Liabilities / Assets
45th percentile
Higher debt load relative to assets than 45% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
45th percentile
Higher debt load relative to assets than 45% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
18th percentile
Faster asset growth than 18% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Down$15,640,111
Down $198,159 (-1.3%) from 2010
Net Assets
Up$2,198,725
Up $28,286 (+1.3%) from 2010
Liabilities
Down$13,441,386
Down $226,445 (-1.7%) from 2010
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$784,977
Down $120,181 (-13%) from 2010
Net Income
-
No earlier filing loaded for comparison.
Credit union - to provide services for approximately 1,882 members in the form of loans, savings, and other financial services.
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/AccountantCompileOrReview | 0 | false |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 51303 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 45488 |
| IRS990/ActivitiesConductedPartnership | 0 | false |
| IRS990/ActivityOrMissionDescription | 0 | STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 2,414 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | PO BOX 929 |
| IRS990/AddressPrincipalOfficerUS/City | 0 | KINGSPORT |
| IRS990/AddressPrincipalOfficerUS/State | 0 | TN |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 37662 |
| IRS990/Advertising/ProgramServices | 0 | 5071 |
| IRS990/Advertising/Total | 0 | 5071 |
| IRS990/AllOtherExpenses/ProgramServices | 0 | 81350 |
| IRS990/AllOtherExpenses/Total | 0 | 81350 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | true |
| IRS990/AuditCommittee | 0 | true |
| IRS990/BenefitsPaidToMembersCY | 0 | 78765 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 125081 |
| IRS990/BenefitsToMembers/ProgramServices | 0 | 78765 |
| IRS990/BenefitsToMembers/Total | 0 | 78765 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | false |
| IRS990/BsnssRltnshpWithOrganization | 0 | false |
| IRS990/CashNonInterestBearing/BOY | 0 | 506302 |
| IRS990/CashNonInterestBearing/EOY | 0 | 370179 |
| IRS990/ChangesToOrganizingDocs | 0 | false |
| IRS990/CollectionsOfArt | 0 | false |
| IRS990/CompCurrentOfficersDirectors/ProgramServices | 0 | 51119 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 51119 |
| IRS990/CompensationFromOtherSources | 0 | false |
| IRS990/CompensationProcessCEO | 0 | false |
| IRS990/CompensationProcessOther | 0 | false |
| IRS990/ComplianceWithBackupWitholding | 0 | true |
| IRS990/ConferencesMeetings/ProgramServices | 0 | 2124 |
| IRS990/ConferencesMeetings/Total | 0 | 2124 |
| IRS990/ConflictOfInterestPolicy | 0 | true |
| IRS990/ConservationEasements | 0 | false |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | false |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | false |
| IRS990/DecisionsSubjectToApproval | 0 | true |
| IRS990/DeductibleContributionsOfArt | 0 | false |
| IRS990/DeductibleNonCashContributions | 0 | false |
| IRS990/DelegationOfManagementDuties | 0 | false |
| IRS990/DescribedIn501C3 | 0 | false |
| IRS990/Description | 0 | OPERATED AS A STATE-CHARTERED CREDIT UNION, MUTUALLY OWNED BY OUR 2,414 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED CURRENTLY FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED. ALL OF OUR REVENUES AND EXPENSES ARE RELATED TO THIS PURPOSE. |
| IRS990/DisregardedEntity | 0 | false |
| IRS990/DocumentRetentionPolicy | 0 | true |
| IRS990/DonorAdvisedFunds | 0 | false |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | true |
| IRS990/EmploymentTaxReturnsFiled | 0 | true |
| IRS990/ExcessBenefitTransaction | 0 | false |
| IRS990/Expense | 0 | 784977 |
| IRS990/FamilyOrBusinessRelationship | 0 | false |
| IRS990/FederalGrantAuditRequired | 0 | false |
| IRS990/FinancialStatementConsolidated | 0 | X |
| IRS990/ForeignActivities | 0 | false |
