Civic Intelligence

Consumer Credit Union

990 • Fiscal year 2013 • EIN 62-0962107

Jan 01, 2013 to Dec 31, 2013 • Filed on May 12, 2014

Organization Profilewww.consumercreditunion.com

View Organization Page

3634 E Andrew Johnson Hwy37745

(423) 639-6131

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.89x

Higher debt load relative to assets than 43% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

78th percentile

21.69x

Higher debt load relative to revenue than 78% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

80th percentile

21%

Higher net margin than 80% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

19th percentile

$264,503

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

97th percentile

18%

Faster asset growth than 97% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$333,107,071

Up $49,888,483 (+18%) from 2012

Net Assets

Up

$35,849,229

Up $3,303,560 (+10%) from 2012

Liabilities

Up

$297,257,842

Up $46,584,923 (+19%) from 2012

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin80th percentile

Revenue

$13,705,703

No earlier filing loaded for comparison.

Expenses

Up

$10,787,361

Up $2,093,839 (+24%) from 2012

Net Income

$2,918,342

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$800M$600M$400M$200M$0Assets 2010: $244,772,514Liabilities 2010: $218,811,773Net Assets 2010: $25,960,7412010Assets 2011: $264,327,070Liabilities 2011: $235,017,940Net Assets 2011: $29,309,1302011Assets 2012: $283,218,588Liabilities 2012: $250,672,919Net Assets 2012: $32,545,6692012Assets 2013: $333,107,071Liabilities 2013: $297,257,842Net Assets 2013: $35,849,2292013Assets 2014: $355,946,616Liabilities 2014: $317,139,467Net Assets 2014: $38,807,1492014Assets 2015: $369,674,804Liabilities 2015: $329,072,775Net Assets 2015: $40,602,0292015Assets 2016: $386,237,346Liabilities 2016: $345,617,373Net Assets 2016: $40,619,9732016Assets 2017: $426,730,183Liabilities 2017: $383,282,324Net Assets 2017: $43,447,8592017Assets 2018: $450,881,230Liabilities 2018: $405,892,766Net Assets 2018: $44,988,4642018Assets 2019: $490,308,341Liabilities 2019: $441,476,890Net Assets 2019: $48,831,4512019Assets 2020: $542,664,942Liabilities 2020: $491,459,679Net Assets 2020: $51,205,2632020Assets 2021: $557,161,210Liabilities 2021: $506,715,553Net Assets 2021: $50,445,6572021Assets 2022: $603,731,277Liabilities 2022: $563,150,303Net Assets 2022: $40,580,9742022Assets 2023: $628,277,279Liabilities 2023: $581,133,808Net Assets 2023: $47,143,4712023Assets 2024: $618,912,601Liabilities 2024: $569,096,892Net Assets 2024: $49,815,7092024

Highlighted filing

2013

Assets$333,107,071
Liabilities$297,257,842
Net Assets$35,849,229
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $9,309,2482010Expenses 2011: $9,164,8032011Expenses 2012: $8,693,5222012Revenue 2013: $13,705,703Expenses 2013: $10,787,361Net Income 2013: $2,918,3422013Revenue 2014: $12,465,333Expenses 2014: $10,506,944Net Income 2014: $1,958,3892014Revenue 2015: $12,396,289Expenses 2015: $10,609,244Net Income 2015: $1,787,0452015Revenue 2016: $12,662,526Expenses 2016: $11,040,129Net Income 2016: $1,622,3972016Revenue 2017: $14,172,944Expenses 2017: $11,995,112Net Income 2017: $2,177,8322017Revenue 2018: $16,266,810Expenses 2018: $14,027,912Net Income 2018: $2,238,8982018Revenue 2019: $17,658,027Expenses 2019: $15,587,250Net Income 2019: $2,070,7772019Revenue 2020: $16,857,145Expenses 2020: $15,683,565Net Income 2020: $1,173,5802020Revenue 2021: $15,832,085Expenses 2021: $14,271,617Net Income 2021: $1,560,4682021Revenue 2022: $20,055,124Expenses 2022: $16,324,737Net Income 2022: $3,730,3872022Revenue 2023: $26,237,078Expenses 2023: $22,167,798Net Income 2023: $4,069,2802023Revenue 2024: $27,294,510Expenses 2024: $25,260,357Net Income 2024: $2,034,1532024

Highlighted filing

2013

Revenue$13,705,703
Expenses$10,787,361
Net Income$2,918,342
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 12, 2014
Return Version
2013v3.0
Gross Receipts
$52,776,757
Mission and Program Overview

Mission

Provide financial services for members (37,307 as of 12/31/20) including loans, savings and checking accounts, certificates of deposits, iras, ect. Also provide other services such as atm/debit cards, credit cards, travel cards, money orders, lock boxes, and stamps.

Financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$177,050,815$237,176,613▲ $60,125,798
Investments in Publicly Traded Securities$72,925,491$59,208,199▼ $13,717,292
Rtn Earn Endowment Incm Other Fnds$21,636,263$24,106,297▲ $2,470,034
Land, Buildings, and Equipment, Net$10,086,560$13,543,487▲ $3,456,927
Cap Stk Tr Prin Current Funds$10,909,406$11,742,932▲ $833,526
Cash and Non-Interest-Bearing Accounts$4,763,328$7,691,820▲ $2,928,492
Savings and Temporary Cash Investments$7,349,332$4,302,652▼ $3,046,680
Intangible Assets$121,575$302,602▲ $181,027
Prepaid Expenses and Deferred Charges$70,114$155,527▲ $85,413
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$283,218,588$333,107,071▲ $49,888,483
Other Assets Total$10,851,373$10,726,171▼ $125,202
Liabilities
Other Liabilities$248,260,417$294,739,628▲ $46,479,211
Accounts Payable and Accrued Expenses$2,317,858$2,518,214▲ $200,356
Deferred Revenue$94,644--
Total Liabilities$250,672,919$297,257,842▲ $46,584,923
Net Assets / Fund Balance
Total Net Assets Fund Balance$32,545,669$35,849,229▲ $3,303,560
Total Liabilities and Net Assets / Fund Balance$283,218,588$333,107,071▲ $49,888,483

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,661,277$2,363,174$12,024,451
Equipment$1,258,803$2,508,952$3,767,755
Land$2,606,350-$2,606,350
Other Land Buildings$17,057$156,277$173,334
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sam MillerPresidentFT$247,003$17,500$264,503
Rebecca MontgomerySenior Vice-PresidentFT$130,466-$130,466
Leroy GrayExecutive VPFT$124,665-$124,665

Board Members and Trustees

NameTitle
Royce GrahamBoard Chairman
Marcia WhaleyBoard Vice Chairman
Charles DawsonBoard Member
Harold AndrewBoard Member
Larry CoughlinBoard Member
Richard SimpsonBoard Member
Jack CreedBoard Secretary
Andrew RennerBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,466,166
Investment Income
$1,610,228
Other Revenue
$4,629,309
Change in Net Assets
$2,918,342

Audited Revenue Reconciliation

Revenue per Audited Statements
$13,705,703
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$13,705,703
Total Revenue per Form 990
$13,705,703
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,299,136
Salaries, Compensation, and Employee Benefits$4,452,225
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,816,481
Interest---$1,736,321
Information Technology---$1,172,720
Office Expenses---$1,162,688
Other Employee Benefits---$793,663
Depreciation Depletion---$545,703
Occupancy---$534,172
Current Officers, Directors, Trustees, and Key Employees---$389,168
Advertising---$252,017
Other Expenses---$229,498
Pension Plan Contributions---$228,000
Payroll Taxes---$224,913
All Other Expenses---$223,245
Insurance---$183,980
Conferences and Meetings---$38,182
Fees for Services Accounting---$36,359
Benefits to Members---$36,000
Travel---$30,666
Fees for Services Legal---$1,085
Total Functional Expenses$0$0$0$10,787,361

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$10,787,361
Total Expenses per Audited Statements$10,787,361
Total Expenses per Form 990$10,787,361
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Shares and Deposits$294,739,628
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
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, Part VI, Section A, Line 4

“Change of field of membership due to merger with covenant health credit union”

Form 990, Part VI, Section A, Line 6

“46,146 members as of 12/31/13”

Form 990, Part VI, Section A, Line 7A

“Members vote by mail ballot annually for open positions on the board of directors”

Form 990, Part VI, Section A, Line 7B

“Certain situations (such as mergers) require the vote of the membership”

Form 990, Part VI, Section B, Line 11B

“NO REVIEW IS CONDUCTED”

Form 990, Part VI, Section C, Line 19

“Documents would be made available upon request”

Filing and Contact Details

Filer

EIN
62-0962107
Phone
4236396131

Signing Officer

Name
Susan Acuff
Title
Senior VP/CFO
Phone
4236396131
Signed
2014-05-12

Organization Details

Principal Officer
Sam Miller
Formed
1953
Legal Domicile
Tn
Voting Board Members
10
Independent Board Members
9
Employees
98
Volunteers
11
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Equity acquired in merger with Covenant Health Credit Union”

Financial Statement Notes

Schedule D, Part XI, Line 2D

“Equity acquired in merger with covenant health credit union”

