Civic Intelligence

Pias Credit Union

EIN 62-0840518 • 501(c)14 • Brentwood, TN

View Organization Page

Profile

Credit union - to provide services for approximately 599 members in the form of loans, savings, and other financial services.

5200 Maryland Way Suite 301Brentwood, TN 37027

www.piascu.org

Siviq Scores

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

Liabilities / Assets

58th percentile

0.83x

Higher debt load relative to assets than 58% of similar nonprofits.

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

Liabilities / Revenue

79th percentile

21.00x

Higher debt load relative to revenue than 79% of similar nonprofits.

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

Net Margin

58th percentile

4.0%

Higher net margin than 58% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

36th percentile

-10%

Faster asset growth than 36% of similar nonprofits.

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

Revenue Growth

58th percentile

3.4%

Faster revenue growth than 58% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$4,043,580

Down $554,223 (-12%) from 2023

Liabilities

Down

$3,271,394

Down $562,070 (-15%) from 2023

Net Assets

Up

$772,186

Up $7,847 (+1.0%) from 2023

Operations
Liabilities / Revenue79th percentileNet Margin58th percentile

Revenue

Up

$185,238

Up $2,734 (+1.5%) from 2023

Expenses

Up

$181,498

Up $6,223 (+3.6%) from 2023

Net Income

Down

$3,740

Down $3,489 (-48%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,732,599Liabilities 2010: $3,828,045Net Assets 2010: $904,5542010Assets 2011: $4,932,598Liabilities 2011: $4,152,443Net Assets 2011: $780,1552011Assets 2012: $4,857,151Liabilities 2012: $4,163,437Net Assets 2012: $693,7142012Assets 2013: $5,169,093Liabilities 2013: $4,444,009Net Assets 2013: $725,0842013Assets 2014: $5,290,780Liabilities 2014: $4,649,060Net Assets 2014: $641,7202014Assets 2015: $5,072,027Liabilities 2015: $4,438,482Net Assets 2015: $633,5452015Assets 2016: $5,152,043Liabilities 2016: $4,529,409Net Assets 2016: $622,6342016Assets 2017: $4,710,734Liabilities 2017: $4,153,886Net Assets 2017: $556,8482017Assets 2018: $4,958,577Liabilities 2018: $4,362,420Net Assets 2018: $596,1572018Assets 2019: $4,884,960Liabilities 2019: $4,245,732Net Assets 2019: $639,2282019Assets 2020: $5,305,992Liabilities 2020: $4,736,636Net Assets 2020: $569,3562020Assets 2021: $5,608,014Liabilities 2021: $4,932,060Net Assets 2021: $675,9542021Assets 2022: $5,126,190Liabilities 2022: $4,364,144Net Assets 2022: $762,0462022Assets 2023: $4,597,803Liabilities 2023: $3,833,464Net Assets 2023: $764,3392023Assets 2024: $4,043,580Liabilities 2024: $3,271,394Net Assets 2024: $772,1862024

Highlighted filing

2024

Assets$4,043,580
Liabilities$3,271,394
Net Assets$772,186
Open 2024 Filing

Operations Trend

Revenue Growth58th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $452,3932010Expenses 2011: $365,0342011Revenue 2012: $319,375Expenses 2012: $351,658Net Income 2012: -$32,2832012Revenue 2013: $292,872Expenses 2013: $272,971Net Income 2013: $19,9012013Revenue 2014: $269,118Expenses 2014: $261,236Net Income 2014: $7,8822014Revenue 2015: $245,539Expenses 2015: $268,114Net Income 2015: -$22,5752015Revenue 2016: $246,289Expenses 2016: $269,691Net Income 2016: -$23,4022016Revenue 2017: $214,913Expenses 2017: $252,528Net Income 2017: -$37,6152017Revenue 2018: $213,982Expenses 2018: $234,172Net Income 2018: -$20,1902018Revenue 2019: $219,868Expenses 2019: $229,545Net Income 2019: -$9,6772019Revenue 2020: $191,348Expenses 2020: $215,825Net Income 2020: -$24,4772020Revenue 2021: $187,709Expenses 2021: $222,659Net Income 2021: -$34,9502021Revenue 2022: $176,438Expenses 2022: $206,830Net Income 2022: -$30,3922022Revenue 2023: $182,504Expenses 2023: $175,275Net Income 2023: $7,2292023Revenue 2024: $185,238Expenses 2024: $181,498Net Income 2024: $3,7402024