| IRS990/ForeignFinancialAccount | 0 | false |
| IRS990/ForeignOffice | 0 | false |
| IRS990/Form8282PropertyDisposedOf | 0 | false |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 5 | 40.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | JAMES CRADIC JR |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | MARK W SNODGRASS |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | TIM J SIMPSON |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | LAWRENCE M STARNES |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | DAVID T SALLEE |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | DARLENE WINEGAR |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 3 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 4 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 5 | 9583 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 5 | 51119 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | BOARD PRESIDENT |
| IRS990/Form990PartVIISectionA/Title | 1 | 1ST VICE PRESIDENT |
| IRS990/Form990PartVIISectionA/Title | 2 | 2ND VICE PRESIDENT |
| IRS990/Form990PartVIISectionA/Title | 3 | TREASURER |
| IRS990/Form990PartVIISectionA/Title | 4 | SECRETARY |
| IRS990/Form990PartVIISectionA/Title | 5 | MANAGER/CEO |
| IRS990/Form990ProvidedToGoverningBody | 0 | true |
| IRS990/FormersListed | 0 | false |
| IRS990/FSAudited | 0 | true |
| IRS990/FundraisingActivities | 0 | false |
| IRS990/FundsToPayPremiums | 0 | false |
| IRS990/Gaming | 0 | false |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | false |
| IRS990/GrantsToOrganizations | 0 | false |
| IRS990/GrantToRelatedPerson | 0 | false |
| IRS990/GrossReceipts | 0 | 813263 |
| IRS990/GroupReturnForAffiliates | 0 | false |
| IRS990/Hospital | 0 | false |
| IRS990/IndependentAuditFinancialStmt | 0 | true |
| IRS990/IndoorTanningServices | 0 | false |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InvestmentIncomeCurrentYear | 0 | 0 |
| IRS990/InvestmentInJointVenture | 0 | false |
| IRS990/InvestmentsProgramRelated/BOY | 0 | 5438422 |
| IRS990/InvestmentsProgramRelated/EOY | 0 | 5685756 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 141393 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 137166 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 141393 |
| IRS990/LoanToOfficerOrDQP | 0 | false |
| IRS990/LobbyingActivities | 0 | false |
| IRS990/LocalChapters | 0 | false |
| IRS990/MaterialDiversionOrMisuse | 0 | false |
| IRS990/MembersOrStockholders | 0 | true |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | true |
| IRS990/MinutesOfGoverningBody | 0 | true |
| IRS990/MissionDescription | 0 | STATE CHARTERED CREDIT UNION |
| IRS990/MoreThan5000KToIndividuals | 0 | false |
| IRS990/MoreThan5000KToOrganizations | 0 | false |
| IRS990/NameOfPrincipalOfficerPerson | 0 | DARLENE WINEGAR |
| IRS990/NbrIndependentVotingMembers | 0 | 5 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 5 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 5 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 2170439 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 2198725 |
| IRS990/NonDeductibleContributions | 0 | false |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 611 |
| IRS990/NumberIndependentVotingMembers | 0 | 5 |
| IRS990/NumberOfEmployees | 0 | 8 |
| IRS990/NumberW2GIncluded | 0 | 10 |
| IRS990/Occupancy/ProgramServices | 0 | 43323 |
| IRS990/Occupancy/Total | 0 | 43323 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | false |
| IRS990/OfficerMailingAddress | 0 | false |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 106897 |
| IRS990/OtherAssetsTotal/EOY | 0 | 199090 |
| IRS990/OtherEmployeeBenefits/ProgramServices | 0 | 69895 |
| IRS990/OtherEmployeeBenefits/Total | 0 | 69895 |
| IRS990/OtherExpensePriorYear | 0 | 439406 |
| IRS990/OtherExpensesCurrentYear | 0 | 374916 |
| IRS990/OtherExpenses/Description | 0 | OFFICE OPERATIONS |
