Civic Intelligence

Bowater Employees Credit Union

EIN 62-0553259 • 501(c)14 • Calhoun, TN

View Organization Page

Profile

State chartered credit union mutually owned by our 19,491 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.

PO Box 359Calhoun, TN 37309-0359

www.bowaterecu.org

Siviq Scores

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

Liabilities / Assets

49th percentile

0.90x

Higher debt load relative to assets than 49% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Liabilities / Revenue

14th percentile

11.88x

Higher debt load relative to revenue than 14% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Net Margin

73rd percentile

15%

Higher net margin than 73% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Top Officer Pay

11th percentile

$272,102

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Asset Growth

14th percentile

-2.6%

Faster asset growth than 14% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Revenue Growth

63rd percentile

16%

Faster revenue growth than 63% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$304,302,659

Up $48,721,951 (+19%) from 2023

Liabilities

Up

$277,643,696

Up $44,738,873 (+19%) from 2023

Net Assets

Up

$26,658,963

Up $3,983,078 (+18%) from 2023

Operations
Liabilities / Revenue14th percentileNet Margin73rd percentile

Revenue

Up

$19,263,873

Up $4,099,810 (+27%) from 2023

Expenses

Up

$15,280,795

Up $3,132,183 (+26%) from 2023

Net Income

Up

$3,983,078

Up $967,627 (+32%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth14th percentile

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

$400M$300M$200M$100M$0Assets 2010: $128,894,294Liabilities 2010: $117,726,717Net Assets 2010: $11,167,5772010Assets 2011: $135,504,916Liabilities 2011: $123,273,466Net Assets 2011: $12,231,4502011Assets 2012: $137,336,671Liabilities 2012: $124,811,100Net Assets 2012: $12,525,5712012Assets 2013: $140,979,369Liabilities 2013: $128,145,731Net Assets 2013: $12,833,6382013Assets 2014: $146,498,461Liabilities 2014: $132,647,057Net Assets 2014: $13,851,4042014Assets 2015: $147,063,671Liabilities 2015: $132,907,655Net Assets 2015: $14,156,0162015Assets 2016: $149,039,378Liabilities 2016: $134,594,091Net Assets 2016: $14,445,2872016Assets 2017: $157,805,356Liabilities 2017: $143,133,956Net Assets 2017: $14,671,4002017Assets 2018: $162,959,666Liabilities 2018: $147,808,867Net Assets 2018: $15,150,7992018Assets 2019: $176,601,323Liabilities 2019: $160,921,729Net Assets 2019: $15,679,5942019Assets 2020: $210,207,588Liabilities 2020: $193,997,850Net Assets 2020: $16,209,7382020Assets 2021: $238,168,632Liabilities 2021: $220,575,951Net Assets 2021: $17,592,6812021Assets 2022: $258,960,499Liabilities 2022: $238,909,479Net Assets 2022: $20,051,0202022Assets 2023: $255,580,708Liabilities 2023: $232,904,823Net Assets 2023: $22,675,8852023Assets 2024: $304,302,659Liabilities 2024: $277,643,696Net Assets 2024: $26,658,9632024

Highlighted filing

2024

Assets$304,302,659
Liabilities$277,643,696
Net Assets$26,658,963
Open 2024 Filing

Operations Trend

Revenue Growth63rd percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $6,540,0812010Expenses 2011: $5,950,1272011Expenses 2012: $5,843,3902012Revenue 2013: $6,063,467Expenses 2013: $5,755,400Net Income 2013: $308,0672013Revenue 2014: $6,979,583Expenses 2014: $5,960,916Net Income 2014: $1,018,6672014Revenue 2015: $6,559,267Expenses 2015: $6,259,279Net Income 2015: $299,9882015Revenue 2016: $6,961,417Expenses 2016: $6,679,815Net Income 2016: $281,6022016Revenue 2017: $7,640,707Expenses 2017: $7,415,354Net Income 2017: $225,3532017Revenue 2018: $8,579,409Expenses 2018: $8,096,978Net Income 2018: $482,4312018Revenue 2019: $9,610,618Expenses 2019: $9,094,961Net Income 2019: $515,6572019Revenue 2020: $9,573,362Expenses 2020: $9,049,400Net Income 2020: $523,9622020Revenue 2021: $9,965,826Expenses 2021: $8,573,725Net Income 2021: $1,392,1012021Revenue 2022: $12,161,157Expenses 2022: $9,674,319Net Income 2022: $2,486,8382022Revenue 2023: $15,164,063Expenses 2023: $12,148,612Net Income 2023: $3,015,4512023Revenue 2024: $19,263,873Expenses 2024: $15,280,795Net Income 2024: $3,983,0782024

