Civic Intelligence

River City United Credit Union

990 • Fiscal year 2013 • EIN 62-0753194

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 05, 2014

Organization Profile
1740 Dayton Blvd37405

(423) 756-2350

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.90x

Higher debt load relative to assets than 73% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

93rd percentile

33.59x

Higher debt load relative to revenue than 93% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

26th percentile

-2.5%

Higher net margin than 26% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

Score unavailable

No value available

A valid growth rate could not be computed from the available filing history.

Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

A valid growth rate could not be computed from the available filing history.

Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$10,652,434

Up $10,652,434 from 2012

Net Assets

Up

$1,087,095

Up $1,087,095 from 2012

Liabilities

Up

$9,565,339

Up $9,565,339 from 2012

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin26th percentile

Revenue

Up

$284,802

Up $284,802 from 2012

Expenses

Up

$291,976

Up $291,976 from 2012

Net Income

Down

-$7,174

Down $7,174 from 2012

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$15M$10M$5.0M$0Assets 2010: $10,650,334Liabilities 2010: $9,544,880Net Assets 2010: $1,105,4542010Assets 2011: $10,432,860Liabilities 2011: $9,338,617Net Assets 2011: $1,094,2432011Assets 2012: $0Liabilities 2012: $0Net Assets 2012: $02012Assets 2013: $10,652,434Liabilities 2013: $9,565,339Net Assets 2013: $1,087,0952013

Highlighted filing

2013

Assets$10,652,434
Liabilities$9,565,339
Net Assets$1,087,095
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2010: $408,1602010Expenses 2011: $368,6812011Revenue 2012: $0Expenses 2012: $0Net Income 2012: $02012Revenue 2013: $284,802Expenses 2013: $291,976Net Income 2013: -$7,1742013

Highlighted filing

2013

Revenue$284,802
Expenses$291,976
Net Income-$7,174
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 5, 2014
Return Version
2013v3.1
Gross Receipts
$284,802
Mission and Program Overview

Mission

Credit union - to provide services for approximately 955 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$4,095,845$4,093,135▼ $2,710
Savings and Temporary Cash Investments$1,940,000$3,278,917▲ $1,338,917
Investments Other Securities$2,717,900$1,722,151▼ $995,749
Cash and Non-Interest-Bearing Accounts$1,333,817$1,305,744▼ $28,073
Rtn Earn Endowment Incm Other Fnds$747,954$740,780▼ $7,174
Cap Stk Tr Prin Current Funds$346,315$346,315→ $0
Land, Buildings, and Equipment, Net$146,508$152,266▲ $5,758
Prepaid Expenses and Deferred Charges$9,822$7,896▼ $1,926
Total Assets$10,333,809$10,652,434▲ $318,625
Other Assets Total$89,917$92,325▲ $2,408
Liabilities
Other Liabilities$9,232,465$9,550,263▲ $317,798
Accounts Payable and Accrued Expenses$7,075$15,076▲ $8,001
Total Liabilities$9,239,540$9,565,339▲ $325,799
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,094,269$1,087,095▼ $7,174
Total Liabilities and Net Assets / Fund Balance$10,333,809$10,652,434▲ $318,625

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$105,288$61,836$167,124
Equipment$13,024$22,281$35,305
Leasehold Improvements$3,954$27,651$31,605
Land$30,000-$30,000
Other Securities$77,121--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Judy W MaynorManagerFT$70,200$70,200

Board Members and Trustees

NameTitle
George T Haupt JrBoard Chairm
Bobby G DossBoard Member
Riley Joe HarveyBoard Member
Carol H TrippBoard Secret
Wanda G CollinsBoard Treasu
Mary M OrtweinBoard Vice C
William H MorrisonBoard Vice P
Kenneth SeepeCredit COM C
David L SmithCredit COM M
Jimmie L GreenCredit COM M
Rodney BuchananCredit COM M
David W HudsonSupervisor C
Danny L BuchananSupervisory
James C AbercrombieSupervisory
Shelba HaskettSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$253,344
Investment Income
$31,458
Other Revenue
$0
Change in Net Assets
$-7,174
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$150,079
Salaries, Compensation, and Employee Benefits$141,897
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$128,575-$128,575
Office Expenses-$54,919-$54,919
Interest-$43,575-$43,575
Occupancy-$15,959-$15,959
Payroll Taxes-$10,228-$10,228
Other Expenses-$5,124-$5,124
All Other Expenses-$4,817-$4,817
Other Employee Benefits-$3,094-$3,094
Conferences and Meetings-$447-$447
Total Functional Expenses$0$291,976$0$291,976
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
All Other Shares$5,358,797
Regular Shares$3,624,013
Nonmember Deposits$306,489
Share Drafts$260,964
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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 2

“Wanda collins shelba doyal treasurer sup com mem sisters”

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

“No review was or will be conducted.”