| IRS990/OtherExpenses/Description | 1 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpenses/Description | 2 | LOAN SERVICING |
| IRS990/OtherExpenses/Description | 3 | PROFESSIONAL & OUTSIDE SVCS |
| IRS990/OtherExpenses/ProgramServices | 0 | 59043 |
| IRS990/OtherExpenses/ProgramServices | 1 | 34166 |
| IRS990/OtherExpenses/ProgramServices | 2 | 75558 |
| IRS990/OtherExpenses/ProgramServices | 3 | 74281 |
| IRS990/OtherExpenses/Total | 0 | 59043 |
| IRS990/OtherExpenses/Total | 1 | 34166 |
| IRS990/OtherExpenses/Total | 2 | 75558 |
| IRS990/OtherExpenses/Total | 3 | 74281 |
| IRS990/OtherLiabilities/BOY | 0 | 13616528 |
| IRS990/OtherLiabilities/EOY | 0 | 13395898 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 8885139 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 8506538 |
| IRS990/OtherRevenueCurrentYear | 0 | 0 |
| IRS990/OtherSalariesAndWages/ProgramServices | 0 | 182919 |
| IRS990/OtherSalariesAndWages/Total | 0 | 182919 |
| IRS990/PartialLiquidation | 0 | false |
| IRS990/PayrollTaxes/ProgramServices | 0 | 19992 |
| IRS990/PayrollTaxes/Total | 0 | 19992 |
| IRS990/PensionPlanContributions/ProgramServices | 0 | 7371 |
| IRS990/PensionPlanContributions/Total | 0 | 7371 |
| IRS990/PoliticalActivities | 0 | false |
| IRS990/PremiumsPaid | 0 | false |
| IRS990/PriorExcessBenefitTransaction | 0 | false |
| IRS990/ProfessionalFundraising | 0 | false |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 2 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 3 | 522100 |
| IRS990/ProgramServiceRevenueCY | 0 | 813263 |
| IRS990/ProgramServiceRevenue/Description | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenue/Description | 1 | INVESTMENT INCOME |
| IRS990/ProgramServiceRevenue/Description | 2 | FEE INCOME |
| IRS990/ProgramServiceRevenue/Description | 3 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 869877 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 492583 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 120915 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 2 | 120604 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 3 | 79161 |
| IRS990/ProhibitedTaxShelterTrans | 0 | false |
| IRS990/QuidProQuoContributions | 0 | false |
| IRS990/ReconcilationRevenueExpenses | 0 | 28286 |
| IRS990/RegularMonitoringEnforcement | 0 | true |
| IRS990/RelatedEntity | 0 | false |
| IRS990/RelatedOrgControlledEntity | 0 | false |
| IRS990/ReportFin48Footnote | 0 | true |
| IRS990/ReportInvestOthSecurities | 0 | false |
| IRS990/ReportLandBldgEquip | 0 | true |
| IRS990/ReportOtherAssets | 0 | true |
| IRS990/ReportOtherLiabilities | 0 | true |
| IRS990/ReportProgRelInvest | 0 | true |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 2170439 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 2198725 |
| IRS990/Revenue | 0 | 813263 |
| IRS990/RevenuesLessExpensesCY | 0 | 28286 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | -35281 |
| IRS990/SalariesEtcCurrentYear | 0 | 331296 |
| IRS990/SalariesEtcPriorYear | 0 | 340671 |
| IRS990/SavingsAndTempCashInvestments/BOY | 0 | 764344 |
| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 737155 |
| IRS990/ScheduleBRequired | 0 | false |
| IRS990ScheduleD/ExcessOrDeficitForYear | 0 | 28286 |
| IRS990ScheduleD/ExcessOrDeficitPerFS | 0 | 28286 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 0 | 5431215 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 1 | 118376 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 2 | 136165 |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 0 | S&L'S, MUTUAL SAVINGS BANKS |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 1 | CORPORATE CREDIT UNIONS |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 2 | NCUSIF DEPOSIT |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 0 | C |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 1 | C |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 2 | C |
