Civic Intelligence

Hurd Employees Credit Union

EIN 62-0791762 • 501(c)14 • Greeneville, TN

Profile

Credit union - to provide services for approximately 490 members in the form of loans, savings, and other financial services.

200 W Church StreetGreeneville, TN 37745-3806
Siviq Scores

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

Liabilities / Assets

22nd percentile

0.66x

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

501(c)14 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

62nd percentile

15.28x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Net Margin

21st percentile

-25%

Higher net margin than 21% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

80th percentile

$32,700

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 19.6% of source-year revenue.

$1M-$5M nonprofits • Source year 2020

Asset Growth

75th percentile

0.8%

Faster asset growth than 75% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

83rd percentile

19%

Faster revenue growth than 83% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Up

$4,394,168

Up $35,354 (+0.8%) from 2022

Liabilities

Up

$2,907,690

Up $83,462 (+3.0%) from 2022

Net Assets

Down

$1,486,478

Down $48,108 (-3.1%) from 2022

Operations
Liabilities / Revenue62nd percentileNet Margin21st percentile

Revenue

Up

$190,329

Up $29,753 (+19%) from 2022

Expenses

Up

$238,434

Up $119,334 (+100%) from 2022

Net Income

Down

-$48,105

Down $89,581 (-216%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth75th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $2,669,499Liabilities 2010: $1,593,215Net Assets 2010: $1,076,2842010Assets 2011: $2,703,425Liabilities 2011: $1,655,271Net Assets 2011: $1,048,1542011Assets 2012: $2,527,989Liabilities 2012: $1,428,074Net Assets 2012: $1,099,9152012Assets 2013: $2,822,446Liabilities 2013: $1,675,821Net Assets 2013: $1,146,6252013Assets 2014: $2,908,858Liabilities 2014: $1,712,577Net Assets 2014: $1,196,2812014Assets 2015: $2,909,650Liabilities 2015: $1,656,870Net Assets 2015: $1,252,7802015Assets 2016: $2,998,522Liabilities 2016: $1,700,337Net Assets 2016: $1,298,1852016Assets 2017: $3,339,126Liabilities 2017: $1,985,177Net Assets 2017: $1,353,9492017Assets 2018: $3,436,204Liabilities 2018: $2,054,429Net Assets 2018: $1,381,7752018Assets 2019: $3,344,747Liabilities 2019: $1,902,827Net Assets 2019: $1,441,9202019Assets 2020: $3,649,324Liabilities 2020: $2,181,319Net Assets 2020: $1,468,0052020Assets 2021: $4,033,988Liabilities 2021: $2,540,882Net Assets 2021: $1,493,1062021Assets 2022: $4,358,814Liabilities 2022: $2,824,228Net Assets 2022: $1,534,5862022Assets 2023: $4,394,168Liabilities 2023: $2,907,690Net Assets 2023: $1,486,4782023

Highlighted filing

2023

Assets$4,394,168
Liabilities$2,907,690
Net Assets$1,486,478
Open 2023 Filing

Operations Trend

Revenue Growth83rd percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $132,6752010Revenue 2011: $165,004Expenses 2011: $194,849Net Income 2011: -$29,8452011Expenses 2012: $110,9822012Revenue 2013: $158,778Expenses 2013: $112,065Net Income 2013: $46,7132013Revenue 2014: $167,197Expenses 2014: $117,540Net Income 2014: $49,6572014Revenue 2015: $169,472Expenses 2015: $112,971Net Income 2015: $56,5012015Revenue 2016: $166,826Expenses 2016: $121,421Net Income 2016: $45,4052016Revenue 2017: $167,473Expenses 2017: $111,708Net Income 2017: $55,7652017Revenue 2018: $169,706Expenses 2018: $141,880Net Income 2018: $27,8262018Revenue 2019: $172,783Expenses 2019: $115,512Net Income 2019: $57,2712019Revenue 2020: $166,976Expenses 2020: $140,893Net Income 2020: $26,0832020Revenue 2021: $159,985Expenses 2021: $134,883Net Income 2021: $25,1022021Revenue 2022: $160,576Expenses 2022: $119,100Net Income 2022: $41,4762022Revenue 2023: $190,329Expenses 2023: $238,434Net Income 2023: -$48,1052023

Highlighted filing

2023

Revenue$190,329
Expenses$238,434
Net Income-$48,105
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$4,394,168
Liabilities
$2,907,690
Net assets
$1,486,478
Revenue
$190,329
Expenses
$238,434
Net income
-$48,105
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$4.39$2.91$1.49$0.19$0.24$0.05
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.36$2.82$1.53$0.16$0.12$0.04
2021Summary only. Only limited summary data is available for this year.$4.03$2.54$1.49$0.16$0.13$0.03
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.65$2.18$1.47$0.17$0.14$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.34$1.90$1.44$0.17$0.12$0.06
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.44$2.05$1.38$0.17$0.14$0.03
2017Summary only. Only limited summary data is available for this year.$3.34$1.99$1.35$0.17$0.11$0.06
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.00$1.70$1.30$0.17$0.12$0.05
2015Detailed filing. Detailed filing data is available for this year.$2.91$1.66$1.25$0.17$0.11$0.06
2014Summary only. Only limited summary data is available for this year.$2.91$1.71$1.20$0.17$0.12$0.05
2013Detailed filing. Detailed filing data is available for this year.$2.82$1.68$1.15$0.16$0.11$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.53$1.43$1.10$0.11
2011Summary only. Only limited summary data is available for this year.$2.70$1.66$1.05$0.17$0.19$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.67$1.59$1.08$0.13
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jun 22, 2021
Return Version
2020v4.0
Gross Receipts
$166,976
Mission and Program Overview