Highlighted filing

2024

Revenue$19,263,873
Expenses$15,280,795
Net Income$3,983,078
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$304,302,659
Liabilities
$277,643,696
Net assets
$26,658,963
Revenue
$19,263,873
Expenses
$15,280,795
Net income
$3,983,078
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$304$278$26.7$19.3$15.3$3.98
2023Detailed filing. Detailed filing data is available for this year.$256$233$22.7$15.2$12.1$3.02
2022Detailed filing. Detailed filing data is available for this year.$259$239$20.1$12.2$9.67$2.49
2021Detailed filing. Detailed filing data is available for this year.$238$221$17.6$9.97$8.57$1.39
2020Detailed filing. Detailed filing data is available for this year.$210$194$16.2$9.57$9.05$0.52
2019Detailed filing. Detailed filing data is available for this year.$177$161$15.7$9.61$9.09$0.52
2018Detailed filing. Detailed filing data is available for this year.$163$148$15.2$8.58$8.10$0.48
2017Detailed filing. Detailed filing data is available for this year.$158$143$14.7$7.64$7.42$0.23
2016Detailed filing. Detailed filing data is available for this year.$149$135$14.4$6.96$6.68$0.28
2015Detailed filing. Detailed filing data is available for this year.$147$133$14.2$6.56$6.26$0.30
2014Detailed filing. Detailed filing data is available for this year.$146$133$13.9$6.98$5.96$1.02
2013Detailed filing. Detailed filing data is available for this year.$141$128$12.8$6.06$5.76$0.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$137$125$12.5$5.84
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$136$123$12.2$5.95
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$129$118$11.2$6.54
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 11, 2025
Return Version
2024v5.1
Gross Receipts
$19,263,873
Mission and Program Overview

Mission

State chartered credit union mutually owned by our 20,680 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 20,196 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
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$181,180,087$188,428,368▲ $7,248,281
Savings and Temporary Cash Investments$10,988,262$64,044,029▲ $53,055,767
Investments Program Related$45,773,796$34,884,934▼ $10,888,862
Rtn Earn Endowment Incm Other Fnds$22,675,885$26,658,963▲ $3,983,078
Land, Buildings, and Equipment, Net$5,972,323$6,050,181▲ $77,858
Cash and Non-Interest-Bearing Accounts$4,525,012$5,079,372▲ $554,360
Prepaid Expenses and Deferred Charges$304,887$310,226▲ $5,339
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$255,580,708$304,302,659▲ $48,721,951
Other Assets Total$6,836,341$5,505,549▼ $1,330,792
Liabilities
Other Liabilities$228,640,641$274,586,101▲ $45,945,460
Accounts Payable and Accrued Expenses$4,264,182$3,057,595▼ $1,206,587
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$232,904,823$277,643,696▲ $44,738,873
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,675,885$26,658,963▲ $3,983,078
Total Liabilities and Net Assets / Fund Balance$255,580,708$304,302,659▲ $48,721,951

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$2,272,015--
Buildings$3,585,413$1,709,430-
Land$1,474,387--
Equipment$828,437$2,209,323-
Leasehold Improvements$161,944$47,704-
Other Assets Org$3,242,002--
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Matthew HoldenCEOFT$199,168$65,254$264,422
Jamie CreekmoreTreasurer-$5,782-$5,782
Todd HarrisDirector-$3,974-$3,974

Board Members and Trustees

NameTitle
David LattimoreChairman
Travis GilesVice Chairperson
Clara Pat BurgerDirector
Thomas J ElliottDirector
Jean Ann ToomeySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,263,873
Investment Income
$0
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$3,983,078

Audited Revenue Reconciliation

Revenue per Audited Statements
$19,263,873
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$19,263,873
Total Revenue per Form 990
$19,263,873
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,987,463
Salaries, Compensation, and Employee Benefits$4,818,150
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$4,475,182--$4,475,182
Other Salaries and Wages$3,240,351$0$0$3,240,351
Other Expenses$2,886,180$0$0$2,886,180
All Other Expenses$1,044,769$0$0$1,044,769
Other Employee Benefits$778,868$0$0$778,868
Pension Plan Contributions$317,372$0$0$317,372
Occupancy$290,088$0$0$290,088
Payroll Taxes$258,505$0$0$258,505
Current Officers, Directors, Trustees, and Key Employees$223,054$0$0$223,054
Conferences and Meetings$111,751$0$0$111,751
Total Functional Expenses$15,280,795$0$0$15,280,795

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,280,795
Total Expenses per Audited Statements$15,280,795
Total Expenses per Form 990$15,280,795
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
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Lobbying activity
No
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$1,000
Section 527 Activity Spending$0
Total Exempt Function Spending$0
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Certificates$95,226,343
Regular Shares$83,144,882
Share Drafts$47,791,940
Ira Keogh Accounts$24,910,472
Money Market Shares$18,911,451
All Other Shares$4,601,013
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
No
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“A state chartered credit union is governed by its charter and bylaws. The charter and bylaws call for an annual election of directors by the members.”

Part VI, Line 7A

“The charter and bylaws call for an annual election of directors by the members. Each member is entitled to one vote irrespective of the number of shares deposits. 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 bylaws.”

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.”

Part VI, Line 15

“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 classifications 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 an annual employee evaluations and are authorized to set staff compensation within the range approved by the personnel committee and board of directors.”

Part VI, Line 19

“Written copies of the credit unions bylaws are provided to members upon request. Financial reports are posted in the lobby for members review. Upon request a copy of the credit unions annual form 990 is provided to any member or non-member that requests a copy.”

Part VIII Line 2

“| Explanation:| LOSS ON DISPOSITION OF ASSETS”

Filing and Contact Details

Filer

Filer Name
Bowater Employees Credit Union
EIN
62-0553259
In Care Of
% Matthew Holden
Phone
4233367268
Address
PO BOX 359, CALHOUN, TN 37309-0359

Signing Officer

Name
LaKota Pierce
Title
Chief Financial Officer
Signed
2025-04-11

Organization Details

Formed
1954
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
77
Volunteers
10
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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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