Civic Intelligence

Greeneville City Employees

EIN 62-0787014 • 501(c)14 • Greeneville, TN

Profile

Credit union - to provide services for approximately 1,499 members in the form of loans, savings, and other financial services.

310 South Main Street Suite 3Greeneville, TN 37743
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

14th percentile

0.71x

Higher debt load relative to assets than 14% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

24th percentile

12.19x

Higher debt load relative to revenue than 24% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

97th percentile

37%

Higher net margin than 97% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

56th percentile

$87,962

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 11.2% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

85th percentile

7.0%

Faster asset growth than 85% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

71st percentile

13%

Faster revenue growth than 71% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets14th percentile

Assets

Up

$12,625,849

Up $401,105 (+3.3%) from 2023

Liabilities

Up

$8,987,631

Up $143,816 (+1.6%) from 2023

Net Assets

Up

$3,638,218

Up $257,289 (+7.6%) from 2023

Operations
Liabilities / Revenue24th percentileNet Margin97th percentile

Revenue

Up

$695,627

Up $150,572 (+28%) from 2023

Expenses

Up

$438,339

Up $61,606 (+16%) from 2023

Net Income

Up

$257,288

Up $88,966 (+53%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $7,263,362Liabilities 2010: $5,576,703Net Assets 2010: $1,686,6592010Assets 2011: $8,027,019Liabilities 2011: $6,234,357Net Assets 2011: $1,792,6622011Assets 2012: $8,468,320Liabilities 2012: $6,545,995Net Assets 2012: $1,922,3252012Assets 2013: $8,973,129Liabilities 2013: $6,904,319Net Assets 2013: $2,068,8102013Assets 2014: $9,266,410Liabilities 2014: $7,052,904Net Assets 2014: $2,213,5062014Assets 2015: $9,512,761Liabilities 2015: $7,184,816Net Assets 2015: $2,327,9452015Assets 2016: $9,742,488Liabilities 2016: $7,296,316Net Assets 2016: $2,446,1722016Assets 2017: $10,249,366Liabilities 2017: $7,655,949Net Assets 2017: $2,593,4172017Assets 2018: $10,652,515Liabilities 2018: $7,946,251Net Assets 2018: $2,706,2642018Assets 2019: $10,872,390Liabilities 2019: $8,057,706Net Assets 2019: $2,814,6842019Assets 2020: $11,641,581Liabilities 2020: $8,694,237Net Assets 2020: $2,947,3442020Assets 2021: $12,339,661Liabilities 2021: $9,267,470Net Assets 2021: $3,072,1912021Assets 2022: $12,593,372Liabilities 2022: $9,380,765Net Assets 2022: $3,212,6072022Assets 2023: $12,224,744Liabilities 2023: $8,843,815Net Assets 2023: $3,380,9292023Assets 2024: $12,625,849Liabilities 2024: $8,987,631Net Assets 2024: $3,638,2182024

Highlighted filing

2024

Assets$12,625,849
Liabilities$8,987,631
Net Assets$3,638,218
Open 2024 Filing

Operations Trend

Revenue Growth71st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$800K$600K$400K$200K$0Expenses 2010: $264,0282010Expenses 2011: $254,0542011Expenses 2012: $227,7632012Revenue 2013: $373,434Expenses 2013: $226,938Net Income 2013: $146,4962013Revenue 2014: $355,112Expenses 2014: $210,427Net Income 2014: $144,6852014Revenue 2015: $331,676Expenses 2015: $217,237Net Income 2015: $114,4392015Revenue 2016: $343,520Expenses 2016: $225,293Net Income 2016: $118,2272016Revenue 2017: $383,004Expenses 2017: $235,759Net Income 2017: $147,2452017Revenue 2018: $413,364Expenses 2018: $300,517Net Income 2018: $112,8472018Revenue 2019: $454,131Expenses 2019: $345,711Net Income 2019: $108,4202019Revenue 2020: $448,274Expenses 2020: $315,614Net Income 2020: $132,6602020Revenue 2021: $422,009Expenses 2021: $297,162Net Income 2021: $124,8472021Revenue 2022: $417,088Expenses 2022: $276,672Net Income 2022: $140,4162022Revenue 2023: $545,055Expenses 2023: $376,733Net Income 2023: $168,3222023Revenue 2024: $695,627Expenses 2024: $438,339Net Income 2024: $257,2882024

