Liabilities / Assets
44th percentile
Higher debt load relative to assets than 44% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.88x
Liabilities / Revenue
84th percentile
Higher debt load relative to revenue than 84% of similar nonprofits.
Net Margin
24th percentile
Higher net margin than 24% of similar nonprofits.
Top Officer Pay
20th percentile
Higher top officer pay than 20% of similar nonprofits.
Top officer pay equals 7.5% of source-year revenue.
Asset Growth
35th percentile
Faster asset growth than 35% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$29,086,894
Up $67,918 (+0.2%) from 2012
Net Assets
Up$3,625,618
Up $214,256 (+6.3%) from 2012
Liabilities
Down$25,461,276
Down $146,338 (-0.6%) from 2012
Revenue And Expenses
Revenue
$949,654
No earlier filing loaded for comparison.
Expenses
Down$945,864
Down $154,769 (-14%) from 2012
Net Income
$3,790
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- May 15, 2014
- Return Version
- 2013v3.1
- Gross Receipts
- $949,654
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 2,434 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 | $14,027,490 | $14,913,588 | ▲ $886,098 |
| Other Notes and Loans Receivable, Net | $11,171,696 | $9,895,234 | ▼ $1,276,462 |
| Rtn Earn Endowment Incm Other Fnds | $3,411,362 | $3,625,618 | ▲ $214,256 |
| Savings and Temporary Cash Investments | $2,606,023 | $2,618,602 | ▲ $12,579 |
| Cash and Non-Interest-Bearing Accounts | $195,897 | $479,447 | ▲ $283,550 |
| Land, Buildings, and Equipment, Net | $491,329 | $462,207 | ▼ $29,122 |
| Prepaid Expenses and Deferred Charges | $24,643 | $26,825 | ▲ $2,182 |
| Total Assets | $29,018,976 | $29,086,894 | ▲ $67,918 |
| Other Assets Total | $501,898 | $690,991 | ▲ $189,093 |
| Liabilities | |||
| Other Liabilities | $25,281,494 | $25,125,805 | ▼ $155,689 |
| Accounts Payable and Accrued Expenses | $326,120 | $335,471 | ▲ $9,351 |
| Total Liabilities | $25,607,614 | $25,461,276 | ▼ $146,338 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $3,411,362 | $3,625,618 | ▲ $214,256 |
| Total Liabilities and Net Assets / Fund Balance | $29,018,976 | $29,086,894 | ▲ $67,918 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Investment Program Related Org | $225,314 | - | - |
| Buildings | - | $127,138 | - |
| Land | $15,000 | - | - |
| Equipment | $44,057 | $295,285 | - |
| Leasehold Improvements | $403,150 | $186,398 | - |
| Other Assets Org | $647,530 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Nadine Freeman | Manager | FT | $71,533 | $71,533 |
Board Members and Trustees
| Name | Title |
|---|---|
| Mark Fletcher | President |
| Glenn Kennedy | Vice President |
| John Noll | Board Member |
| Lamar Threat | Board Member |
| Monica Middlebrooks | Board Member |
| Sandara Bingham | Secretary |
| Dale Mcleod | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $949,654
- Investment Income
- $0
- Other Revenue
- $0
- Change in Net Assets
- $3,790
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $949,654
- Total Revenue per Audited Statements
- $949,654
- Total Revenue per Form 990
- $949,654
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $443,236 |
| Other Expenses | $387,794 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $240,247 | - | - | $240,247 |
| All Other Expenses | $180,646 | - | - | $180,646 |
| Benefits to Members | $114,834 | - | - | $114,834 |
| Other Employee Benefits | $105,222 | - | - | $105,222 |
| Current Officers, Directors, Trustees, and Key Employees | $71,533 | - | - | $71,533 |
| Occupancy | $45,335 | - | - | $45,335 |
| Other Expenses | $32,356 | - | - | $32,356 |
| Payroll Taxes | $24,951 | - | - | $24,951 |
| Conferences and Meetings | $8,563 | - | - | $8,563 |
| Pension Plan Contributions | $1,283 | - | - | $1,283 |
| Total Functional Expenses | $945,864 | $0 | $0 | $945,864 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $945,864 |
| Total Expenses per Audited Statements | $945,864 |
| Total Expenses per Form 990 | $945,864 |
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
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $8,862,351 |
| Irakeogh Accounts | $7,878,377 |
| Share Certificates | $3,733,041 |
| Share Draft Accounts | $3,108,996 |
| Money Market Shares | $1,420,509 |
| Other Shares | $122,531 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- 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 basedon an annual survey of compensation of credit unions of comparable size and jobclassification 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 toset 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 union's 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
- EIN
- 62-0538561
Signing Officer
- Name
- Nadine Freeman
- Title
- Manager
- Phone
- 4236483413
- Signed
- 2014-05-15
- Discuss with paid preparer
- Yes
Organization Details
- Formed
- 1954
- Legal Domicile
- Tn
- Voting Board Members
- 6
- Independent Board Members
- 6
- Employees
- 8
- Volunteers
- 14
Preparer
- Preparer
- Shari Coulter
- Phone
- 8656947128
Supplemental Narrative
Additional Explanations
Explanation of other changes in net assets or fund balances Part XI line 9
“Year-end auditors aje for pension plan.”
