Civic Intelligence

Collegedale Credit Union

EIN 62-0577184 • 501(c)14 • Collegedale, TN

View Organization Page

Profile

To provide personal financial services of a superior quality and be the most preferred and trusted financial institution in the collegedale/chattanooga area.

PO Box 2098Collegedale, TN 37315

n/A

Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

53rd percentile

18.02x

Higher debt load relative to revenue than 53% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

56th percentile

12%

Higher net margin than 56% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

10th percentile

-7.5%

Faster asset growth than 10% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

32nd percentile

2.8%

Faster revenue growth than 32% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets76th percentile

Assets

Down

$41,505,421

Down $3,368,871 (-7.5%) from 2023

Liabilities

Down

$37,755,389

Down $3,615,610 (-8.7%) from 2023

Net Assets

Up

$3,750,032

Up $246,739 (+7.0%) from 2023

Operations
Liabilities / Revenue53rd percentileNet Margin56th percentile

Revenue

Up

$2,095,634

Up $57,487 (+2.8%) from 2023

Expenses

Down

$1,848,895

Down $76,996 (-4.0%) from 2023

Net Income

Up

$246,739

Up $134,483 (+120%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth10th percentile

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

$60M$40M$20M$0Assets 2010: $33,639,771Liabilities 2010: $30,287,950Net Assets 2010: $3,351,8212010Assets 2011: $37,606,937Liabilities 2011: $34,172,583Net Assets 2011: $3,434,3542011Assets 2012: $34,875,225Liabilities 2012: $31,355,686Net Assets 2012: $3,519,5392012Assets 2013: $40,077,546Liabilities 2013: $36,492,177Net Assets 2013: $3,585,3692013Assets 2014: $37,769,625Liabilities 2014: $34,134,134Net Assets 2014: $3,635,4912014Assets 2015: $41,215,231Liabilities 2015: $37,558,555Net Assets 2015: $3,656,6762015Assets 2016: $43,620,708Liabilities 2016: $40,018,636Net Assets 2016: $3,602,0722016Assets 2017: $44,135,553Liabilities 2017: $40,471,803Net Assets 2017: $3,663,7502017Assets 2018: $45,657,970Liabilities 2018: $41,859,147Net Assets 2018: $3,798,8232018Assets 2019: $42,881,064Liabilities 2019: $39,064,530Net Assets 2019: $3,816,5342019Assets 2020: $50,951,849Liabilities 2020: $47,256,601Net Assets 2020: $3,695,2482020Assets 2021: $51,675,417Liabilities 2021: $48,027,575Net Assets 2021: $3,647,8422021Assets 2022: $47,522,225Liabilities 2022: $44,060,425Net Assets 2022: $3,461,8002022Assets 2023: $44,874,292Liabilities 2023: $41,370,999Net Assets 2023: $3,503,2932023Assets 2024: $41,505,421Liabilities 2024: $37,755,389Net Assets 2024: $3,750,0322024

Highlighted filing

2024

Assets$41,505,421
Liabilities$37,755,389
Net Assets$3,750,032
Open 2024 Filing

Operations Trend

Revenue Growth32nd percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,748,6592010Expenses 2011: $1,622,2032011Expenses 2012: $1,606,2082012Revenue 2013: $1,612,635Expenses 2013: $1,546,805Net Income 2013: $65,8302013Revenue 2014: $1,601,256Expenses 2014: $1,551,134Net Income 2014: $50,1222014Revenue 2015: $1,540,744Expenses 2015: $1,519,559Net Income 2015: $21,1852015Revenue 2016: $1,580,185Expenses 2016: $1,634,789Net Income 2016: -$54,6042016Revenue 2017: $1,681,538Expenses 2017: $1,619,860Net Income 2017: $61,6782017Revenue 2018: $1,890,125Expenses 2018: $1,755,052Net Income 2018: $135,0732018Revenue 2019: $1,899,836Expenses 2019: $1,882,126Net Income 2019: $17,7102019Revenue 2020: $1,779,234Expenses 2020: $1,900,519Net Income 2020: -$121,2852020Revenue 2021: $1,737,096Expenses 2021: $1,784,503Net Income 2021: -$47,4072021Revenue 2022: $1,803,539Expenses 2022: $1,989,580Net Income 2022: -$186,0412022Revenue 2023: $2,038,147Expenses 2023: $1,925,891Net Income 2023: $112,2562023Revenue 2024: $2,095,634Expenses 2024: $1,848,895Net Income 2024: $246,7392024