Highlighted filing

2024

Revenue$185,238
Expenses$181,498
Net Income$3,740
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$4,043,580
Liabilities
$3,271,394
Net assets
$772,186
Revenue
$185,238
Expenses
$181,498
Net income
$3,740
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.04$3.27$0.77$0.19$0.18$0.00
2023Detailed filing. Detailed filing data is available for this year.$4.60$3.83$0.76$0.18$0.18$0.01
2022Detailed filing. Detailed filing data is available for this year.$5.13$4.36$0.76$0.18$0.21$0.03
2021Detailed filing. Detailed filing data is available for this year.$5.61$4.93$0.68$0.19$0.22$0.03
2020Detailed filing. Detailed filing data is available for this year.$5.31$4.74$0.57$0.19$0.22$0.02
2019Detailed filing. Detailed filing data is available for this year.$4.88$4.25$0.64$0.22$0.23$0.01
2018Detailed filing. Detailed filing data is available for this year.$4.96$4.36$0.60$0.21$0.23$0.02
2017Detailed filing. Detailed filing data is available for this year.$4.71$4.15$0.56$0.21$0.25$0.04
2016Detailed filing. Detailed filing data is available for this year.$5.15$4.53$0.62$0.25$0.27$0.02
2015Detailed filing. Detailed filing data is available for this year.$5.07$4.44$0.63$0.25$0.27$0.02
2014Detailed filing. Detailed filing data is available for this year.$5.29$4.65$0.64$0.27$0.26$0.01
2013Detailed filing. Detailed filing data is available for this year.$5.17$4.44$0.73$0.29$0.27$0.02
2012Summary only. Only limited summary data is available for this year.$4.86$4.16$0.69$0.32$0.35$0.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.93$4.15$0.78$0.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.73$3.83$0.90$0.45
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 7, 2025
Return Version
2024v5.0
Gross Receipts
$185,238
Mission and Program Overview

Mission

Credit union - to provide services for approximately 1,510 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$2,322,640$2,428,663▲ $106,023
Savings and Temporary Cash Investments$1,900,000$1,150,000▼ $750,000
Rtn Earn Endowment Incm Other Fnds$764,339$772,186▲ $7,847
Cash and Non-Interest-Bearing Accounts$117,435$214,707▲ $97,272
Prepaid Expenses and Deferred Charges$161,487$162,325▲ $838
Investments Other Securities$38,430$38,430→ $0
Land, Buildings, and Equipment, Net$1,398$753▼ $645
Total Assets$4,597,803$4,043,580▼ $554,223
Other Assets Total$56,413$48,702▼ $7,711
Liabilities
Other Liabilities$3,823,205$3,261,719▼ $561,486
Accounts Payable and Accrued Expenses$10,259$9,675▼ $584
Total Liabilities$3,833,464$3,271,394▼ $562,070
Net Assets / Fund Balance
Total Net Assets Fund Balance$764,339$772,186▲ $7,847
Total Liabilities and Net Assets / Fund Balance$4,597,803$4,043,580▼ $554,223

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$753$11,892$12,645
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Tom HaleyChairman
Allen CardenVice Chairma
Dale Hunt Nichols JrBoard Member
Patrice D DawsBoard Member
Robin NosbischBoard Member
Tommy McewenBoard Member
Ed ChalifouxCEO & Sec/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$141,995
Investment Income
$31,933
Other Revenue
$11,310
Change in Net Assets
$3,740
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$95,981
Other Expenses$85,517
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$83,773-$83,773
Occupancy-$18,523-$18,523
Office Expenses-$12,039-$12,039
Payroll Taxes-$6,497-$6,497
Interest-$5,898-$5,898
Other Employee Benefits-$5,711-$5,711
Other Expenses-$2,500-$2,500
All Other Expenses-$615-$615
Total Functional Expenses$0$181,498$0$181,498
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$2,240,265
All Other Shares$952,921
Share Drafts$68,533
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”

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

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

Form 990, Page 6, Part VI, Line 19

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

Filing and Contact Details

Filer

Filer Name
Pias Credit Union
EIN
62-0840518
Phone
6153609951
Address
5200 MARYLAND WAY SUITE 301, BRENTWOOD, TN 37027

Signing Officer

Name
Ed Chalifoux
Title
CEO & Sec/treasurer
Phone
6153609951
Signed
2025-04-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ed Chalifoux
Formed
1961
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
7

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 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 comprehensive income 4,107 loss on pension plan 0 due to rounding 0 other comprehensive income 0 total 4,107”

Form 990, Part XII

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

Raw XML Appendix344 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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IRS990/PYTotalExpensesAmt0175275
IRS990/PYTotalRevenueAmt0182504
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt011892
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt012645
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02240265
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1952921
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt268533
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
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IRS990ScheduleD/TotalLiabilityAmt03261719
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS 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 EVERY YEAR.
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/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8OTHER COMPREHENSIVE INCOME 4,107 LOSS ON PENSION PLAN 0 DUE TO ROUNDING 0 OTHER COMPREHENSIVE INCOME 0 TOTAL 4,107
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0181498
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IRS990/TotalProgramServiceExpensesAmt0181498
IRS990/TotalProgramServiceRevenueAmt0141995
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0185238
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0185238
IRS990/TotalVolunteersCnt07
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05200 MARYLAND WAY SUITE 301
IRS990/USAddress/CityNm0BRENTWOOD
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IRS990/USAddress/ZIPCd037027
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IRS990/WebsiteAddressTxt0WWW.PIASCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ED CHALIFOUX
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO & SEC/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06153609951
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PIAS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PIAS
ReturnHeader/Filer/EIN0620840518
ReturnHeader/Filer/PhoneNum06153609951
ReturnHeader/Filer/USAddress/AddressLine1Txt05200 MARYLAND WAY SUITE 301
ReturnHeader/Filer/USAddress/CityNm0BRENTWOOD
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
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/PreparationDt02025-04-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-04-07T17:33:41-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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