Civic Intelligence

Employee Resources Credit Union

990 • Fiscal year 2014 • EIN 62-0714058

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 29, 2015

Organization ProfileN/A

View Organization Page

1604 Remke AvenueLawrenceburg, TN 38464

(931) 766-9288

Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

22nd percentile

14.75x

Higher debt load relative to revenue than 22% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

53rd percentile

11%

Higher net margin than 53% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

10th percentile

$83,513

Higher top officer pay than 10% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

99th percentile

37%

Faster asset growth than 99% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

95th percentile

14%

Faster revenue growth than 95% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$68,921,903

Up $18,518,051 (+37%) from 2013

Net Assets

Up

$6,128,482

Up $441,375 (+7.8%) from 2013

Liabilities

Up

$62,793,421

Up $18,076,676 (+40%) from 2013

Revenue And Expenses
Liabilities / Revenue22nd percentileNet Margin53rd percentile

Revenue

Up

$4,256,578

Up $526,341 (+14%) from 2013

Expenses

Up

$3,804,130

Up $503,776 (+15%) from 2013

Net Income

Up

$452,448

Up $22,565 (+5.2%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth99th percentile

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

$200M$150M$100M$50M$0Assets 2010: $29,771,975Liabilities 2010: $25,582,736Net Assets 2010: $4,189,2392010Assets 2011: $37,835,553Liabilities 2011: $33,315,673Net Assets 2011: $4,519,8802011Assets 2012: $43,681,665Liabilities 2012: $38,424,441Net Assets 2012: $5,257,2242012Assets 2013: $50,403,852Liabilities 2013: $44,716,745Net Assets 2013: $5,687,1072013Assets 2014: $68,921,903Liabilities 2014: $62,793,421Net Assets 2014: $6,128,4822014Assets 2015: $77,997,220Liabilities 2015: $71,480,862Net Assets 2015: $6,516,3582015Assets 2016: $83,839,177Liabilities 2016: $76,819,528Net Assets 2016: $7,019,6492016Assets 2017: $85,697,404Liabilities 2017: $78,698,579Net Assets 2017: $6,998,8252017Assets 2018: $83,586,338Liabilities 2018: $76,493,656Net Assets 2018: $7,092,6822018Assets 2019: $96,979,153Liabilities 2019: $89,209,414Net Assets 2019: $7,769,7392019Assets 2020: $115,692,672Liabilities 2020: $107,307,757Net Assets 2020: $8,384,9152020Assets 2021: $131,347,760Liabilities 2021: $120,158,870Net Assets 2021: $11,188,8902021Assets 2022: $136,034,491Liabilities 2022: $122,937,510Net Assets 2022: $13,096,9812022Assets 2023: $147,209,137Liabilities 2023: $132,195,737Net Assets 2023: $15,013,4002023Assets 2024: $177,637,285Liabilities 2024: $161,588,060Net Assets 2024: $16,049,2252024

Highlighted filing

2014

Assets$68,921,903
Liabilities$62,793,421
Net Assets$6,128,482
Open 2014 Filing

Operations Trend

Revenue Growth95th percentile

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

$15M$10M$5.0M$0Expenses 2010: $1,591,1112010Expenses 2011: $1,880,6982011Expenses 2012: $2,210,8012012Revenue 2013: $3,730,237Expenses 2013: $3,300,354Net Income 2013: $429,8832013Revenue 2014: $4,256,578Expenses 2014: $3,804,130Net Income 2014: $452,4482014Revenue 2015: $5,351,467Expenses 2015: $4,966,617Net Income 2015: $384,8502015Revenue 2016: $5,932,393Expenses 2016: $5,514,102Net Income 2016: $418,2912016Revenue 2017: $5,835,422Expenses 2017: $5,834,948Net Income 2017: $4742017Revenue 2018: $5,749,449Expenses 2018: $5,595,175Net Income 2018: $154,2742018Revenue 2019: $6,020,094Expenses 2019: $5,343,037Net Income 2019: $677,0572019Revenue 2020: $6,163,142Expenses 2020: $5,547,967Net Income 2020: $615,1752020Revenue 2021: $6,303,073Expenses 2021: $5,325,362Net Income 2021: $977,7112021Revenue 2022: $7,210,233Expenses 2022: $5,742,633Net Income 2022: $1,467,6002022Revenue 2023: $8,673,266Expenses 2023: $6,736,767Net Income 2023: $1,936,4992023Revenue 2024: $10,686,105Expenses 2024: $9,650,280Net Income 2024: $1,035,8252024

