Civic Intelligence

Greater Eastern Credit Union

990 • Fiscal year 2022 • EIN 62-0731807

Jan 01, 2022 to Dec 31, 2022 • Filed on Feb 28, 2023

Organization ProfileWWW.GREATEREASTERN.ORG

View Organization Page

P O Box 5130Johnson City, TN 37602

(423) 283-4300

Siviq Scores

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

Liabilities / Assets

36th percentile

0.88x

Higher debt load relative to assets than 36% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Liabilities / Revenue

33rd percentile

19.05x

Higher debt load relative to revenue than 33% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Net Margin

62nd percentile

18%

Higher net margin than 62% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Top Officer Pay

8th percentile

$95,459

Higher top officer pay than 8% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2022

Asset Growth

44th percentile

0.8%

Faster asset growth than 44% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Revenue Growth

44th percentile

6.6%

Faster revenue growth than 44% of similar nonprofits.

2022 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$60,219,676

Up $452,801 (+0.8%) from 2021

Net Assets

Up

$7,273,372

Up $490,129 (+7.2%) from 2021

Liabilities

Down

$52,946,304

Down $37,328 (-0.1%) from 2021

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin62nd percentile

Revenue

Up

$2,779,243

Up $172,494 (+6.6%) from 2021

Expenses

Down

$2,289,113

Down $20,989 (-0.9%) from 2021

Net Income

Up

$490,130

Up $193,483 (+65%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth44th percentile

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

$80M$60M$40M$20M$0Assets 2010: $45,757,075Liabilities 2010: $38,511,210Net Assets 2010: $7,245,8652010Assets 2011: $52,652,226Liabilities 2011: $45,374,990Net Assets 2011: $7,277,2362011Assets 2012: $52,510,429Liabilities 2012: $45,297,514Net Assets 2012: $7,212,9152012Assets 2013: $50,468,835Liabilities 2013: $43,181,589Net Assets 2013: $7,287,2462013Assets 2014: $50,244,953Liabilities 2014: $42,978,377Net Assets 2014: $7,266,5762014Assets 2015: $50,403,879Liabilities 2015: $42,951,410Net Assets 2015: $7,452,4692015Assets 2016: $51,678,942Liabilities 2016: $44,009,154Net Assets 2016: $7,669,7882016Assets 2017: $54,463,798Liabilities 2017: $46,866,740Net Assets 2017: $7,597,0582017Assets 2018: $50,775,920Liabilities 2018: $43,483,701Net Assets 2018: $7,292,2192018Assets 2019: $51,004,259Liabilities 2019: $43,783,067Net Assets 2019: $7,221,1922019Assets 2020: $55,777,044Liabilities 2020: $49,290,448Net Assets 2020: $6,486,5962020Assets 2021: $59,766,875Liabilities 2021: $52,983,632Net Assets 2021: $6,783,2432021Assets 2022: $60,219,676Liabilities 2022: $52,946,304Net Assets 2022: $7,273,3722022Assets 2023: $55,383,589Liabilities 2023: $47,779,536Net Assets 2023: $7,604,0532023Assets 2024: $55,894,296Liabilities 2024: $48,026,995Net Assets 2024: $7,867,3012024