Highlighted filing

2024

Revenue$2,095,634
Expenses$1,848,895
Net Income$246,739
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$41,505,421
Liabilities
$37,755,389
Net assets
$3,750,032
Revenue
$2,095,634
Expenses
$1,848,895
Net income
$246,739
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$41.5$37.8$3.75$2.10$1.85$0.25
2023Detailed filing. Detailed filing data is available for this year.$44.9$41.4$3.50$2.04$1.93$0.11
2022Detailed filing. Detailed filing data is available for this year.$47.5$44.1$3.46$1.80$1.99$0.19
2021Detailed filing. Detailed filing data is available for this year.$51.7$48.0$3.65$1.74$1.78$0.05
2020Detailed filing. Detailed filing data is available for this year.$51.0$47.3$3.70$1.78$1.90$0.12
2019Detailed filing. Detailed filing data is available for this year.$42.9$39.1$3.82$1.90$1.88$0.02
2018Detailed filing. Detailed filing data is available for this year.$45.7$41.9$3.80$1.89$1.76$0.14
2017Summary only. Only limited summary data is available for this year.$44.1$40.5$3.66$1.68$1.62$0.06
2016Detailed filing. Detailed filing data is available for this year.$43.6$40.0$3.60$1.58$1.63$0.05
2015Detailed filing. Detailed filing data is available for this year.$41.2$37.6$3.66$1.54$1.52$0.02
2014Detailed filing. Detailed filing data is available for this year.$37.8$34.1$3.64$1.60$1.55$0.05
2013Detailed filing. Detailed filing data is available for this year.$40.1$36.5$3.59$1.61$1.55$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.9$31.4$3.52$1.61
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.6$34.2$3.43$1.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.6$30.3$3.35$1.75
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 9, 2025
Return Version
2024v5.1
Gross Receipts
$2,095,634
Mission and Program Overview

Mission

Financial Services

To provide personal financial services of a superior quality and be the most preferred and trusted financial institution in the collegedale/chattanooga area.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$23,201,400$24,560,571▲ $1,359,171
Savings and Temporary Cash Investments$17,194,926$7,719,082▼ $9,475,844
Investments Other Securities-$6,459,372-
Rtn Earn Endowment Incm Other Fnds$3,503,293$3,750,032▲ $246,739
Investments in Publicly Traded Securities-$998,403-
Land, Buildings, and Equipment, Net$611,865$617,702▲ $5,837
Cash and Non-Interest-Bearing Accounts$3,096,378$409,959▼ $2,686,419
Prepaid Expenses and Deferred Charges$73,505$58,432▼ $15,073
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$44,874,292$41,505,421▼ $3,368,871
Other Assets Total$696,218$681,900▼ $14,318
Liabilities
Other Liabilities$41,150,374$37,563,456▼ $3,586,918
Accounts Payable and Accrued Expenses$220,625$191,933▼ $28,692
Total Liabilities$41,370,999$37,755,389▼ $3,615,610
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,503,293$3,750,032▲ $246,739
Total Liabilities and Net Assets / Fund Balance$44,874,292$41,505,421▼ $3,368,871

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$114,723$492,863$607,586
Land$451,189-$451,189
Equipment$51,790$55,109$106,899
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
David RuhlingChairman
Canute BirchDirector
Debbie CollinsDirector
Gary EdgmonDirector
John BeckettDirector
Paul SmithDirector
Steve MillerDirector
Joy TraxlerCEO
Olson PerrySecretary
Mark HyderTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservProcessor--
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,536,809
Investment Income
$549,518
Other Revenue
$9,307
Change in Net Assets
$246,739
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,131,087
Salaries, Compensation, and Employee Benefits$717,808
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$717,808
Office Expenses---$663,329
Interest---$110,416
Occupancy---$86,392
Advertising---$40,431
Insurance---$27,492
Other Expenses---$14,618
All Other Expenses---$8,175
Travel---$5,375
Total Functional Expenses$0$0$0$1,848,895
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$37,563,456
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
No
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
No
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 7A

“Members vote on bylaws and charter changes. Members vote and elect board members at annual meeting.”

