Civic Intelligence

Greater Eastern Credit Union

990 • Fiscal year 2025 • EIN 62-0731807

Jan 01, 2025 to Dec 31, 2025 • Filed on Apr 02, 2026

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

91st percentile

0.86x

Higher debt load relative to assets than 91% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

97th percentile

13.68x

Higher debt load relative to revenue than 97% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Net Margin

33rd percentile

1.9%

Higher net margin than 33% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

17th percentile

$128,517

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

2025 filings • $50M-$100M nonprofits • Source year 2025

Asset Growth

28th percentile

1.2%

Faster asset growth than 28% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

39th percentile

4.5%

Faster revenue growth than 39% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$56,546,787

Up $652,491 (+1.2%) from 2024

Net Assets

Up

$7,933,685

Up $66,384 (+0.8%) from 2024

Liabilities

Up

$48,613,102

Up $586,107 (+1.2%) from 2024

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin33rd percentile

Revenue

Up

$3,554,310

Up $152,414 (+4.5%) from 2024

Expenses

Up

$3,487,924

Up $349,276 (+11%) from 2024

Net Income

Down

$66,386

Down $196,862 (-75%) from 2024

Historical Trend

Balance Sheet Trend

Asset Growth28th 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: $7,867,3012024Assets 2025: $56,546,787Liabilities 2025: $48,613,102Net Assets 2025: $7,933,6852025

Highlighted filing

2025

Assets$56,546,787
Liabilities$48,613,102
Net Assets$7,933,685
Open 2025 Filing

Operations Trend

Revenue Growth39th 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: $263,2482024Revenue 2025: $3,554,310Expenses 2025: $3,487,924Net Income 2025: $66,3862025

Highlighted filing

2025

Revenue$3,554,310
Expenses$3,487,924
Net Income$66,386
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Apr 2, 2026
Return Version
2025v4.0
Gross Receipts
$3,554,310
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$36,873,125$37,507,433▲ $634,308
Cash and Non-Interest-Bearing Accounts$6,728,674$8,203,280▲ $1,474,606
Rtn Earn Endowment Incm Other Fnds$4,803,603$4,869,987▲ $66,384
Prepaid Expenses and Deferred Charges$4,312,000$4,706,386▲ $394,386
Cap Stk Tr Prin Current Funds$3,063,698$3,063,698→ $0
Land, Buildings, and Equipment, Net$2,822,391$2,727,546▼ $94,845
Savings and Temporary Cash Investments$4,249,000$2,499,000▼ $1,750,000
Investments Other Securities$335,400$335,400→ $0
Total Assets$55,894,296$56,546,787▲ $652,491
Other Assets Total$573,706$567,742▼ $5,964
Liabilities
Other Liabilities$47,873,924$48,381,895▲ $507,971
Accounts Payable and Accrued Expenses$153,071$231,207▲ $78,136
Total Liabilities$48,026,995$48,613,102▲ $586,107
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,867,301$7,933,685▲ $66,384
Total Liabilities and Net Assets / Fund Balance$55,894,296$56,546,787▲ $652,491

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,129,043$1,187,095$3,316,138
Equipment$55,795$490,595$546,390
Land$542,708-$542,708
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Samantha CantrellCEOFT$108,614$19,903$128,517
Tracy FieldsCOOFT$91,597$25,990$117,587

Board Members and Trustees

NameTitle
Lynice BroylesBoard Chair
Alex DanceBoard Member
Michael ScharbergBoard Secret
Robert HesterBoard Treasu
Lois Gail KykerBoard Vice C
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,751,405
Investment Income
$341,181
Other Revenue
$461,724
Change in Net Assets
$66,386
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,048,948
Salaries, Compensation, and Employee Benefits$1,438,976
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$993,780-$993,780
Office Expenses-$407,664-$407,664
Other Employee Benefits-$340,434-$340,434
Interest-$293,501-$293,501
Occupancy-$198,499-$198,499
Other Expenses-$155,436-$155,436
Payroll Taxes-$78,623-$78,623
All Other Expenses-$45,351-$45,351
Pension Plan Contributions-$26,139-$26,139
Conferences and Meetings-$11,071-$11,071
Total Functional Expenses$0$3,487,924$0$3,487,924
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$20,337,588
All Other Shares$16,600,351
Share Drafts$11,443,956
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
2026-04-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Samantha Cantrell
Voting Board Members
5
Independent Board Members
5
Employees
25
Volunteers
5

Preparer

Firm
Credit Union Audit Group
Address
1709 HERMITAGE BLVD SUITE 200, TALLAHASSEE, FL 32308
Preparer
Marcus King
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, Part XI, Line 9

“Due to rounding -2 acct adj - cecl 0 total -2”

Form 990, Part XII

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

Raw XML Appendix354 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.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE RELATED TO DUTIES OF THE BOARD OF DIRECTORS WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 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/ExplanationTxt3SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6REVIEW QUALIFICATIONS, EXPERIENCE, REVIEW OF COMPENSATION SURVEY & LOCAL WAGE SCALES. ANNUAL EVALUATION COMPLETED BY PERSONNEL COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DUE TO ROUNDING -2 ACCT ADJ - CECL 0 TOTAL -2
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0SAMANTHA CANTRELL
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ReturnHeader/BusinessOfficerGrp/SignatureDt02026-04-02
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01709 HERMITAGE BLVD SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
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ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02026-04-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARCUS KING
ReturnHeader/ReturnTs02026-04-02T11:18:12-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$56,546,787
Liabilities
$48,613,102
Net assets
$7,933,685
Revenue
$3,554,310
Expenses
$3,487,924
Net income
$66,386
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$56.5$48.6$7.93$3.55$3.49$0.07
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