Highlighted filing

2014

Revenue$4,256,578
Expenses$3,804,130
Net Income$452,448
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 29, 2015
Return Version
2014v5.0
Gross Receipts
$4,256,578
Mission and Program Overview

Mission

Provision of credit union services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$39,716,562$49,333,741▲ $9,617,179
Savings and Temporary Cash Investments$2,241,858$8,128,599▲ $5,886,741
Rtn Earn Endowment Incm Other Fnds$5,687,107$6,128,482▲ $441,375
Cash and Non-Interest-Bearing Accounts$2,880,412$4,654,228▲ $1,773,816
Land, Buildings, and Equipment, Net$1,995,634$3,870,943▲ $1,875,309
Investments Other Securities$2,401,123$1,652,122▼ $749,001
Receivables From Officers Etc$59,459$51,211▼ $8,248
Total Assets$50,403,852$68,921,903▲ $18,518,051
Other Assets Total$1,108,804$1,231,059▲ $122,255
Liabilities
Other Liabilities$44,405,026$62,486,139▲ $18,081,113
Accounts Payable and Accrued Expenses$311,719$307,282▼ $4,437
Total Liabilities$44,716,745$62,793,421▲ $18,076,676
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,687,107$6,128,482▲ $441,375
Total Liabilities and Net Assets / Fund Balance$50,403,852$68,921,903▲ $18,518,051

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$984,806$253,811-
Other Land Buildings$1,968,777--
Land$741,634--
Equipment$86,714$658,570-
Leasehold Improvements$89,012$19,617-
Other Assets Org$372,372--
Other Securities$7,122--
Compensation and Service Providers
Top Officer Pay10th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Konda BowlingCEOFT$83,513$83,513

Board Members and Trustees

NameTitle
Blank LineBlank Line
Aaron PopeOfficial
Barbara NormanOfficial
Bill PettusOfficial
DannylucyOfficial
Darrin MckameyOfficial
David JohnsonOfficial
Jeff JordanOfficial
Vicki EngelhardtOfficial
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,009,902
Investment Income
$17,866
Other Revenue
$1,228,810
Change in Net Assets
$452,448

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,256,578
Total Revenue per Audited Statements
$4,256,578
Total Revenue per Form 990
$4,256,578
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,491,691
Salaries, Compensation, and Employee Benefits$1,312,439
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$1,213,389$0$0$1,213,389
Other Salaries and Wages$761,166$0$0$761,166
Pension Plan Contributions$467,760$0$0$467,760
Current Officers, Directors, Trustees, and Key Employees$83,513$0$0$83,513
Total Functional Expenses$3,804,130$0$0$3,804,130

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,804,130
Total Expenses per Audited Statements$3,804,130
Total Expenses per Form 990$3,804,130
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$59,459$51,211▼ $8,248
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$62,486,139
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Employee Resources Credit Union
EIN
62-0714058
Phone
9317669288
Address
1604 REMKE AVENUE, LAWRENCEBURG, TN 38464

Signing Officer

Name
Aaron Pope
Title
Chairman
Phone
9317669288
Signed
2015-10-29
Discuss with paid preparer
Yes

Organization Details

Formed
1964
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
38
Volunteers
9

Preparer

Firm
Milton G Anderson CPA Pc
Address
211 DONELSON PIKE STE 113, NASHVILLE, TN 37214-2929
Preparer
Milton G Anderson CPA
Phone
6158710290
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“CU MBRSHIP”

Pt VI, Line 7A

“CU MBRSHIP”

Pt VI, Line 11B

“BOARD MEETINGS”

Pt VI, Line 12C

“BPARD MEETINGS”

Pt VI, Line 15A

“COMPENSATION COMMITTEE”

Pt VI, Line 15B

“COMPENSATION COMMITTEE”

Pt XI

“Cu error adj for expense misstatement in p/y”