List of other expenses Part IX line 24E
“Expenses for part ix, line 24e include:professional & outside services 138,372member insurance 16,139examination expense 10,452misc operating 15,683”
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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/Form990PartVIISectionAGrp/TitleTxt | 4 | VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | TREASURER |
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| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 9895234 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 24951 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 24951 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 1283 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 1283 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 24643 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 26825 |
| 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/Desc | 4 | NONE |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 684737 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 208782 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 27554 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 28581 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 684737 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 208782 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 27554 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 28581 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 188189 |
| IRS990/PYOtherExpensesAmt | 0 | 466961 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1059707 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -40926 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 445483 |
| IRS990/PYTotalExpensesAmt | 0 | 1100633 |
| IRS990/PYTotalRevenueAmt | 0 | 1059707 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 3790 |
| 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/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 3411362 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 3625618 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2606023 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 2618602 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 127138 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 127138 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 44057 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 295285 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 339342 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 945864 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 2799000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 10482975 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 1194055 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 212244 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 4 | 225314 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | HELD-TO-MATURITY SECURITIES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | S&LS 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/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 15000 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 15000 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 403150 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 186398 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 589548 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 29769 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 13692 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 647530 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | ACCRUED INTEREST ON LOANS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | ACCRUED INTEREST ON INVESTMENTS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | ALL OTHER ASSETS LESS PREPAIDS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 3108996 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 8862351 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 1420509 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 3733041 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 7878377 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 122531 |
| 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 | 949654 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 462207 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 690991 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 14913588 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 945864 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 25125805 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 949654 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 949654 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 945864 |
| 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 BASEDON AN ANNUAL SURVEY OF COMPENSATION OF CREDIT UNIONS OF COMPARABLE SIZE AND JOBCLASSIFICATION 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 TOSET STAFF COMPENSATION WITHIN THE RANGE APPROVED BY THE PERSONNEL COMMITTEE AND BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | UPON REQUEST, COPIES OF THE CREDIT UNION'S 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 | YEAR-END AUDITORS AJE FOR PENSION PLAN. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | EXPENSES FOR PART IX, LINE 24E INCLUDE:PROFESSIONAL & OUTSIDE SERVICES 138,372MEMBER INSURANCE 16,139EXAMINATION EXPENSE 10,452MISC OPERATING 15,683 |
| 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 | Explanation of other changes in net assets or fund balances Part XI line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | List of other expenses Part IX line 24e |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 29018976 |
| IRS990/TotalAssetsEOYAmt | 0 | 29086894 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 29018976 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 29086894 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 8 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 945864 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 945864 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 25607614 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 25461276 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 25607614 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 25461276 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 3411362 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 3625618 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 945864 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 949654 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 71533 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 949654 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 949654 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 14 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 29018976 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 29086894 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 6 |
| IRS990/VotingMembersIndependentCnt | 0 | 6 |
| IRS990/WebsiteAddressTxt | 0 | WWW.EPBECU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | NADINE FREEMAN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | MANAGER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4236483413 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-05-15 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | EPB EMPLOYEES CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | EPBE |
| ReturnHeader/Filer/EIN | 0 | 620538561 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 1500 MCCALLIE AVENUE |
| ReturnHeader/Filer/USAddress/City | 0 | CHATTANOOGA |
| ReturnHeader/Filer/USAddress/State | 0 | TN |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 37404 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 621501873 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | Peters and Associates |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 9050 Executive Park Dr Suite 220A |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | Knoxville |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | TN |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 37923 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 8656947128 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2014-05-09 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Shari Coulter |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $29,086,894
- Liabilities
- $25,461,276
- Net assets
- $3,625,618
- Revenue
- $949,654
- Expenses
- $945,864
- Net income
- $3,790