Civic Intelligence

Northeast Community Credit Union

990 • Fiscal year 2013 • EIN 62-0676416

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 23, 2014

Organization Profilewww.BeMyCU.org

View Organization Page

980 Jason Witten Way37643

(423) 547-1200

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

31st percentile

0.88x

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

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

50th percentile

18.56x

Higher debt load relative to revenue than 50% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

96th percentile

27%

Higher net margin than 96% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

90th percentile

$201,281

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 4.3% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

97th percentile

14%

Faster asset growth than 97% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$99,479,101

Up $12,559,831 (+14%) from 2012

Net Assets

Up

$12,257,992

Up $1,248,051 (+11%) from 2012

Liabilities

Up

$87,221,109

Up $11,311,780 (+15%) from 2012

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin96th percentile

Revenue

$4,699,623

No earlier filing loaded for comparison.

Expenses

Up

$3,451,572

Up $386,948 (+13%) from 2012

Net Income

$1,248,051

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200M$150M$100M$50M$0Assets 2010: $68,175,271Liabilities 2010: $59,691,184Net Assets 2010: $8,484,0872010Assets 2011: $73,388,972Liabilities 2011: $63,841,049Net Assets 2011: $9,547,9232011Assets 2012: $86,919,270Liabilities 2012: $75,909,329Net Assets 2012: $11,009,9412012Assets 2013: $99,479,101Liabilities 2013: $87,221,109Net Assets 2013: $12,257,9922013Assets 2014: $103,958,345Liabilities 2014: $90,428,360Net Assets 2014: $13,529,9852014Assets 2015: $108,713,360Liabilities 2015: $93,854,434Net Assets 2015: $14,858,9262015Assets 2016: $114,208,091Liabilities 2016: $97,783,875Net Assets 2016: $16,424,2162016Assets 2017: $115,402,454Liabilities 2017: $97,495,899Net Assets 2017: $17,906,5552017Assets 2018: $115,643,337Liabilities 2018: $96,312,951Net Assets 2018: $19,330,3862018Assets 2019: $121,166,084Liabilities 2019: $100,460,919Net Assets 2019: $20,705,1652019Assets 2020: $155,727,860Liabilities 2020: $133,927,011Net Assets 2020: $21,800,8492020Assets 2021: $179,401,948Liabilities 2021: $156,908,583Net Assets 2021: $22,493,3652021Assets 2022: $182,357,062Liabilities 2022: $161,346,944Net Assets 2022: $21,010,1182022Assets 2023: $178,044,513Liabilities 2023: $153,398,290Net Assets 2023: $24,646,2232023

Highlighted filing

2013

Assets$99,479,101
Liabilities$87,221,109
Net Assets$12,257,992
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0Expenses 2010: $3,188,6392010Expenses 2011: $3,283,6162011Expenses 2012: $3,064,6242012Revenue 2013: $4,699,623Expenses 2013: $3,451,572Net Income 2013: $1,248,0512013Revenue 2014: $4,837,222Expenses 2014: $3,565,230Net Income 2014: $1,271,9922014Revenue 2015: $4,938,417Expenses 2015: $3,609,476Net Income 2015: $1,328,9412015Revenue 2016: $5,261,531Expenses 2016: $3,685,888Net Income 2016: $1,575,6432016Revenue 2017: $5,292,696Expenses 2017: $3,766,538Net Income 2017: $1,526,1582017Revenue 2018: $5,369,526Expenses 2018: $3,916,045Net Income 2018: $1,453,4812018Revenue 2019: $5,458,967Expenses 2019: $4,190,719Net Income 2019: $1,268,2482019Revenue 2020: $5,442,641Expenses 2020: $4,361,552Net Income 2020: $1,081,0892020Revenue 2021: $5,107,735Expenses 2021: $4,095,369Net Income 2021: $1,012,3662021Revenue 2022: $6,535,819Expenses 2022: $5,480,680Net Income 2022: $1,055,1392022Revenue 2023: $8,780,666Expenses 2023: $6,172,043Net Income 2023: $2,608,6232023

Highlighted filing

2013

Revenue$4,699,623
Expenses$3,451,572
Net Income$1,248,051
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 23, 2014
Return Version
2013v3.0
Gross Receipts
$4,699,623
Mission and Program Overview

Mission

Credit union - to provide services for approximately 12,507 members in the form of loans, savings, and other financial services.

