Civic Intelligence

Aub Employees Credit Union

990 • Fiscal year 2016 • EIN 62-0794334

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 17, 2017

Organization Profile
100 Englewood RdAthens, TN 37371

(423) 507-6042

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.77x

Higher debt load relative to assets than 32% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

62nd percentile

19.79x

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

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

53rd percentile

3.8%

Higher net margin than 53% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2016

Asset Growth

61st percentile

1.3%

Faster asset growth than 61% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

9th percentile

-13%

Faster revenue growth than 9% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$1,624,444

Up $20,693 (+1.3%) from 2015

Net Assets

Up

$375,757

Up $4,316 (+1.2%) from 2015

Liabilities

Up

$1,248,687

Up $16,377 (+1.3%) from 2015

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin53rd percentile

Revenue

Down

$63,098

Down $9,111 (-13%) from 2015

Expenses

Down

$60,670

Down $875 (-1.4%) from 2015

Net Income

Down

$2,428

Down $8,236 (-77%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth61st percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $1,138,432Liabilities 2010: $812,760Net Assets 2010: $325,6722010Assets 2011: $1,239,297Liabilities 2011: $912,648Net Assets 2011: $326,6492011Assets 2012: $1,306,231Liabilities 2012: $967,053Net Assets 2012: $339,1782012Assets 2013: $1,472,900Liabilities 2013: $1,122,512Net Assets 2013: $350,3882013Assets 2014: $1,587,824Liabilities 2014: $1,227,047Net Assets 2014: $360,7772014Assets 2015: $1,603,751Liabilities 2015: $1,232,310Net Assets 2015: $371,4412015Assets 2016: $1,624,444Liabilities 2016: $1,248,687Net Assets 2016: $375,7572016Assets 2017: $1,755,151Liabilities 2017: $1,377,522Net Assets 2017: $377,6292017Assets 2018: $1,574,176Liabilities 2018: $1,192,481Net Assets 2018: $381,6952018Assets 2019: $1,590,771Liabilities 2019: $1,207,020Net Assets 2019: $383,7512019Assets 2020: $1,792,029Liabilities 2020: $1,405,756Net Assets 2020: $386,2732020Assets 2021: $1,861,832Liabilities 2021: $1,474,290Net Assets 2021: $387,5422021Assets 2022: $2,012,682Liabilities 2022: $1,624,504Net Assets 2022: $388,1782022Assets 2023: $1,754,257Liabilities 2023: $1,359,406Net Assets 2023: $394,8512023Assets 2024: $1,685,664Liabilities 2024: $1,186,945Net Assets 2024: $498,7192024

Highlighted filing

2016

Assets$1,624,444
Liabilities$1,248,687
Net Assets$375,757
Open 2016 Filing

Operations Trend

Revenue Growth9th percentile

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

$80K$60K$40K$20K$0Expenses 2010: $67,9862010Expenses 2011: $69,8402011Revenue 2012: $76,294Expenses 2012: $63,766Net Income 2012: $12,5282012Revenue 2013: $74,358Expenses 2013: $63,148Net Income 2013: $11,2102013Revenue 2014: $76,509Expenses 2014: $66,120Net Income 2014: $10,3892014Revenue 2015: $72,209Expenses 2015: $61,545Net Income 2015: $10,6642015Revenue 2016: $63,098Expenses 2016: $60,670Net Income 2016: $2,4282016Revenue 2017: $62,104Expenses 2017: $60,232Net Income 2017: $1,8722017Revenue 2018: $69,427Expenses 2018: $65,361Net Income 2018: $4,0662018Revenue 2019: $65,865Expenses 2019: $63,808Net Income 2019: $2,0572019Revenue 2020: $66,661Expenses 2020: $64,138Net Income 2020: $2,5232020Revenue 2021: $64,146Expenses 2021: $62,878Net Income 2021: $1,2682021Revenue 2022: $62,870Expenses 2022: $62,234Net Income 2022: $6362022Revenue 2023: $75,865Expenses 2023: $69,191Net Income 2023: $6,6742023Revenue 2024: $79,676Expenses 2024: $75,795Net Income 2024: $3,8812024