Highlighted filing

2024

Revenue$695,627
Expenses$438,339
Net Income$257,288
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,625,849
Liabilities
$8,987,631
Net assets
$3,638,218
Revenue
$695,627
Expenses
$438,339
Net income
$257,288
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$12.6$8.99$3.64$0.70$0.44$0.26
2023Detailed filing. Detailed filing data is available for this year.$12.2$8.84$3.38$0.55$0.38$0.17
2022Detailed filing. Detailed filing data is available for this year.$12.6$9.38$3.21$0.42$0.28$0.14
2021Detailed filing. Detailed filing data is available for this year.$12.3$9.27$3.07$0.42$0.30$0.12
2020Detailed filing. Detailed filing data is available for this year.$11.6$8.69$2.95$0.45$0.32$0.13
2019Detailed filing. Detailed filing data is available for this year.$10.9$8.06$2.81$0.45$0.35$0.11
2018Detailed filing. Detailed filing data is available for this year.$10.7$7.95$2.71$0.41$0.30$0.11
2017Detailed filing. Detailed filing data is available for this year.$10.2$7.66$2.59$0.38$0.24$0.15
2016Detailed filing. Detailed filing data is available for this year.$9.74$7.30$2.45$0.34$0.23$0.12
2015Detailed filing. Detailed filing data is available for this year.$9.51$7.18$2.33$0.33$0.22$0.11
2014Detailed filing. Detailed filing data is available for this year.$9.27$7.05$2.21$0.36$0.21$0.14
2013Detailed filing. Detailed filing data is available for this year.$8.97$6.90$2.07$0.37$0.23$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.47$6.55$1.92$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.03$6.23$1.79$0.25
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.26$5.58$1.69$0.26
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.0
Gross Receipts
$695,627
Mission and Program Overview

Mission

Credit union - to provide services for approximately 1,582 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$8,986,461$8,603,393▼ $383,068
Rtn Earn Endowment Incm Other Fnds$3,380,929$3,638,218▲ $257,289
Savings and Temporary Cash Investments$2,297,645$2,579,451▲ $281,806
Cash and Non-Interest-Bearing Accounts$726,502$1,221,297▲ $494,795
Investments Other Securities$51,647$51,647→ $0
Prepaid Expenses and Deferred Charges$11,436$8,228▼ $3,208
Land, Buildings, and Equipment, Net-$402-
Total Assets$12,224,744$12,625,849▲ $401,105
Other Assets Total$151,053$161,431▲ $10,378
Liabilities
Other Liabilities$8,726,560$8,866,068▲ $139,508
Accounts Payable and Accrued Expenses$117,255$121,563▲ $4,308
Total Liabilities$8,843,815$8,987,631▲ $143,816
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,380,929$3,638,218▲ $257,289
Total Liabilities and Net Assets / Fund Balance$12,224,744$12,625,849▲ $401,105

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$402$63,882$64,284
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
April HumphreysTreasurer/maFT$72,650$7,920$80,570

Board Members and Trustees

NameTitle
Mike FrenchBoard Presid
Stephen HixsonBoard Secret
John HuffineBoard Vice P
Justin ReavesCredit COM M
Amy TweedCredit Comm
Bonnie JohnsonCredit Comm
Gina HoltCredit Comm
Maxine CarterCredit Comm
Alan ShipleyEducation Ch
Jerry BirdSupervisor C
Chris MillerSupervisory
Eric PriceSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$553,516
Investment Income
$139,447
Other Revenue
$2,664
Change in Net Assets
$257,288
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$253,446
Salaries, Compensation, and Employee Benefits$184,893
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest-$205,687-$205,687
Other Salaries and Wages-$157,498-$157,498
Office Expenses-$15,312-$15,312
Pension Plan Contributions-$13,170-$13,170
Payroll Taxes-$12,202-$12,202
Conferences and Meetings-$3,126-$3,126
Other Expenses-$3,108-$3,108
Occupancy-$2,304-$2,304
Other Employee Benefits-$2,023-$2,023
All Other Expenses-$-432-$-432
Total Functional Expenses$0$438,339$0$438,339
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$4,885,077
Regular Shares$3,980,991
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 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

“The board of directors refers to the cuna staff salary - less than 50 million in assets report.”

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
Greeneville City Employees
EIN
62-0787014
Phone
4236390907
Address
310 SOUTH MAIN STREET SUITE 3, GREENEVILLE, TN 37743

Signing Officer

Name
April Humphreys
Title
Treasurer/manager
Phone
4236390907
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
April Humphreys
Formed
1993
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
4
Employees
4
Volunteers
12

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 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 had no unrelated income.”

Form 990, Part XI, Line 9

“DUE TO ROUNDING 1”

Form 990, Part XII

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

Raw XML Appendix389 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 ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED 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 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/ExplanationTxt7THE BOARD OF DIRECTORS REFERS TO THE CUNA STAFF SALARY - LESS THAN 50 MILLION IN ASSETS REPORT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DUE TO ROUNDING 1
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ANNUAL AGREED UPON PROCEDURES ARE PEERFORMED BY AN INDEPENDENT AUDITOR.
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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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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
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ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
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ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-05-13T12:05:10-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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