Civic Intelligence

Northeast Community Credit Union

EIN 62-0676416 • 501(c)14 • Elizabethton, TN

View Organization Page

Profile

To provide low-cost financial products and service such as savings accounts, checking accounts, and loans to our 9700 members.

980 Jason Witten WayElizabethton, TN 37643

www.bemycu.org

Siviq Scores

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

Liabilities / Assets

20th percentile

0.86x

Higher debt load relative to assets than 20% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

67th percentile

17.47x

Higher debt load relative to revenue than 67% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Net Margin

95th percentile

30%

Higher net margin than 95% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

28th percentile

$202,450

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

$100M-$250M nonprofits • Source year 2021

Asset Growth

19th percentile

-2.4%

Faster asset growth than 19% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

93rd percentile

34%

Faster revenue growth than 93% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets20th percentile

Assets

Down

$178,044,513

Down $4,312,549 (-2.4%) from 2022

Liabilities

Down

$153,398,290

Down $7,948,654 (-4.9%) from 2022

Net Assets

Up

$24,646,223

Up $3,636,105 (+17%) from 2022

Operations
Liabilities / Revenue67th percentileNet Margin95th percentile

Revenue

Up

$8,780,666

Up $2,244,847 (+34%) from 2022

Expenses

Up

$6,172,043

Up $691,363 (+13%) from 2022

Net Income

Up

$2,608,623

Up $1,553,484 (+147%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth19th percentile

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

$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

2023

Assets$178,044,513
Liabilities$153,398,290
Net Assets$24,646,223
Open 2023 Filing

Operations Trend

Revenue Growth93rd percentile

Revenue, expenses, and net income by year, with the latest 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

2023

Revenue$8,780,666
Expenses$6,172,043
Net Income$2,608,623
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$178,044,513
Liabilities
$153,398,290
Net assets
$24,646,223
Revenue
$8,780,666
Expenses
$6,172,043
Net income
$2,608,623
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
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2021 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 25, 2022
Return Version
2021v4.0
Gross Receipts
$5,107,735
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.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$74,363,248$72,525,819▼ $1,837,429
Cash and Non-Interest-Bearing Accounts$63,424,068$67,931,217▲ $4,507,149
Investments Other Securities$7,448,450$31,845,714▲ $24,397,264
Rtn Earn Endowment Incm Other Fnds$17,151,422$17,843,938▲ $692,516
Cap Stk Tr Prin Current Funds$4,649,427$4,649,427→ $0
Land, Buildings, and Equipment, Net$4,154,932$4,115,179▼ $39,753
Savings and Temporary Cash Investments$4,451,995$998,670▼ $3,453,325
Prepaid Expenses and Deferred Charges$460,692$362,818▼ $97,874
Total Assets$155,727,860$179,401,948▲ $23,674,088
Other Assets Total$1,424,475$1,622,531▲ $198,056
Liabilities
Other Liabilities$128,711,808$154,170,481▲ $25,458,673
Accounts Payable and Accrued Expenses$5,215,203$2,738,102▼ $2,477,101
Total Liabilities$133,927,011$156,908,583▲ $22,981,572
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,800,849$22,493,365▲ $692,516
Total Liabilities and Net Assets / Fund Balance$155,727,860$179,401,948▲ $23,674,088

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,135,001$1,376,951$3,511,952
Land$1,791,791-$1,791,791
Equipment$188,387$1,243,023$1,431,410
Other Securities$487,841--
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Teresa ArnoldPresident/ceFT$150,204$52,246$202,450
Teresa ArnoldPresident/CEO-$150,204$52,246$202,450
Kevin BucklesCFOFT$58,039$14,253$72,292