Mission

Credit union - to provide services for approximately 483 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$2,780,196$2,582,873▼ $197,323
Rtn Earn Endowment Incm Other Fnds$1,284,657$1,310,742▲ $26,085
Savings and Temporary Cash Investments$346,750$550,507▲ $203,757
Investments Other Securities$19,570$397,037▲ $377,467
Cap Stk Tr Prin Current Funds$157,263$157,263→ $0
Cash and Non-Interest-Bearing Accounts$168,381$92,482▼ $75,899
Prepaid Expenses and Deferred Charges$1,049$1,146▲ $97
Total Assets$3,344,747$3,649,324▲ $304,577
Other Assets Total$28,801$25,279▼ $3,522
Liabilities
Other Liabilities$1,898,750$2,174,554▲ $275,804
Accounts Payable and Accrued Expenses$4,077$6,765▲ $2,688
Total Liabilities$1,902,827$2,181,319▲ $278,492
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,441,920$1,468,005▲ $26,085
Total Liabilities and Net Assets / Fund Balance$3,344,747$3,649,324▲ $304,577

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$40,855$40,855
Other Securities$19,570--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Carole ThornburgManagerFT$32,700$32,700
Peggy VaughnTreasurerPT$19,500$19,500

Board Members and Trustees

NameTitle
Anthony MorelockPresident
Sandra WellerBoard Member
Roger DenneySecretary
Lola Ann RaderSupervisor C
Carin HinkleSupervisory
Carolyn SeatonSupervisory
Daniel ChandlerVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$160,749
Investment Income
$6,123
Other Revenue
$104
Change in Net Assets
$26,083
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$84,592
Salaries, Compensation, and Employee Benefits$56,301
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$52,200-$52,200
Interest-$38,731-$38,731
Occupancy-$12,064-$12,064
Office Expenses-$9,608-$9,608
Payroll Taxes-$4,101-$4,101
Other Expenses-$1,206-$1,206
Conferences and Meetings-$214-$214
All Other Expenses-$-9,179-$-9,179
Total Functional Expenses$0$140,893$0$140,893
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$1,518,184
Regular Shares$656,370
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.”

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

“The board of directors reviews the compensation for the manager using comparative data for small credit unions.”

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
Hurd Employees Credit Union
EIN
62-0791762
Phone
4236394371
Address
200 W CHURCH STREET, GREENEVILLE, TN 37745-3806

Signing Officer

Name
Carole Thornburg
Title
Manager
Phone
4236394371
Signed
2021-06-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carole Thornburg
Formed
1994
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
4
Employees
2
Volunteers
7

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Marcus King
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 and supervisory committee without compensation.”

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

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“Other adjustments 0 due to rounding 2 total 2”

Form 990, Part XII

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

Raw XML Appendix361 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/BooksInCareOfDetail/PhoneNum04236394371
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IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0102162
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
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IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SUPERVISOR C
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt111779
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0148970
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt111779
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
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IRS990/PYOtherExpensesAmt061573
IRS990/PYOtherRevenueAmt01784
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IRS990/PYSalariesCompEmpBnftPaidAmt053939
IRS990/PYTotalExpensesAmt0115512
IRS990/PYTotalRevenueAmt0172783
IRS990/ReconcilationRevenueExpnssAmt026083
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IRS990/ReportInvestmentsOtherSecInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt040855
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt119570
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE 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.
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/ExplanationTxt7THE BOARD OF DIRECTORS REVIEWS THE COMPENSATION FOR THE MANAGER USING COMPARATIVE DATA FOR SMALL CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9OTHER ADJUSTMENTS 0 DUE TO ROUNDING 2 TOTAL 2
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/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0140893
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt02181319
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IRS990/TotalLiabilitiesGrp/EOYAmt02181319
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01441920
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IRS990/TotalProgramServiceExpensesAmt0140893
IRS990/TotalProgramServiceRevenueAmt0160749
IRS990/TotalReportableCompFromOrgAmt052200
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0166976
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0166976
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03344747
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03649324
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0200 WEST CHURCH STREET
IRS990/USAddress/CityNm0GREENEVILLE
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037745
IRS990/VotingMembersGoverningBodyCnt05
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CAROLE THORNBURG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04236394371
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-06-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HURD EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HURD
ReturnHeader/Filer/EIN0620791762
ReturnHeader/Filer/PhoneNum04236394371
ReturnHeader/Filer/USAddress/AddressLine1Txt0200 W CHURCH STREET
ReturnHeader/Filer/USAddress/CityNm0GREENEVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd0377453806
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/PreparationDt02021-06-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARCUS KING
ReturnHeader/ReturnTs02021-06-22T11:37:11-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CAROLE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0THORNBURG
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

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