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

“Section 501c 14 credit union is composed of members. Mergers are voted on by entire membership.”

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

“Management reviews tax returns and forwards form 8879-te to tax preparer. Board of directors reviews filed tax return at next scheduled meeting.”

Form 990, Part VI, Section C, Line 19

“Credit union bylaws and financial statments are available upon request at the credit union office. Quarterly financial performance form 5300 call report are available at ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Collegedale Credit Union
EIN
62-0577184
Phone
4233962101
Address
PO Box 2098, Collegedale, TN 37315

Signing Officer

Name
Joy Traxler
Title
CEO
Signed
2025-06-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joy Traxler
Formed
1952
Legal Domicile
Tn
Voting Board Members
9
Independent Board Members
9
Employees
18
Volunteers
8

Preparer

Firm
Financial Standards Group Inc
Address
6447 W HIGHWAY 146, CRESTWOOD, KY 40014
Preparer
Thomas Cvinar
Phone
8005225820
Raw XML Appendix381 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0220625
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0191933
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE PERSONAL FINANCIAL SERVICES OF A SUPERIOR QUALITY AND BE THE MOST PREFERRED AND TRUSTED FINANCIAL INSTITUTION IN THE COLLEGEDALE/CHATTANOOGA AREA.
IRS990/AdvertisingGrp/TotalAmt040431
IRS990/AllOtherExpensesGrp/TotalAmt08175
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0JOY TRAXLER
IRS990/BooksInCareOfDetail/PhoneNum04233962101
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 2098
IRS990/BooksInCareOfDetail/USAddress/CityNm0Collegedale
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037315
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt03096378
IRS990/CashNonInterestBearingGrp/EOYAmt0409959
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FISERV
IRS990/ContractorCompensationGrp/ServicesDesc0Processor
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0549518
IRS990/CYOtherExpensesAmt01131087
IRS990/CYOtherRevenueAmt09307
IRS990/CYProgramServiceRevenueAmt01536809
IRS990/CYRevenuesLessExpensesAmt0246739
IRS990/CYSalariesCompEmpBnftPaidAmt0717808
IRS990/CYTotalExpensesAmt01848895
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02095634
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0THE CREDIT UNION PROVIDES SEVERAL DEPOSIT TYPES TO MEMBERS INCLUDING CHECKING, SAVINGS, CERTIFICATES AND OTHER. THE TOTAL NUMBER OF MEMBERS AT 12/31/24 WAS 4,552.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt018
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0David Ruhling
IRS990/Form990PartVIISectionAGrp/PersonNm1John Beckett
IRS990/Form990PartVIISectionAGrp/PersonNm2Olson Perry
IRS990/Form990PartVIISectionAGrp/PersonNm3Paul Smith
IRS990/Form990PartVIISectionAGrp/PersonNm4Debbie Collins
IRS990/Form990PartVIISectionAGrp/PersonNm5Gary Edgmon
IRS990/Form990PartVIISectionAGrp/PersonNm6Mark Hyder
IRS990/Form990PartVIISectionAGrp/PersonNm7Canute Birch
IRS990/Form990PartVIISectionAGrp/PersonNm8STEVE MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm9Joy Traxler
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02095634
IRS990/GrossSalesOfInventoryAmt09307
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt027492
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0110416
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0549518
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0549518
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt06459372
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0998403
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0547972
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0611865
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0617702
IRS990/LandBldgEquipCostOrOtherBssAmt01165674
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE PERSONAL FINANCIAL SERVICES OF A SUPERIOR QUALITY AND BE THE MOST PREFERRED AND TRUSTED FINANCIAL INSTITUTION IN THE COLLEGEDALE/CHATTANOOGA AREA.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03503293
IRS990/NetAssetsOrFundBalancesEOYAmt03750032
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt09307
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt09307
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt086392
IRS990/OfficeExpensesGrp/TotalAmt0663329
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0696218
IRS990/OtherAssetsTotalGrp/EOYAmt0681900
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0MISC Operating
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc2Operating Fees
IRS990/OtherExpensesGrp/Desc3Professional, Outside Services
IRS990/OtherExpensesGrp/TotalAmt075927
IRS990/OtherExpensesGrp/TotalAmt162388
IRS990/OtherExpensesGrp/TotalAmt236544
IRS990/OtherExpensesGrp/TotalAmt314618