Highlighted filing

2022

Assets$60,219,676
Liabilities$52,946,304
Net Assets$7,273,372
Open 2022 Filing

Operations Trend

Revenue Growth44th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,865,4822010Expenses 2011: $1,812,5342011Revenue 2012: $1,887,061Expenses 2012: $1,951,382Net Income 2012: -$64,3212012Revenue 2013: $2,002,047Expenses 2013: $1,927,715Net Income 2013: $74,3322013Revenue 2014: $1,940,935Expenses 2014: $1,961,605Net Income 2014: -$20,6702014Revenue 2015: $2,060,101Expenses 2015: $1,874,207Net Income 2015: $185,8942015Revenue 2016: $2,192,717Expenses 2016: $1,975,398Net Income 2016: $217,3192016Revenue 2017: $2,518,458Expenses 2017: $2,591,189Net Income 2017: -$72,7312017Revenue 2018: $2,261,571Expenses 2018: $2,566,410Net Income 2018: -$304,8392018Revenue 2019: $2,738,326Expenses 2019: $2,809,351Net Income 2019: -$71,0252019Revenue 2020: $2,872,334Expenses 2020: $2,816,120Net Income 2020: $56,2142020Revenue 2021: $2,606,749Expenses 2021: $2,310,102Net Income 2021: $296,6472021Revenue 2022: $2,779,243Expenses 2022: $2,289,113Net Income 2022: $490,1302022Revenue 2023: $3,133,252Expenses 2023: $2,632,571Net Income 2023: $500,6812023Revenue 2024: $3,401,896Expenses 2024: $3,138,648Net Income 2024: $263,2482024

Highlighted filing

2022

Revenue$2,779,243
Expenses$2,289,113
Net Income$490,130
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Feb 28, 2023
Return Version
2022v4.1
Gross Receipts
$2,779,243
Mission and Program Overview

Mission

Credit union - to provide services for approximately 4,020 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$29,070,901$32,188,921▲ $3,118,020
Cash and Non-Interest-Bearing Accounts$18,349,725$14,511,096▼ $3,838,629
Savings and Temporary Cash Investments$2,399,000$5,744,000▲ $3,345,000
Rtn Earn Endowment Incm Other Fnds$3,719,545$4,209,674▲ $490,129
Prepaid Expenses and Deferred Charges$3,752,628$4,056,027▲ $303,399
Cap Stk Tr Prin Current Funds$3,063,698$3,063,698→ $0
Land, Buildings, and Equipment, Net$2,755,467$2,759,690▲ $4,223
Investments Other Securities$2,834,400$335,400▼ $2,499,000
Total Assets$59,766,875$60,219,676▲ $452,801
Other Assets Total$604,754$624,542▲ $19,788
Liabilities
Other Liabilities$52,676,755$52,476,664▼ $200,091
Accounts Payable and Accrued Expenses$306,877$469,640▲ $162,763
Total Liabilities$52,983,632$52,946,304▼ $37,328
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,783,243$7,273,372▲ $490,129
Total Liabilities and Net Assets / Fund Balance$59,766,875$60,219,676▲ $452,801

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,096,167$989,804$3,085,971
Equipment$120,815$596,880$717,695
Land$542,708-$542,708
Compensation and Service Providers
Top Officer Pay8th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tracy FieldsCOOFT$70,786$24,673$95,459
Samantha CantrellCEOFT$69,771$17,308$87,079

Board Members and Trustees

NameTitle
Lynice BroylesBoard Chair
Michael ScharbergBoard Member
Lois Gail KykerBoard Vice C
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,054,839
Investment Income
$280,565
Other Revenue
$443,839
Change in Net Assets
$490,130
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,284,208
Salaries, Compensation, and Employee Benefits$1,004,905
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$767,003-$767,003
Office Expenses-$399,269-$399,269
Interest-$171,840-$171,840
Other Employee Benefits-$156,890-$156,890
Occupancy-$137,796-$137,796
Payroll Taxes-$60,656-$60,656
Pension Plan Contributions-$20,356-$20,356
Other Expenses-$15,000-$15,000
Conferences and Meetings-$11,673-$11,673
All Other Expenses-$-35,548-$-35,548
Total Functional Expenses$0$2,289,113$0$2,289,113
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Other Reported Liabilities

LiabilityAmount
Regular Shares$21,915,104
All Other Shares$20,573,677
Share Drafts$9,987,883
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 manager reviews the form 990. The form 990 is available 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

“Review qualifications, experience, review of compensation survey & local wage scales. Annual evaluation completed by personnel committee.”