To provide low-cost financial products and services such as loans, savings and checking accounts to approximately 9700 members having a common association

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$72,588,246$82,469,403▲ $9,881,157
Cap Stk Tr Prin Current Funds$11,009,941$12,257,992▲ $1,248,051
Savings and Temporary Cash Investments$8,178,288$9,955,252▲ $1,776,964
Land, Buildings, and Equipment, Net$3,917,800$4,434,203▲ $516,403
Cash and Non-Interest-Bearing Accounts$1,246,662$1,679,664▲ $433,002
Prepaid Expenses and Deferred Charges$77,835$56,843▼ $20,992
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Total Assets$86,919,270$99,479,101▲ $12,559,831
Other Assets Total$910,439$883,736▼ $26,703
Liabilities
Other Liabilities$75,116,090$86,355,026▲ $11,238,936
Accounts Payable and Accrued Expenses$793,239$866,083▲ $72,844
Total Liabilities$75,909,329$87,221,109▲ $11,311,780
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,009,941$12,257,992▲ $1,248,051
Total Liabilities and Net Assets / Fund Balance$86,919,270$99,479,101▲ $12,559,831

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,410,155$530,227$2,940,382
Land$1,791,904-$1,791,904
Equipment$232,144$940,057$1,172,201
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kathy CampbellPresident/CEOFT$172,213$29,068$201,281

Board Members and Trustees

NameTitle
William ArmstrongChairman
Brent DuggerDirector
Dennis WilsonDirector
Dicky ClarkDirector
Joann CampbellDirector
Kay ArnoldDirector
Raymond HillDirector
Vickey BroylesDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,568,050
Investment Income
$47,224
Other Revenue
$84,349
Change in Net Assets
$1,248,051

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,699,623
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$4,699,623
Total Revenue per Form 990
$4,699,623
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,938,701
Other Expenses$1,512,871
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,164,581
Interest---$445,369
Other Employee Benefits---$376,971
Current Officers, Directors, Trustees, and Key Employees---$207,918
Occupancy---$199,017
Office Expenses---$177,634
Information Technology---$147,553
Depreciation Depletion---$145,749
Pension Plan Contributions---$94,623
Payroll Taxes---$94,608
Advertising---$85,033
Insurance---$23,977
Conferences and Meetings---$15,181
Payments to Affiliates---$14,111
Other Expenses---$6,110
Travel---$5,178
Total Functional Expenses$0$0$0$3,451,572

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,451,572
Total Expenses per Audited Statements$3,451,572
Total Expenses per Form 990$3,451,572
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits of All Members$86,355,026
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“We are a cooperative organization comprised of approximately 9700 having a common association.”

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

“Meetings are held annually and as needed to allow the membership to elect officers of the board of directors.”

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

“Decisions to expel members would require the approval of the membership. Membership meetings are held annually, and can also be called as needed.”

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

“Official board is given the return for review. Review is done by board members with an opportunity for group discussion at the meeting.”

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

“Annual Conflict of Interest/Code of Ethics policy review, with acknowledgement and disclosure forms signed by board; a record of this is included in board minutes.”

Form 990, Part VI, Section B, Line 15

“CUNA's industry comparative data (published annually by each state's credit union league) is used.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy/information, and financial statements are available in paper form upon request. Financial statements are posted as required.”

Filing and Contact Details

Filer

EIN
62-0676416
Phone
4235471200

Signing Officer

Name
Teresa Arnold
Title
CFO
Phone
4235471200
Signed
2014-04-23

Organization Details

Principal Officer
Kathy Campbell
Formed
1952
Legal Domicile
Tn
Voting Board Members
9
Independent Board Members
8
Employees
48
Volunteers
8
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2

“Shares and deposits of members consisting of savings accounts, checking accounts, certificates of deposit, and IRAs $86,355,026.”