| IRS990ScheduleD/Land/BookValue | 0 | 141393 |
| IRS990ScheduleD/Land/InvestmentCostOrOtherBasis | 0 | 141393 |
| IRS990ScheduleD/OtherAssets/BookValue | 0 | 22224 |
| IRS990ScheduleD/OtherAssets/BookValue | 1 | 12319 |
| IRS990ScheduleD/OtherAssets/BookValue | 2 | 125000 |
| IRS990ScheduleD/OtherAssets/BookValue | 3 | 39547 |
| IRS990ScheduleD/OtherAssets/Description | 0 | ACCRUED INTEREST ON LOANS |
| IRS990ScheduleD/OtherAssets/Description | 1 | ACCRUED INTEREST ON INVESTMENTS |
| IRS990ScheduleD/OtherAssets/Description | 2 | FORECLOSURES |
| IRS990ScheduleD/OtherAssets/Description | 3 | MISCELLANEOUS |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 1542641 |
| IRS990ScheduleD/OtherLiabilities/Amount | 1 | 7914996 |
| IRS990ScheduleD/OtherLiabilities/Amount | 2 | 112506 |
| IRS990ScheduleD/OtherLiabilities/Amount | 3 | 3048271 |
| IRS990ScheduleD/OtherLiabilities/Amount | 4 | 728360 |
| IRS990ScheduleD/OtherLiabilities/Amount | 5 | 49124 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilities/Description | 1 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilities/Description | 2 | MONEY MARKET SHARES |
| IRS990ScheduleD/OtherLiabilities/Description | 3 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilities/Description | 4 | IRA/KEOGH ACCOUNTS |
| IRS990ScheduleD/OtherLiabilities/Description | 5 | OTHER SHARES |
| IRS990ScheduleD/TotalBookValueOtherAssets | 0 | 199090 |
| IRS990ScheduleD/TotalExpenses | 0 | 784977 |
| IRS990ScheduleD/TotalOfAmounts | 0 | 13395898 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 141393 |
| IRS990ScheduleD/TotalOfBookValueProgramRelated | 0 | 5685756 |
| IRS990ScheduleD/TotalRevenue | 0 | 813263 |
| IRS990/ScheduleJRequired | 0 | false |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | A STATE-CHARTERED CREDIT UNION IS GOVERNED BY ITS CHARTER AND BY-LAWS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | THE CHARTER AND BY-LAWS CALL FOR AN ANNUAL ELECTION |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | OF DIRECTORS BY THE MEMBERS. EACH MEMBER IS ENTITLED |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | TO ONE VOTE IRRESPECTIVE OF THE NUMBER OF SHARES/DEPOSITS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | THE CANDIDATES FOR DIRECTOR ARE NOMINATED BY A NOMINATING |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | COMMITTEE APPOINTED BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | THE DIRECTORS ARE ELECTED AT AN ANNUAL MEETING CALLED FOR IN THE BY-LAWS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 7 | UNDER THE BY-LAWS, THE DIRECTORS MEET MONTHLY TO REVIEW |
| IRS990ScheduleO/GeneralExplanation/Explanation | 8 | THE OPERATIONS OF THE CREDIT UNION. THEIR ACTIONS ARE |
| IRS990ScheduleO/GeneralExplanation/Explanation | 9 | DOCUMENTED IN WRITTEN MONTHLY MINUTES. THE BOARD OF |
| IRS990ScheduleO/GeneralExplanation/Explanation | 10 | DIRECTORS APPROVE THE OPERATING POLICIES THAT DIRECT |
| IRS990ScheduleO/GeneralExplanation/Explanation | 11 | MANAGEMENT IN THE DAY-TO-DAY OPERATIONS OF THE CREDIT UNION. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 12 | THE BOARD OF DIRECTORS APPOINT COMMITTEES TO OVERSEE |
| IRS990ScheduleO/GeneralExplanation/Explanation | 13 | SPECIFIC OPERATIONS OF THE CREDIT UNION INCLUDING |
| IRS990ScheduleO/GeneralExplanation/Explanation | 14 | AN AUDIT COMMITTEE, WHICH HIRES AN INDEPENDENT AUDITOR TO |
| IRS990ScheduleO/GeneralExplanation/Explanation | 15 | PERFORM AN ANNUAL AUDIT OF THE CREDIT UNION AND PERSONNEL |
| IRS990ScheduleO/GeneralExplanation/Explanation | 16 | COMMITTEE WHICH RECOMMENDS AN OVERALL COMPENSATION PLAN FOR |
| IRS990ScheduleO/GeneralExplanation/Explanation | 17 | THE CREDIT UNION AS A WHOLE. COMMITTEE MINUTES ARE MAINTAINED. COMMITTEE |