Board Members and Trustees

NameTitle
Raymond HillBoard Chairm
Dennis L WilsonBoard Member
John K GeagleyBoard Member
Kathy CampbellBoard Member
Kay ArnoldBoard Member
Lisa HayesBoard Member
Richard ClarkBoard Member
Vickey BroylesBoard Secret
William ArmstrongBoard Vice C
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,669,477
Investment Income
$271,917
Other Revenue
$166,341
Change in Net Assets
$1,012,366
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,058,465
Salaries, Compensation, and Employee Benefits$2,036,904
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$1,471,076-$1,471,076
Interest-$567,602-$567,602
Other Employee Benefits-$359,392-$359,392
Office Expenses-$226,185-$226,185
Occupancy-$192,626-$192,626
Payroll Taxes-$113,544-$113,544
Pension Plan Contributions-$92,892-$92,892
All Other Expenses-$52,176-$52,176
Other Expenses-$50,000-$50,000
Conferences and Meetings-$32,129-$32,129
Insurance-$9,600-$9,600
Total Functional Expenses$0$4,095,369$0$4,095,369
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
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$76,406,252
All Other Shares$46,268,127
Share Drafts$31,496,102
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The president/ceo reviews the form 990 before filing. The form 990 is avialable for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors use a comparison of credit union compensation in cuna salary manual and survey.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Northeast Community Credit Union
EIN
62-0676416
Phone
4235471200
Address
980 JASON WITTEN WAY, ELIZABETHTON, TN 37643

Signing Officer

Name
Teresa Arnold
Title
President/CEO
Phone
4235471200
Signed
2022-03-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Teresa Arnold
Formed
1952
Legal Domicile
Tn
Voting Board Members
9
Independent Board Members
9
Employees
50
Volunteers
9

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union had no unrealted business income.”