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
Greater Eastern Credit Union
EIN
62-0731807
Phone
4232834300
Address
P O BOX 5130, JOHNSON CITY, TN 37602

Signing Officer

Name
Samantha Cantrell
Title
CEO
Phone
4232834300
Signed
2023-02-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Samantha Cantrell
Voting Board Members
4
Independent Board Members
3
Employees
22
Volunteers
4

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 related to duties of the board of directors without compensation.”

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

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“Due to rounding -1 other differences 0 total -1”

Form 990, Part XII

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

Raw XML Appendix343 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02759690
IRS990ScheduleD/TotalLiabilityAmt052476664
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE RELATED TO DUTIES OF THE BOARD OF DIRECTORS WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED 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 MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE 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/ExplanationTxt7REVIEW QUALIFICATIONS, EXPERIENCE, REVIEW OF COMPENSATION SURVEY & LOCAL WAGE SCALES. ANNUAL EVALUATION COMPLETED BY PERSONNEL COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DUE TO ROUNDING -1 OTHER DIFFERENCES 0 TOTAL -1
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
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt059766875
IRS990/TotalAssetsEOYAmt060219676
IRS990/TotalAssetsGrp/BOYAmt059766875
IRS990/TotalAssetsGrp/EOYAmt060219676
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt02289113
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02289113
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt052983632
IRS990/TotalLiabilitiesEOYAmt052946304
IRS990/TotalLiabilitiesGrp/BOYAmt052983632
IRS990/TotalLiabilitiesGrp/EOYAmt052946304
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06783243
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07273372
IRS990/TotalOtherCompensationAmt041981
IRS990/TotalProgramServiceExpensesAmt02289113
IRS990/TotalProgramServiceRevenueAmt02054839
IRS990/TotalReportableCompFromOrgAmt0140557
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02779243
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02779243
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt059766875
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt060219676
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 5130
IRS990/USAddress/CityNm0JOHNSON CITY
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037602
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0WWW.GREATEREASTERN.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SAMANTHA CANTRELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04232834300
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-02-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GREATER EASTERN CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GREA
ReturnHeader/Filer/EIN0620731807
ReturnHeader/Filer/PhoneNum04232834300
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02023-02-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02023-02-28T13:37:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0SAMANTHA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0CANTRELL
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$60,219,676
Liabilities
$52,946,304
Net assets
$7,273,372
Revenue
$2,779,243
Expenses
$2,289,113
Net income
$490,130
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$55.9$48.0$7.87$3.40$3.14$0.26
2023Detailed filing. Detailed filing data is available for this year.$55.4$47.8$7.60$3.13$2.63$0.50
2022Detailed filing. Detailed filing data is available for this year.$60.2$52.9$7.27$2.78$2.29$0.49
2021Detailed filing. Detailed filing data is available for this year.$59.8$53.0$6.78$2.61$2.31$0.30
2020Detailed filing. Detailed filing data is available for this year.$55.8$49.3$6.49$2.87$2.82$0.06
2019Detailed filing. Detailed filing data is available for this year.$51.0$43.8$7.22$2.74$2.81$0.07
2018Detailed filing. Detailed filing data is available for this year.$50.8$43.5$7.29$2.26$2.57$0.30
2017Detailed filing. Detailed filing data is available for this year.$54.5$46.9$7.60$2.52$2.59$0.07
2016Detailed filing. Detailed filing data is available for this year.$51.7$44.0$7.67$2.19$1.98$0.22
2015Detailed filing. Detailed filing data is available for this year.$50.4$43.0$7.45$2.06$1.87$0.19
2014Detailed filing. Detailed filing data is available for this year.$50.2$43.0$7.27$1.94$1.96$0.02
2013Detailed filing. Detailed filing data is available for this year.$50.5$43.2$7.29$2.00$1.93$0.07
2012Summary only. Only limited summary data is available for this year.$52.5$45.3$7.21$1.89$1.95$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.7$45.4$7.28$1.81
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.8$38.5$7.25$1.87