Raw XML AppendixShowing 400 of 445 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/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0793239
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0866083
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To provide low-cost financial products and services such as loans, savings and checking accounts to approximately 9700 members having a common association
IRS990/AdvertisingGrp/TotalAmt085033
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0Teresa Arnold
IRS990/BooksInCareOfDetail/PhoneNum04235471230
IRS990/BooksInCareOfDetail/USAddress/AddressLine10980 Jason Witten Way
IRS990/BooksInCareOfDetail/USAddress/City0Elizabethton
IRS990/BooksInCareOfDetail/USAddress/State0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCode037643
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt011009941
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt012257992
IRS990/CashNonInterestBearingGrp/BOYAmt01246662
IRS990/CashNonInterestBearingGrp/EOYAmt01679664
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0207918
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt015181
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt047224
IRS990/CYOtherExpensesAmt01512871
IRS990/CYOtherRevenueAmt084349
IRS990/CYProgramServiceRevenueAmt04568050
IRS990/CYRevenuesLessExpensesAmt01248051
IRS990/CYSalariesCompEmpBnftPaidAmt01938701
IRS990/CYTotalExpensesAmt03451572
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04699623
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0145749
IRS990/Desc0As a not-for--profit cooperative organization, we service loans for approximately 2900 borrowers.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt048
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
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/OtherCompensationAmt729068
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0Dicky Clark
IRS990/Form990PartVIISectionAGrp/PersonNm1Joann Campbell
IRS990/Form990PartVIISectionAGrp/PersonNm2Kay Arnold
IRS990/Form990PartVIISectionAGrp/PersonNm3Raymond Hill
IRS990/Form990PartVIISectionAGrp/PersonNm4Vickey Broyles
IRS990/Form990PartVIISectionAGrp/PersonNm5William Armstrong
IRS990/Form990PartVIISectionAGrp/PersonNm6Brent Dugger
IRS990/Form990PartVIISectionAGrp/PersonNm7Kathy Campbell
IRS990/Form990PartVIISectionAGrp/PersonNm8Dennis Wilson
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7172213
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
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/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt04699623
IRS990/GroupExemptionNum01182
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0147553
IRS990/InsuranceGrp/TotalAmt023977
IRS990/InterestGrp/TotalAmt0445369
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt047224
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt047224
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt02843
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01470284
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03917800
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04434203
IRS990/LandBldgEquipCostOrOtherBssAmt05904487
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0To provide low-cost financial products and service such as savings accounts, checking accounts, and loans to our 9700 members.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011009941
IRS990/NetAssetsOrFundBalancesEOYAmt012257992
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0199017
IRS990/OfficeExpensesGrp/TotalAmt0177634
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0910439
IRS990/OtherAssetsTotalGrp/EOYAmt0883736
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0376971
IRS990/OtherExpensesGrp/Desc0Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc1NCUSIF Capitalization Exp & Mbrs Insurance
IRS990/OtherExpensesGrp/Desc2Provision for Loss Accounts
IRS990/OtherExpensesGrp/Desc3Miscellaneous Expenses
IRS990/OtherExpensesGrp/TotalAmt040484
IRS990/OtherExpensesGrp/TotalAmt1100475
IRS990/OtherExpensesGrp/TotalAmt2107000
IRS990/OtherExpensesGrp/TotalAmt36110
IRS990/OtherLiabilitiesGrp/BOYAmt075116090
IRS990/OtherLiabilitiesGrp/EOYAmt086355026
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0Expense Reimbursement
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt084349
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt084349
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt084349
IRS990/OtherSalariesAndWagesGrp/TotalAmt01164581
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt072588246
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt082469403
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt014111
IRS990/PayrollTaxesGrp/TotalAmt094608
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt094623
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt077835
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt056843
IRS990/PrincipalOfficerNm0Kathy Campbell
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans to Members
IRS990/ProgramServiceRevenueGrp/Desc1Fees for Services Provided
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03805046
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1763004
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03805046
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1763004
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0As a not-for-profit cooperative organization, we provide checking account services for approximately 5300 members.
IRS990/ProgSrvcAccomActy3Grp/Desc0As a not-for-profit cooperative organization, we maintain savings accounts for approximately 9700 members.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt075378