Highlighted filing

2016

Revenue$63,098
Expenses$60,670
Net Income$2,428
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 17, 2017
Return Version
2016v3.0
Gross Receipts
$63,098
Mission and Program Overview

Mission

Credit union - to provide services for approximately 213 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$869,369$892,423▲ $23,054
Cash and Non-Interest-Bearing Accounts$712,216$709,889▼ $2,327
Rtn Earn Endowment Incm Other Fnds$326,245$330,561▲ $4,316
Cap Stk Tr Prin Current Funds$45,196$45,196→ $0
Prepaid Expenses and Deferred Charges$1,397$9,821▲ $8,424
Investments Other Securities$8,538$11▼ $8,527
Total Assets$1,603,751$1,624,444▲ $20,693
Other Assets Total$12,231$12,300▲ $69
Liabilities
Other Liabilities$1,230,035$1,242,527▲ $12,492
Accounts Payable and Accrued Expenses$2,275$6,160▲ $3,885
Total Liabilities$1,232,310$1,248,687▲ $16,377
Net Assets / Fund Balance
Total Net Assets Fund Balance$371,441$375,757▲ $4,316
Total Liabilities and Net Assets / Fund Balance$1,603,751$1,624,444▲ $20,693

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$10,516$10,516
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Myrl VaughnManager/treaPT$16,281$16,281
Melissa Jeanette HuffstetlerAssistant TrPT$8,448$8,448

Board Members and Trustees

NameTitle
Ryne FraizerPresident
Russell ColemanBoard Member
Randy MontgomeryCredit COM C
Craig BrymerCredit COM M
Randell MillsapsCredit COM M
Phyliss WhiteMembership O
Heather HackerSecretary
Amy KizerSecurity Off
John HurstSupervisor C
Jeremy ParsonsSupervisory
Michelle MillsapsSupervisory
Rex WilcoxVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$60,306
Investment Income
$2,668
Other Revenue
$124
Change in Net Assets
$2,428

Audited Revenue Reconciliation

Revenue per Audited Statements
$63,098
Total Revenue per Audited Statements
$63,098
Total Revenue per Form 990
$63,098
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$34,050
Salaries, Compensation, and Employee Benefits$26,620
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$24,729-$24,729
Interest-$12,838-$12,838
Office Expenses-$2,188-$2,188
Payroll Taxes-$1,891-$1,891
Other Expenses-$1,126-$1,126
Conferences and Meetings-$891-$891
Total Functional Expenses$0$60,670$0$60,670

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$60,670
Total Expenses per Audited Statements$60,670
Total Expenses per Form 990$60,670
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$1,242,527
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

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
Aub Employees Credit Union
EIN
62-0794334
Phone
4235076042
Address
100 ENGLEWOOD RD, ATHENS, TN 37371

Signing Officer

Name
Myrl Vaughn
Title
Manager/treasurer
Phone
4235076042
Signed
2017-03-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Myrl Vaughn
Formed
1994
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
13

Preparer

Firm
Leverage the Lscu Service Corporation
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Hiram H Hollifield
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 credti union does not have any unrelated business income.”

Form 990, Part XI, Line 9

“OTHER ADJUSTMENTS 1,888”