IRS990/OtherLiabilitiesGrp/BOYAmt041150374
IRS990/OtherLiabilitiesGrp/EOYAmt037563456
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0INSURANCE REVENUES
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0717808
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt023201400
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt024560571
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt073505
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt058432
IRS990/PrincipalOfficerNm0JOY TRAXLER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Fee and Other Income
IRS990/ProgramServiceRevenueGrp/Desc1Loan Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0271807
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11265002
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0271807
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11265002
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS INCLUDING REAL ESTATE, CREDIT CARD, VEHICLE AND OTHER. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/24 WAS 4,700, WHICH INCLUDES PARTICIPATION LOANS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0555392
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01208915
IRS990/PYOtherRevenueAmt05961
IRS990/PYProgramServiceRevenueAmt01476794
IRS990/PYRevenuesLessExpensesAmt0112256
IRS990/PYSalariesCompEmpBnftPaidAmt0716976
IRS990/PYTotalExpensesAmt01925891
IRS990/PYTotalRevenueAmt02038147
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0246739
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03503293
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03750032
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017194926
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07719082
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt051790
IRS990ScheduleD/EquipmentGrp/DepreciationAmt055109
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0106899
IRS990ScheduleD/LandGrp/BookValueAmt0451189
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0451189
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0114723
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0492863
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0607586
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt037563456
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0617702
IRS990ScheduleD/TotalBookValueSecuritiesAmt06459372
IRS990ScheduleD/TotalLiabilityAmt037563456
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS VOTE ON BYLAWS AND CHARTER CHANGES. MEMBERS VOTE AND ELECT BOARD MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SECTION 501C 14 CREDIT UNION IS COMPOSED OF MEMBERS. MERGERS ARE VOTED ON BY ENTIRE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MANAGEMENT REVIEWS TAX RETURNS AND FORWARDS FORM 8879-TE TO TAX PREPARER. BOARD OF DIRECTORS REVIEWS FILED TAX RETURN AT NEXT SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CREDIT UNION BYLAWS AND FINANCIAL STATMENTS ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION OFFICE. QUARTERLY FINANCIAL PERFORMANCE FORM 5300 CALL REPORT ARE AVAILABLE AT NCUA.GOV FOR ALL FEDERALLY INSURED CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt044874292
IRS990/TotalAssetsEOYAmt041505421
IRS990/TotalAssetsGrp/BOYAmt044874292
IRS990/TotalAssetsGrp/EOYAmt041505421
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01848895
IRS990/TotalGrossUBIAmt09307
IRS990/TotalLiabilitiesBOYAmt041370999
IRS990/TotalLiabilitiesEOYAmt037755389
IRS990/TotalLiabilitiesGrp/BOYAmt041370999
IRS990/TotalLiabilitiesGrp/EOYAmt037755389
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03503293
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03750032
IRS990/TotalProgramServiceRevenueAmt01536809
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02086327
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02095634
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt09307
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt044874292
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt041505421
IRS990/TravelGrp/TotalAmt05375
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOY TRAXLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COLLEGEDALE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COLL
ReturnHeader/Filer/EIN0620577184
ReturnHeader/Filer/PhoneNum04233962101
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 2098
ReturnHeader/Filer/USAddress/CityNm0Collegedale
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037315
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0650152722
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06447 W HIGHWAY 146
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CRESTWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040014
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Thomas Cvinar
ReturnHeader/ReturnTs02025-06-09T07:18:04-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.