IRS990/PYOtherExpensesAmt01359312
IRS990/PYOtherRevenueAmt090612
IRS990/PYProgramServiceRevenueAmt04360652
IRS990/PYRevenuesLessExpensesAmt01462018
IRS990/PYSalariesCompEmpBnftPaidAmt01705312
IRS990/PYTotalExpensesAmt03064624
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04526642
IRS990/ReconcilationRevenueExpnssAmt01248051
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08178288
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09955252
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02410155
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0530227
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02940382
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0232144
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0940057
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01172201
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03451572
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt01791904
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01791904
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt086355026
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares and Deposits of All Members
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt04699623
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Shares and deposits of members consisting of savings accounts, checking accounts, certificates of deposit, and IRAs $86,355,026.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04434203
IRS990ScheduleD/TotalExpensesPerForm990Amt03451572
IRS990ScheduleD/TotalLiabilityAmt086355026
IRS990ScheduleD/TotalRevenuePerForm990Amt04699623
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04699623
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03451572
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0172213
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt029068
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Kathy Campbell
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0201281
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CUNA's industry comparative data (published annually by each state's credit union league) is used, approved by the board of directors.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule J, Part I, Line 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We are a cooperative organization comprised of approximately 9700 having a common association.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Meetings are held annually and as needed to allow the membership to elect officers of the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Decisions to expel members would require the approval of the membership. Membership meetings are held annually, and can also be called as needed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Official board is given the return for review. Review is done by board members with an opportunity for group discussion at the meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Annual Conflict of Interest/Code of Ethics policy review, with acknowledgement and disclosure forms signed by board; a record of this is included in board minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CUNA's industry comparative data (published annually by each state's credit union league) is used.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Governing documents, conflict of interest policy/information, and financial statements are available in paper form upon request. Financial statements are posted as required.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt086919270
IRS990/TotalAssetsEOYAmt099479101
IRS990/TotalAssetsGrp/BOYAmt086919270
IRS990/TotalAssetsGrp/EOYAmt099479101
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt048
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03451572
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt075909329
IRS990/TotalLiabilitiesEOYAmt087221109
IRS990/TotalLiabilitiesGrp/BOYAmt075909329
IRS990/TotalLiabilitiesGrp/EOYAmt087221109
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt011009941
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012257992
IRS990/TotalOtherCompensationAmt029068
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00

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.

Open filing
Assets
$99,479,101
Liabilities
$87,221,109
Net assets
$12,257,992
Revenue
$4,699,623
Expenses
$3,451,572
Net income
$1,248,051
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$178$153$24.6$8.78$6.17$2.61
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$182$161$21.0$6.54$5.48$1.06
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$179$157$22.5$5.11$4.10$1.01
2020Summary only. Only limited summary data is available for this year.$156$134$21.8$5.44$4.36$1.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$100$20.7$5.46$4.19$1.27
2018Summary only. Only limited summary data is available for this year.$116$96.3$19.3$5.37$3.92$1.45
2017Summary only. Only limited summary data is available for this year.$115$97.5$17.9$5.29$3.77$1.53
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$97.8$16.4$5.26$3.69$1.58
2015Detailed filing. Detailed filing data is available for this year.$109$93.9$14.9$4.94$3.61$1.33
2014Detailed filing. Detailed filing data is available for this year.$104$90.4$13.5$4.84$3.57$1.27
2013Detailed filing. Detailed filing data is available for this year.$99.5$87.2$12.3$4.70$3.45$1.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.9$75.9$11.0$3.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.4$63.8$9.55$3.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.2$59.7$8.48$3.19