Form 990, Part XII

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

Raw XML Appendix392 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/BOYAmt02275
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt06160
IRS990/AccountsReceivableGrp/BOYAmt0869369
IRS990/AccountsReceivableGrp/EOYAmt0892423
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0MYRL VAUGHN
IRS990/BooksInCareOfDetail/PhoneNum04235076042
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0100 ENGLEWOOD ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0ATHENS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037371
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt045196
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt045196
IRS990/CashNonInterestBearingGrp/BOYAmt0712216
IRS990/CashNonInterestBearingGrp/EOYAmt0709889
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0891
IRS990/ConferencesMeetingsGrp/TotalAmt0891
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt02668
IRS990/CYOtherExpensesAmt034050
IRS990/CYOtherRevenueAmt0124
IRS990/CYProgramServiceRevenueAmt060306
IRS990/CYRevenuesLessExpensesAmt02428
IRS990/CYSalariesCompEmpBnftPaidAmt026620
IRS990/CYTotalExpensesAmt060670
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt063098
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/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt012838
IRS990/FamilyOrBusinessRlnInd0false
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/AverageHoursPerWeekRt020.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
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/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
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/OfficerInd9X
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/PersonNm0MYRL VAUGHN
IRS990/Form990PartVIISectionAGrp/PersonNm1MELISSA JEANETTE HUFFSTETLER
IRS990/Form990PartVIISectionAGrp/PersonNm2RYNE FRAIZER
IRS990/Form990PartVIISectionAGrp/PersonNm3REX WILCOX
IRS990/Form990PartVIISectionAGrp/PersonNm4HEATHER HACKER
IRS990/Form990PartVIISectionAGrp/PersonNm5RUSSELL COLEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6JOHN HURST
IRS990/Form990PartVIISectionAGrp/PersonNm7JEREMY PARSONS
IRS990/Form990PartVIISectionAGrp/PersonNm8MICHELLE MILLSAPS
IRS990/Form990PartVIISectionAGrp/PersonNm9RANDY MONTGOMERY
IRS990/Form990PartVIISectionAGrp/PersonNm10RANDELL MILLSAPS
IRS990/Form990PartVIISectionAGrp/PersonNm11CRAIG BRYMER
IRS990/Form990PartVIISectionAGrp/PersonNm12PHYLISS WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm13AMY KIZER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt016281
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18448
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
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/TitleTxt0MANAGER/TREA
IRS990/Form990PartVIISectionAGrp/TitleTxt1ASSISTANT TR
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SUPERVISOR C
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt9CREDIT COM C
IRS990/Form990PartVIISectionAGrp/TitleTxt10CREDIT COM M
IRS990/Form990PartVIISectionAGrp/TitleTxt11CREDIT COM M
IRS990/Form990PartVIISectionAGrp/TitleTxt12MEMBERSHIP O
IRS990/Form990PartVIISectionAGrp/TitleTxt13SECURITY OFF
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01994
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt063098
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt012838
IRS990/InterestGrp/TotalAmt012838
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02668
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02668
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt08538
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt011
IRS990/IRPDocumentCnt0104
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010516
IRS990/LandBldgEquipCostOrOtherBssAmt010516
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingOtherInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 251 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0371441
IRS990/NetAssetsOrFundBalancesEOYAmt0375757
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02188
IRS990/OfficeExpensesGrp/TotalAmt02188
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt012231
IRS990/OtherAssetsTotalGrp/EOYAmt012300
IRS990/OtherChangesInNetAssetsAmt01888
IRS990/OtherExpensesGrp/Desc0MISC OPERATING EXP
IRS990/OtherExpensesGrp/Desc1EXAMINATION FEES
IRS990/OtherExpensesGrp/Desc2EDUCATIONAL & PROMO
IRS990/OtherExpensesGrp/Desc3PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt08570
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt14920
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt23517
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt31126
IRS990/OtherExpensesGrp/TotalAmt08570
IRS990/OtherExpensesGrp/TotalAmt14920
IRS990/OtherExpensesGrp/TotalAmt23517
IRS990/OtherExpensesGrp/TotalAmt31126
IRS990/OtherLiabilitiesGrp/BOYAmt01230035
IRS990/OtherLiabilitiesGrp/EOYAmt01242527
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0124
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0124
IRS990/OtherRevenueTotalAmt0124
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt024729
IRS990/OtherSalariesAndWagesGrp/TotalAmt024729
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01891
IRS990/PayrollTaxesGrp/TotalAmt01891
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01397