| IRS990ScheduleO/GeneralExplanation/Explanation | 18 | RECOMMENDATIONS ARE VOTED ON/APPROVED BY THE FULL BOARD OF DIRECTORS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 19 | ANNUAL WAGE REVIEWS FOR STAFF ARE DONE BY THE MANAGER/CEO |
| IRS990ScheduleO/GeneralExplanation/Explanation | 20 | AND BOARD OF DIRECTORS PRESIDENT. THE OVERALL COMPENSATION |
| IRS990ScheduleO/GeneralExplanation/Explanation | 21 | PLAN IS DISCUSSED AND ANY WAGE INCREASES ARE BASED UPON |
| IRS990ScheduleO/GeneralExplanation/Explanation | 22 | EMPLOYEE PERFORMANCE AND THE PROFITABILITY OF THE CREDIT |
| IRS990ScheduleO/GeneralExplanation/Explanation | 23 | UNION. THE TOTAL BOARD IS PRESENTED WITH THE WAGE |
| IRS990ScheduleO/GeneralExplanation/Explanation | 24 | RECOMMENDATIONS BY THE BOARD PRESIDENT AND MANAGER/CEO |
| IRS990ScheduleO/GeneralExplanation/Explanation | 25 | OF THE CREDIT UNION FOR THEIR APPROVAL. ANNUAL EMPLOYEE |
| IRS990ScheduleO/GeneralExplanation/Explanation | 26 | RECEIVABLES FROM OFFICERS & OTHERS OTHER RECEIVABLES PREPAIDS INVESTMENTS |
| IRS990ScheduleO/GeneralExplanation/Explanation | 27 | ACCOUNTS PAYABLE & ACCRUED EXPENSES |
| IRS990ScheduleO/GeneralExplanation/Explanation | 28 | MISC OPERATING 33496. 33496. NCUSIF STABILIZATION EXP 29847. 29847. MEMBER INSURANCE 6944. 6944. EXAM FEES 11063. 11063. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 29 | EVALUATIONS ARE COMPLETED BY THE MANAGER/CEO OF THE CREDIT |
| IRS990ScheduleO/GeneralExplanation/Explanation | 30 | UNION. CEO/MANAGER COMPENSATION IS DISCUSSED PRIVATELY |
| IRS990ScheduleO/GeneralExplanation/Explanation | 31 | BY THE BOARD PRIOR TO CEO'S REVIEW WITH BOARD PRESIDENT. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 32 | THIS FORM 990 WAS PROVIDED TO ALL BOARD MEMBERS FOR REVIEW BEFORE FILING. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 33 | THE CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 34 | ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO |
| IRS990ScheduleO/GeneralExplanation/Explanation | 35 | DISCLOSE ANNUALLY ANY INTEREST THAT COULD GIVE RISE TO |
| IRS990ScheduleO/GeneralExplanation/Explanation | 36 | CONFLICTS. ALL MATERIAL CONTRACTS ARE APPROVED BY THE |
| IRS990ScheduleO/GeneralExplanation/Explanation | 37 | BOARD OF DIRECTORS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 38 | WRITTEN COPIES OF POLICIES AND PROCEDURES ARE PROVIDED |
| IRS990ScheduleO/GeneralExplanation/Explanation | 39 | TO MEMBERS UPON REQUEST. MONTHLY FINANCIAL REPORTS |
| IRS990ScheduleO/GeneralExplanation/Explanation | 40 | ARE POSTED IN THE LOBBY FOR MEMBERS' REVIEW. UPON REQUEST, |
| IRS990ScheduleO/GeneralExplanation/Explanation | 41 | COPIES OF THE CREDIT UNION'S ANNUAL FORM 990 IS PROVIDED |
| IRS990ScheduleO/GeneralExplanation/Explanation | 42 | TO ANY MEMBER OR NON-MEMBER THAT REQUESTS A COPY. |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | Pt VI, Line 1a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | Pt VI, Line 6 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | Pt VI, Line 7a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 3 | Pt VI, Line 7b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 4 | Pt VI, Line 8a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 5 | Pt VI, Line 8b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 6 | Pt VI, Line 15 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 7 | Form 990EZ, Part II, Line 24 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 8 | Form 990EZ, Part II, Line 26 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 9 | Form 990, Part IX, Line 24f |
| IRS990ScheduleO/GeneralExplanation/Identifier | 10 | Pt VI, Line 11a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 11 | Pt VI, Line 12c |
| IRS990ScheduleO/GeneralExplanation/Identifier | 12 | Pt VI, Line 19 |
| IRS990/ScheduleORequired | 0 | true |
| IRS990/School | 0 | false |
| IRS990/SignificantChange | 0 | false |
| IRS990/SignificantNewProgramServices | 0 | false |