Raw XML AppendixShowing 400 of 435 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/BOYAmt0311719
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0307282
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVISION OF CREDIT UNION SERVICES TO MEMBERS
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MGR KONDA BOWLING
IRS990/BooksInCareOfDetail/PhoneNum09317669288
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01604 REMKE AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0LAWRENCEBURG
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd038464
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02880412
IRS990/CashNonInterestBearingGrp/EOYAmt04654228
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt083513
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt083513
IRS990/CompDisqualPersonsGrp/FundraisingAmt00
IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt00
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt017866
IRS990/CYOtherExpensesAmt02491691
IRS990/CYOtherRevenueAmt01228810
IRS990/CYProgramServiceRevenueAmt03009902
IRS990/CYRevenuesLessExpensesAmt0452448
IRS990/CYSalariesCompEmpBnftPaidAmt01312439
IRS990/CYTotalExpensesAmt03804130
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04256578
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0TOTAL REVENUE: $2,845,284
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt038
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950.00
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/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0AARON POPE
IRS990/Form990PartVIISectionAGrp/PersonNm1DANNYLUCY
IRS990/Form990PartVIISectionAGrp/PersonNm2VICKI ENGELHARDT
IRS990/Form990PartVIISectionAGrp/PersonNm3BLANK LINE
IRS990/Form990PartVIISectionAGrp/PersonNm4DARRIN MCKAMEY
IRS990/Form990PartVIISectionAGrp/PersonNm5BILL PETTUS
IRS990/Form990PartVIISectionAGrp/PersonNm6BARBARA NORMAN
IRS990/Form990PartVIISectionAGrp/PersonNm7JEFF JORDAN
IRS990/Form990PartVIISectionAGrp/PersonNm8DAVID JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm9KONDA BOWLING
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt983513
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/TitleTxt0OFFICIAL
IRS990/Form990PartVIISectionAGrp/TitleTxt1OFFICIAL
IRS990/Form990PartVIISectionAGrp/TitleTxt2OFFICIAL
IRS990/Form990PartVIISectionAGrp/TitleTxt3BLANK LINE
IRS990/Form990PartVIISectionAGrp/TitleTxt4OFFICIAL
IRS990/Form990PartVIISectionAGrp/TitleTxt5OFFICIAL
IRS990/Form990PartVIISectionAGrp/TitleTxt6OFFICIAL
IRS990/Form990PartVIISectionAGrp/TitleTxt7OFFICIAL
IRS990/Form990PartVIISectionAGrp/TitleTxt8OFFICIAL
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01964
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt04256578
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt017866
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02401123
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01652122
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0931998
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01995634
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03870943
IRS990/LandBldgEquipCostOrOtherBssAmt04802941
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVISION OF CREDIT UNION SERVICES TO MEMBERS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05687107
IRS990/NetAssetsOrFundBalancesEOYAmt06128482
IRS990/NondeductibleContributionsInd0false
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01108804
IRS990/OtherAssetsTotalGrp/EOYAmt01231059
IRS990/OtherChangesInNetAssetsAmt0-11073
IRS990/OtherExpensesGrp/Desc0INTEREST ON MEMBER DEPOSITS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc2OFFICE SPACE RENTAL
IRS990/OtherExpensesGrp/Desc3OFFICE OCCUPANCY AND OPS
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt0444743
IRS990/OtherExpensesGrp/ProgramServicesAmt1774100
IRS990/OtherExpensesGrp/ProgramServicesAmt259459
IRS990/OtherExpensesGrp/ProgramServicesAmt31213389
IRS990/OtherExpensesGrp/TotalAmt0444743
IRS990/OtherExpensesGrp/TotalAmt1774100
IRS990/OtherExpensesGrp/TotalAmt259459
IRS990/OtherExpensesGrp/TotalAmt31213389
IRS990/OtherLiabilitiesGrp/BOYAmt044405026
IRS990/OtherLiabilitiesGrp/EOYAmt062486139
IRS990/OtherRevenueMiscGrp/BusinessCd0999999
IRS990/OtherRevenueMiscGrp/Desc0FEES & CHARGES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01228810
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01228810
IRS990/OtherRevenueTotalAmt01228810
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0761166
IRS990/OtherSalariesAndWagesGrp/TotalAmt0761166
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt039716562
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt049333741
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0467760
IRS990/PensionPlanContributionsGrp/TotalAmt0467760
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0AARON POPE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0999999
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03009902
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0373966
IRS990/PYOtherExpensesAmt02092850
IRS990/PYOtherRevenueAmt0939126
IRS990/PYProgramServiceRevenueAmt02417145
IRS990/PYRevenuesLessExpensesAmt0429883
IRS990/PYSalariesCompEmpBnftPaidAmt01207504
IRS990/PYTotalExpensesAmt03300354
IRS990/PYTotalRevenueAmt03730237
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt059459
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt051211
IRS990/ReconcilationRevenueExpnssAmt0452448
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05687107
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06128482
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02241858
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08128599
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0984806
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0253811
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01238617
IRS990ScheduleD/EquipmentGrp/BookValueAmt086714