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt09821
IRS990/PrincipalOfficerNm0MYRL VAUGHN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt060105
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1201
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt060105
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1201
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt046901
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0959
IRS990/PYOtherExpensesAmt036192
IRS990/PYOtherRevenueAmt0164
IRS990/PYProgramServiceRevenueAmt071086
IRS990/PYRevenuesLessExpensesAmt010664
IRS990/PYSalariesCompEmpBnftPaidAmt025353
IRS990/PYTotalExpensesAmt061545
IRS990/PYTotalRevenueAmt072209
IRS990/ReconcilationRevenueExpnssAmt02428
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0326245
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0330561
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt010516
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010516
IRS990ScheduleD/ExpensesSubtotalAmt060670
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01242527
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/RevenueSubtotalAmt063098
IRS990ScheduleD/TotalExpensesPerForm990Amt060670
IRS990ScheduleD/TotalLiabilityAmt01242527
IRS990ScheduleD/TotalRevenuePerForm990Amt063098
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt063098
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt060670
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDTI UNION DOES NOT HAVE ANY 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 FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OTHER ADJUSTMENTS 1,888
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ANNUAL 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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01603751
IRS990/TotalAssetsEOYAmt01624444
IRS990/TotalAssetsGrp/BOYAmt01603751
IRS990/TotalAssetsGrp/EOYAmt01624444
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt060670
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt060670
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01232310
IRS990/TotalLiabilitiesEOYAmt01248687
IRS990/TotalLiabilitiesGrp/BOYAmt01232310
IRS990/TotalLiabilitiesGrp/EOYAmt01248687
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0371441
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0375757
IRS990/TotalProgramServiceExpensesAmt059739
IRS990/TotalProgramServiceRevenueAmt060306
IRS990/TotalReportableCompFromOrgAmt024729
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt063098
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt063098
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01603751
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01624444
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 689
IRS990/USAddress/CityNm0ATHENS
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037371
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MYRL VAUGHN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum04235076042
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-03-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AUB EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0AUBE
ReturnHeader/Filer/EIN0620794334
ReturnHeader/Filer/PhoneNum04235076042
ReturnHeader/Filer/USAddress/AddressLine1Txt0100 ENGLEWOOD RD
ReturnHeader/Filer/USAddress/CityNm0ATHENS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037371
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0AE5048B6D415D7FCB29770439EB4B6F014EA1C9D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0A012A33FC625D6CFB82F034B8E1A1E82DE2B706B
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0591086132
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02017-03-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HIRAM H HOLLIFIELD
ReturnHeader/ReturnTs02017-03-27T16:21:32+00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,624,444
Liabilities
$1,248,687
Net assets
$375,757
Revenue
$63,098
Expenses
$60,670
Net income
$2,428
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.69$1.19$0.50$0.08$0.08$0.00
2023Detailed filing. Detailed filing data is available for this year.$1.75$1.36$0.39$0.08$0.07$0.01
2022Detailed filing. Detailed filing data is available for this year.$2.01$1.62$0.39$0.06$0.06$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.86$1.47$0.39$0.06$0.06$0.00
2020Detailed filing. Detailed filing data is available for this year.$1.79$1.41$0.39$0.07$0.06$0.00
2019Detailed filing. Detailed filing data is available for this year.$1.59$1.21$0.38$0.07$0.06$0.00
2018Detailed filing. Detailed filing data is available for this year.$1.57$1.19$0.38$0.07$0.07$0.00
2017Detailed filing. Detailed filing data is available for this year.$1.76$1.38$0.38$0.06$0.06$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.62$1.25$0.38$0.06$0.06$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.60$1.23$0.37$0.07$0.06$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.59$1.23$0.36$0.08$0.07$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.47$1.12$0.35$0.07$0.06$0.01
2012Summary only. Only limited summary data is available for this year.$1.31$0.97$0.34$0.08$0.06$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.24$0.91$0.33$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.14$0.81$0.33$0.07