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

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

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

“The board of directors use a comparison of credit union compensation.”

Form 990, Page 6, Part VI, Line 19

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

Form 990, Part VII

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

Filing and Contact Details

Filer

EIN
62-0753194
Phone
4237562350

Signing Officer

Name
Judy Maynor
Title
Manager
Phone
4237562350
Signed
2014-08-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Judy Maynor
Formed
1992
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
15

Preparer

Preparer
Keith T Mcmurtrie
Phone
8505581102
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”

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

“The credit union does not have any unrelated trade or business income.”

Raw XML AppendixShowing 400 of 432 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/BOYAmt07075
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt015076
IRS990/AccountsReceivableGrp/BOYAmt04095845
IRS990/AccountsReceivableGrp/EOYAmt04093135
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 955 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt04817
IRS990/AllOtherExpensesGrp/TotalAmt04817
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BooksInCareOfDetail/PersonNm0JUDY MAYNOR
IRS990/BooksInCareOfDetail/PhoneNum04237562350
IRS990/BooksInCareOfDetail/USAddress/AddressLine101740 DAYTON BLVD
IRS990/BooksInCareOfDetail/USAddress/City0CHATTANOOGA
IRS990/BooksInCareOfDetail/USAddress/State0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCode037405
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0346315
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0346315
IRS990/CashNonInterestBearingGrp/BOYAmt01333817
IRS990/CashNonInterestBearingGrp/EOYAmt01305744
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0447
IRS990/ConferencesMeetingsGrp/TotalAmt0447
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt031458
IRS990/CYOtherExpensesAmt0150079
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0253344
IRS990/CYRevenuesLessExpensesAmt0-7174
IRS990/CYSalariesCompEmpBnftPaidAmt0141897
IRS990/CYTotalExpensesAmt0291976
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0284802
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0248401
IRS990/FamilyOrBusinessRlnInd0true
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt141.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt151.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
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/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/PersonNm0WANDA G COLLINS
IRS990/Form990PartVIISectionAGrp/PersonNm1BOBBY G DOSS
IRS990/Form990PartVIISectionAGrp/PersonNm2RILEY JOE HARVEY
IRS990/Form990PartVIISectionAGrp/PersonNm3GEORGE T HAUPT JR
IRS990/Form990PartVIISectionAGrp/PersonNm4MARY M ORTWEIN
IRS990/Form990PartVIISectionAGrp/PersonNm5CAROL H TRIPP
IRS990/Form990PartVIISectionAGrp/PersonNm6WILLIAM H MORRISON
IRS990/Form990PartVIISectionAGrp/PersonNm7JUDY W MAYNOR
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES C ABERCROMBIE
IRS990/Form990PartVIISectionAGrp/PersonNm9DANNY L BUCHANAN
IRS990/Form990PartVIISectionAGrp/PersonNm10SHELBA HASKETT
IRS990/Form990PartVIISectionAGrp/PersonNm11DAVID W HUDSON
IRS990/Form990PartVIISectionAGrp/PersonNm12RODNEY BUCHANAN
IRS990/Form990PartVIISectionAGrp/PersonNm13JIMMIE L GREEN
IRS990/Form990PartVIISectionAGrp/PersonNm14KENNETH SEEPE
IRS990/Form990PartVIISectionAGrp/PersonNm15DAVID L SMITH
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt770200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD TREASU
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD CHAIRM
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD VICE C
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD SECRET
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD VICE P
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPERVISOR C
IRS990/Form990PartVIISectionAGrp/TitleTxt12CREDIT COM M
IRS990/Form990PartVIISectionAGrp/TitleTxt13CREDIT COM M
IRS990/Form990PartVIISectionAGrp/TitleTxt14CREDIT COM C
IRS990/Form990PartVIISectionAGrp/TitleTxt15CREDIT COM M
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01992
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0284802
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt043575
IRS990/InterestGrp/TotalAmt043575
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt031458
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt031458
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02717900
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01722151
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0111768
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0146508
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0152266
IRS990/LandBldgEquipCostOrOtherBssAmt0264034
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 955 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01094269
IRS990/NetAssetsOrFundBalancesEOYAmt01087095
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt015959
IRS990/OccupancyGrp/TotalAmt015959
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt054919
IRS990/OfficeExpensesGrp/TotalAmt054919
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt089917
IRS990/OtherAssetsTotalGrp/EOYAmt092325