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0658570
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0745284
IRS990ScheduleD/ExpensesSubtotalAmt03804130
IRS990ScheduleD/LandGrp/BookValueAmt0741634
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0741634
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt089012
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt019617
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0108629
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0163214
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1695473
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2372372
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1RESTRICTED DEPOSITS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OTHER ASSETS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01968777
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt01968777
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt062486139
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01645000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt17122
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CD'S
IRS990ScheduleD/OtherSecuritiesGrp/Desc1OTHER SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/RevenueSubtotalAmt04256578
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03870943
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01231059
IRS990ScheduleD/TotalBookValueSecuritiesAmt01652122
IRS990ScheduleD/TotalExpensesPerForm990Amt03804130
IRS990ScheduleD/TotalLiabilityAmt062486139
IRS990ScheduleD/TotalRevenuePerForm990Amt04256578
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04256578
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03804130
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt09478
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13627
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt218881
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt319225
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1UNSEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2SEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3SEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4SEC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt015000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15035
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt223727
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt327781
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JEFF JORDAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JEFF JORDAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BLANK LINE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3WILLIAM PETTUS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4VICKIE ENGELHARDT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0OFFICIAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1OFFICIAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2OFFICIAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Offical
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Offical
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt051211
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CU MBRSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CU MBRSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD MEETINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BPARD MEETINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CU ERROR ADJ FOR EXPENSE MISSTATEMENT IN P/Y
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt XI
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt050403852
IRS990/TotalAssetsEOYAmt068921903
IRS990/TotalAssetsGrp/BOYAmt050403852
IRS990/TotalAssetsGrp/EOYAmt068921903
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt038
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt03804130
IRS990/TotalFunctionalExpensesGrp/TotalAmt03804130
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt044716745
IRS990/TotalLiabilitiesEOYAmt062793421
IRS990/TotalLiabilitiesGrp/BOYAmt044716745
IRS990/TotalLiabilitiesGrp/EOYAmt062793421
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05687107
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06128482
IRS990/TotalProgramServiceRevenueAmt03009902
IRS990/TotalReportableCompFromOrgAmt083513
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04256578
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04256578
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt050403852
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt068921903
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$68,921,903
Liabilities
$62,793,421
Net assets
$6,128,482
Revenue
$4,256,578
Expenses
$3,804,130
Net income
$452,448
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$178$162$16.0$10.7$9.65$1.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$147$132$15.0$8.67$6.74$1.94
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$136$123$13.1$7.21$5.74$1.47
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$120$11.2$6.30$5.33$0.98
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$116$107$8.38$6.16$5.55$0.62
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$97.0$89.2$7.77$6.02$5.34$0.68
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.6$76.5$7.09$5.75$5.60$0.15
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$85.7$78.7$7.00$5.84$5.83$0.00
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.8$76.8$7.02$5.93$5.51$0.42
2015Detailed filing. Detailed filing data is available for this year.$78.0$71.5$6.52$5.35$4.97$0.38
2014Detailed filing. Detailed filing data is available for this year.$68.9$62.8$6.13$4.26$3.80$0.45
2013Detailed filing. Detailed filing data is available for this year.$50.4$44.7$5.69$3.73$3.30$0.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.7$38.4$5.26$2.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.8$33.3$4.52$1.88
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.8$25.6$4.19$1.59