Form 990, Part XI, Line 9

“Other changes 30,211 other adjustments 0 total 30,211”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML AppendixShowing 400 of 413 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/BOYAmt05215203
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02738102
IRS990/AccountsReceivableGrp/BOYAmt074363248
IRS990/AccountsReceivableGrp/EOYAmt072525819
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt052176
IRS990/AllOtherExpensesGrp/TotalAmt052176
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0KEVIN BUCKLES
IRS990/BooksInCareOfDetail/PhoneNum04235471200
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0980 JASON WITTEN WAY
IRS990/BooksInCareOfDetail/USAddress/CityNm0ELIZABETHTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0376436443
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt04649427
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt04649427
IRS990/CashNonInterestBearingGrp/BOYAmt063424068
IRS990/CashNonInterestBearingGrp/EOYAmt067931217
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt032129
IRS990/ConferencesMeetingsGrp/TotalAmt032129
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0271917
IRS990/CYOtherExpensesAmt02058465
IRS990/CYOtherRevenueAmt0166341
IRS990/CYProgramServiceRevenueAmt04669477
IRS990/CYRevenuesLessExpensesAmt01012366
IRS990/CYSalariesCompEmpBnftPaidAmt02036904
IRS990/CYTotalExpensesAmt04095369
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt05107735
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt050
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt03527767
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
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/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt052246
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt114253
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/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0TERESA ARNOLD
IRS990/Form990PartVIISectionAGrp/PersonNm1KEVIN BUCKLES
IRS990/Form990PartVIISectionAGrp/PersonNm2WILLIAM ARMSTRONG
IRS990/Form990PartVIISectionAGrp/PersonNm3VICKEY BROYLES
IRS990/Form990PartVIISectionAGrp/PersonNm4RAYMOND HILL
IRS990/Form990PartVIISectionAGrp/PersonNm5KATHY CAMPBELL
IRS990/Form990PartVIISectionAGrp/PersonNm6LISA HAYES
IRS990/Form990PartVIISectionAGrp/PersonNm7KAY ARNOLD
IRS990/Form990PartVIISectionAGrp/PersonNm8RICHARD CLARK
IRS990/Form990PartVIISectionAGrp/PersonNm9JOHN K GEAGLEY
IRS990/Form990PartVIISectionAGrp/PersonNm10DENNIS L WILSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0150204
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt158039
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/ReportableCompFromOrgAmt100
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD VICE C
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRET
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD CHAIRM
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt05107735
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt09600
IRS990/InsuranceGrp/TotalAmt09600
IRS990/InterestGrp/ManagementAndGeneralAmt0567602
IRS990/InterestGrp/TotalAmt0567602
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0271917
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0271917
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07448450
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt031845714
IRS990/IRPDocumentCnt02977
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02619974
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04154932
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04115179
IRS990/LandBldgEquipCostOrOtherBssAmt06735153
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 12,379 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt021800849
IRS990/NetAssetsOrFundBalancesEOYAmt022493365
IRS990/NetUnrlzdGainsLossesInvstAmt0-350061
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt0192626
IRS990/OccupancyGrp/TotalAmt0192626
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0226185
IRS990/OfficeExpensesGrp/TotalAmt0226185
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01424475
IRS990/OtherAssetsTotalGrp/EOYAmt01622531
IRS990/OtherChangesInNetAssetsAmt030211
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0359392
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0359392
IRS990/OtherExpensesGrp/Desc0PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc1EDUCATIONAL & PROMO
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0743152
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1126417
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt258578
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt350000
IRS990/OtherExpensesGrp/TotalAmt0743152
IRS990/OtherExpensesGrp/TotalAmt1126417
IRS990/OtherExpensesGrp/TotalAmt258578
IRS990/OtherExpensesGrp/TotalAmt350000
IRS990/OtherLiabilitiesGrp/BOYAmt0128711808
IRS990/OtherLiabilitiesGrp/EOYAmt0154170481
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0166341
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0166341
IRS990/OtherRevenueTotalAmt0166341
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt01471076
IRS990/OtherSalariesAndWagesGrp/TotalAmt01471076
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0113544
IRS990/PayrollTaxesGrp/TotalAmt0113544
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt092892
IRS990/PensionPlanContributionsGrp/TotalAmt092892
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0true
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0460692
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0362818
IRS990/PrincipalOfficerNm0TERESA ARNOLD
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03421082
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11248395
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03421082
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11248395
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0567602
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0274161
IRS990/PYOtherExpensesAmt02200606
IRS990/PYOtherRevenueAmt0353353
IRS990/PYProgramServiceRevenueAmt04815127
IRS990/PYRevenuesLessExpensesAmt01081089
IRS990/PYSalariesCompEmpBnftPaidAmt02160946
IRS990/PYTotalExpensesAmt04361552
IRS990/PYTotalRevenueAmt05442641
IRS990/ReconcilationRevenueExpnssAmt01012366
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017151422
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017843938
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04451995
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0998670
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/Form1120POLFiledInd0false
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0462728395
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0TENNESSEE CREDIT UNION LEAGUE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt01317 HICKORY VALLEY RD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0CHATTANOOGA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0TN
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd037421
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CONTRIBUTION TO THE TENNESSEE CREDIT UNION LEAGUE PAC.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE C, PART I-A, LINE 1
IRS990ScheduleD/BuildingsGrp/BookValueAmt02135001
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01376951
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03511952
IRS990ScheduleD/EquipmentGrp/BookValueAmt0188387
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01243023
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01431410
IRS990ScheduleD/LandGrp/BookValueAmt01791791
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01791791
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt076406252
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt146268127
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt231496102
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt031357873
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1487841
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1VCCU - PAID IN CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04115179
IRS990ScheduleD/TotalBookValueSecuritiesAmt031845714
IRS990ScheduleD/TotalLiabilityAmt0154170481
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0150204
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt052246
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TERESA ARNOLD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0202450
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNREALTED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PRESIDENT/CEO REVIEWS THE FORM 990 BEFORE FILING. THE FORM 990 IS AVIALABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION COMPENSATION IN CUNA SALARY MANUAL AND SURVEY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9OTHER CHANGES 30,211 OTHER ADJUSTMENTS 0 TOTAL 30,211
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0155727860
IRS990/TotalAssetsEOYAmt0179401948
IRS990/TotalAssetsGrp/BOYAmt0155727860
IRS990/TotalAssetsGrp/EOYAmt0179401948
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt050
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt04095369
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt04095369
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0133927011
IRS990/TotalLiabilitiesEOYAmt0156908583
IRS990/TotalLiabilitiesGrp/BOYAmt0133927011
IRS990/TotalLiabilitiesGrp/EOYAmt0156908583
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt021800849
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt022493365
IRS990/TotalOtherCompensationAmt066499
IRS990/TotalProgramServiceExpensesAmt04095369
IRS990/TotalProgramServiceRevenueAmt04669477
IRS990/TotalReportableCompFromOrgAmt0208243
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05107735
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05107735
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0155727860
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0179401948
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0980 JASON WITTEN WAY
IRS990/USAddress/CityNm0ELIZABETHTON
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037643
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.BYMYCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TERESA ARNOLD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04235471200
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-03-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTHEAST COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0620676416
ReturnHeader/Filer/PhoneNum04235471200
ReturnHeader/Filer/USAddress/AddressLine1Txt0980 JASON WITTEN WAY
ReturnHeader/Filer/USAddress/CityNm0ELIZABETHTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037643
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)14 • $100M-$250M nonprofits