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt03094
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03094
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1NCUA STABILIZATION FUND
IRS990/OtherExpensesGrp/Desc2PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc3EXAMINATION FEES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt011900
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt17482
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt25856
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt35124
IRS990/OtherExpensesGrp/TotalAmt011900
IRS990/OtherExpensesGrp/TotalAmt17482
IRS990/OtherExpensesGrp/TotalAmt25856
IRS990/OtherExpensesGrp/TotalAmt35124
IRS990/OtherLiabilitiesGrp/BOYAmt09232465
IRS990/OtherLiabilitiesGrp/EOYAmt09550263
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0128575
IRS990/OtherSalariesAndWagesGrp/TotalAmt0128575
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt010228
IRS990/PayrollTaxesGrp/TotalAmt010228
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt09822
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt07896
IRS990/PrincipalOfficerNm0JUDY MAYNOR
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0236852
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt116492
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0236852
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116492
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt043575
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt035770
IRS990/PYOtherExpensesAmt0159423
IRS990/PYProgramServiceRevenueAmt0274303
IRS990/PYRevenuesLessExpensesAmt026
IRS990/PYSalariesCompEmpBnftPaidAmt0150624
IRS990/PYTotalExpensesAmt0310047
IRS990/PYTotalRevenueAmt0310073
IRS990/ReconcilationRevenueExpnssAmt0-7174
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0747954
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0740780
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01940000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03278917
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0105288
IRS990ScheduleD/BuildingsGrp/DepreciationAmt061836
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0167124
IRS990ScheduleD/EquipmentGrp/BookValueAmt013024
IRS990ScheduleD/EquipmentGrp/DepreciationAmt022281
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt035305
IRS990ScheduleD/LandGrp/BookValueAmt030000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt030000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03954
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt027651
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt031605
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05358797
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13624013
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2306489
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3260964
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2NONMEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE DRAFTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01645030
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt177121
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBERSHIP CAPITAL-VCCU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0152266
IRS990ScheduleD/TotalBookValueSecuritiesAmt01722151
IRS990ScheduleD/TotalLiabilityAmt09550263
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED TRADE OR BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2WANDA COLLINS SHELBA DOYAL TREASURER SUP COM MEM SISTERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 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/ExplanationTxt5SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
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 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART VII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt010333809
IRS990/TotalAssetsEOYAmt010652434
IRS990/TotalAssetsGrp/BOYAmt010333809
IRS990/TotalAssetsGrp/EOYAmt010652434
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0291976
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0291976
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09239540
IRS990/TotalLiabilitiesEOYAmt09565339
IRS990/TotalLiabilitiesGrp/BOYAmt09239540
IRS990/TotalLiabilitiesGrp/EOYAmt09565339
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01094269
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01087095
IRS990/TotalProgramServiceExpensesAmt0291976
IRS990/TotalProgramServiceRevenueAmt0253344
IRS990/TotalReportableCompFromOrgAmt070200
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0284802
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0284802
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010333809
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010652434
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101740 DAYTON BLVD
IRS990/USAddress/City0CHATTANOOGA
IRS990/USAddress/State0TN
IRS990/USAddress/ZIPCode037405

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,652,434
Liabilities
$9,565,339
Net assets
$1,087,095
Revenue
$284,802
Expenses
$291,976
Net income
-$7,174
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$10.7$9.57$1.09$0.28$0.29$0.01
2012Summary only. Only limited summary data is available for this year.$0.00$0.00$0.00$0.00$0.00$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$9.34$1.09$0.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$9.54$1.11$0.41