THE OVERALL COMPENSATION PLAN, INCLUDING CEO AND MANAGEMENT COMPENSATION, IS REVIEWED/APPROVED BY THE BOARD OF DIRECTORS. FOR STAFF, THE CEO AND MANAGERS COMPLETE ANNUAL EMPLOYEE EVALUATIONS AND ARE AUTHORIZED TO SET STAFF COMPENSATION WITHIN THE RANGE APPROVED BY THE PERSONNEL COMMITTEE AND BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE PERSONNEL COMMITTEE RECOMMENDS COMPENSATION FOR THE CEO, MANAGEMENT, AND STAFF BASED ON AN ANNUAL SURVEY OF COMPENSATION OF CREDIT UNIONS OF COMPARABLE SIZE AND JOB CLASSIFICATION AND OTHER FACTORS. THE OVERALL COMPENSATION PLAN, INCLUDING CEO AND MANAGEMENT COMPENSATION, IS REVIEWED/APPROVED BY THE BOARD OF DIRECTORS FOR STAFF. THE CEO AND/OR DEPARTMENT MANAGERS COMPLETE ANNUAL EMPLOYEE EVALUATIONS AND ARE AUTHORIZED TO SET STAFF COMPENSATION WITHIN THE RANGE APPROVED BY THE PERSONNEL COMMITTEE AND BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | UPON REQUEST, COPIES OF THE CREDIT UNIONS ANNUAL FORM 990 IS PROVIDED TO ANY MEMBER OR NON-MEMBER THAT REQUESTS A COPY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | WRITTEN COPIES OF POLICES AND PROCEDURES ARE PROVIDED TO MEMBERS UPON REQUEST. MONTHLY FINANCIAL REPORTS ARE POSTED IN THE LOBBY FOR MEMBERS REVIEW. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | EQUITY ACQUIRED IN MERGER WITH TENNESSEE AMERICAN WATER FEDERAL CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Members or stockholder classes and rights Part VI line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Member election for additional members Part VI line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Governing body decisions Part VI line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Governing body meeting documentation Part VI line 8a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990 governing body review Part VI line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Conflict of interest policy compliance Part VI line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | CEO executive director top management comp Part VI line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Other officer or key employee compensation Part VI line 15b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990 availability to public Part VI line 18 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Governing documents etc available to public Part VI line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Part XI response or note to any line in Part XI |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 40581151 |
| IRS990/TotalAssetsEOYAmt | 0 | 38767544 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 40581151 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 38767544 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 6 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 1931433 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1931433 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 37106908 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 34932038 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 37106908 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 34932038 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 3474243 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 3835506 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1931433 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1882921 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 105611 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1882921 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1882921 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 15 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 40581151 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 38767544 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 6922 |
| IRS990/TravelGrp/TotalAmt | 0 | 6922 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.EPBECU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JERRY B TROTTER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4236483413 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-03-20 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | EPB EMPLOYEES CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | EPBE |
| ReturnHeader/Filer/EIN | 0 | 620538561 |
| ReturnHeader/Filer/InCareOfNm | 0 | % JERRY B TROTTER |
| ReturnHeader/Filer/PhoneNum | 0 | 4236483413 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1500 MCCALLIE AVENUE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CHATTANOOGA |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | TN |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 37404 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
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