| IRS990/StateLegalDomicile | 0 | TN |
| IRS990/SubjectToProxyTax | 0 | false |
| IRS990/TaxablePartyNotification | 0 | false |
| IRS990/TaxExemptBonds | 0 | false |
| IRS990/Terminated | 0 | false |
| IRS990/TermOrPermanentEndowments | 0 | false |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 1440 LINCOLN STREET |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | KINGSPORT |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | TN |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 37660 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | DARLENE WINEGAR |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 4232297332 |
| IRS990/TotalAssets/BOY | 0 | 15838270 |
| IRS990/TotalAssetsBOY | 0 | 15838270 |
| IRS990/TotalAssets/EOY | 0 | 15640111 |
| IRS990/TotalAssetsEOY | 0 | 15640111 |
| IRS990/TotalCompGT150K | 0 | false |
| IRS990/TotalExpensesCurrentYear | 0 | 784977 |
| IRS990/TotalExpensesPriorYear | 0 | 905158 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 784977 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 784977 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 0 |
| IRS990/TotalLiabilities/BOY | 0 | 13667831 |
| IRS990/TotalLiabilitiesBOY | 0 | 13667831 |
| IRS990/TotalLiabilities/EOY | 0 | 13441386 |
| IRS990/TotalLiabilitiesEOY | 0 | 13441386 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 15838270 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 15640111 |
| IRS990/TotalNbrEmployees | 0 | 8 |
| IRS990/TotalNbrVolunteers | 0 | 7 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 2170439 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 2198725 |
| IRS990/TotalOtherCompensation | 0 | 9583 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProgramServiceExpense | 0 | 784977 |
| IRS990/TotalProgramServiceRevenue | 0 | 813263 |
| IRS990/TotalReportableCompFromOrg | 0 | 51119 |
| IRS990/TotalRevenueCurrentYear | 0 | 813263 |
| IRS990/TotalRevenuePriorYear | 0 | 869877 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 813263 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 813263 |
| IRS990/TransactionRelatedEntity | 0 | false |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | false |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | AGCCU.ORG |
| IRS990/WhistleblowerPolicy | 0 | false |
| IRS990/YearFormation | 0 | 1932 |
| ReturnHeader/BuildTS | 0 | 2016-02-24 21:20:13Z |
| ReturnHeader/Filer/EIN | 0 | 620700353 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | AGC CREDIT UNION |
| ReturnHeader/Filer/NameControl | 0 | AGCC |
| ReturnHeader/Filer/Phone | 0 | 4232297432 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | PO BOX 3526 |
| ReturnHeader/Filer/USAddress/City | 0 | KINGSPORT |
| ReturnHeader/Filer/USAddress/State | 0 | TN |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 37664 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | true |
| ReturnHeader/Officer/DateSigned | 0 | 2012-12-07 |
| ReturnHeader/Officer/Name | 0 | DARLENE WINEGAR |
| ReturnHeader/Officer/Phone | 0 | 4232297432 |
| ReturnHeader/Officer/Title | 0 | MANAGER/CEO |
| ReturnHeader/Preparer/DatePrepared | 0 | 2012-12-07 |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | PETERS & ASSOCIATES PC |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 9040 EXECUTIVE PARK DR STE 325 |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | KNOXVILLE |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | TN |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 37923 |
| ReturnHeader/Preparer/Name | 0 | CRAIG PETERS |
| ReturnHeader/Preparer/Phone | 0 | 8656947128 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2011-01-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2011-12-31 |
| ReturnHeader/TaxYear | 0 | 2011 |
| ReturnHeader/Timestamp | 0 | 2012-12-07T08:42:38-08:00 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.