Raw XML AppendixShowing 400 of 499 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/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02317858
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02518214
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Financial services
IRS990/AddressChangeInd0X
IRS990/AdvertisingGrp/TotalAmt0252017
IRS990/AllOtherExpensesGrp/TotalAmt0223245
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt036000
IRS990/BooksInCareOfDetail/PersonNm0Susan Acuff
IRS990/BooksInCareOfDetail/PhoneNum04236396131
IRS990/BooksInCareOfDetail/USAddress/AddressLine103634 E Andrew Johnson Hwy
IRS990/BooksInCareOfDetail/USAddress/City0Greeneville
IRS990/BooksInCareOfDetail/USAddress/State0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCode037745
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt010909406
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt011742932
IRS990/CashNonInterestBearingGrp/BOYAmt04763328
IRS990/CashNonInterestBearingGrp/EOYAmt07691820
IRS990/ChangeToOrgDocumentsInd01
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0389168
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt038182
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt036000
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01610228
IRS990/CYOtherExpensesAmt06299136
IRS990/CYOtherRevenueAmt04629309
IRS990/CYProgramServiceRevenueAmt07466166
IRS990/CYRevenuesLessExpensesAmt02918342
IRS990/CYSalariesCompEmpBnftPaidAmt04452225
IRS990/CYTotalExpensesAmt010787361
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt013705703
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt094644
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0545703
IRS990/Desc0Provided services for members in the form of loans, savings and checking accounts, certificates of deposits, IRAs, etc. Also provided other services such as ATM/Debit cards, credit cards, travel cards, gift cards, money orders, lock boxes and stamps. (46,146 members as of 12/31/13)
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt098
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt010787361
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt036359
IRS990/FeesForServicesLegalGrp/TotalAmt01085
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
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/PersonNm0Richard Simpson
IRS990/Form990PartVIISectionAGrp/PersonNm1Royce Graham
IRS990/Form990PartVIISectionAGrp/PersonNm2Harold Andrew
IRS990/Form990PartVIISectionAGrp/PersonNm3Larry Coughlin
IRS990/Form990PartVIISectionAGrp/PersonNm4Marcia Whaley
IRS990/Form990PartVIISectionAGrp/PersonNm5Andrew Renner
IRS990/Form990PartVIISectionAGrp/PersonNm6Jack Creed
IRS990/Form990PartVIISectionAGrp/PersonNm7Charles Dawson
IRS990/Form990PartVIISectionAGrp/PersonNm8Sam Miller
IRS990/Form990PartVIISectionAGrp/PersonNm9Leroy Gray
IRS990/Form990PartVIISectionAGrp/PersonNm10Rebecca Montgomery
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8264503
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9124665
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10130466
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/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8President
IRS990/Form990PartVIISectionAGrp/TitleTxt9Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt10Senior Vice-President
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt05400
IRS990/GainOrLossGrp/SecuritiesAmt0437461
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt05400
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt039508515
IRS990/GrossReceiptsAmt052776757
IRS990/GroupExemptionNum01182
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01172720
IRS990/InsuranceGrp/TotalAmt0183980
IRS990/IntangibleAssetsGrp/BOYAmt0121575
IRS990/IntangibleAssetsGrp/EOYAmt0302602
IRS990/InterestGrp/TotalAmt01736321
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01167367
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01167367
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt072925491
IRS990/InvestmentsPubTradedSecGrp/EOYAmt059208199
IRS990/IRPDocumentCnt08079
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05028403
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010086560
IRS990/LandBldgEquipBasisNetGrp/EOYAmt013543487
IRS990/LandBldgEquipCostOrOtherBssAmt018571890
IRS990/LegalDomicileStateCd0TN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt039071054
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Provide financial services for members (46,146 as of 12/31/13) including loans, savings and checking accounts, certificates of deposits, IRAs etc. Also provide other services such as ATM/Debit cards, credit cards, travelers cheques, money orders, lock boxes and stamps.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt032545669
IRS990/NetAssetsOrFundBalancesEOYAmt035849229
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0442861
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0442861
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-2716474
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0534172
IRS990/OfficeExpensesGrp/TotalAmt01162688
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt010851373
IRS990/OtherAssetsTotalGrp/EOYAmt010726171
IRS990/OtherChangesInNetAssetsAmt03101692
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0793663
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1NCUSIF PREMIUM ASSESSMENT
IRS990/OtherExpensesGrp/TotalAmt0152500
IRS990/OtherExpensesGrp/TotalAmt1229498
IRS990/OtherLiabilitiesGrp/BOYAmt0248260417
IRS990/OtherLiabilitiesGrp/EOYAmt0294739628
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/BusinessCd2522130
IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/Desc2BARGAIN PURCHASE GAIN
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/ExclusionAmt20
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02302742
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11702433
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2624134
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02302742
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11702433
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2624134
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt20
IRS990/OtherRevenueTotalAmt04629309
IRS990/OtherSalariesAndWagesGrp/TotalAmt02816481
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0177050815
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0237176613
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0224913
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0228000
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt070114
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0155527
IRS990/PrincipalOfficerNm0Sam Miller
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07466166
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07466166
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt036000
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02205923
IRS990/PYOtherExpensesAmt05334637
IRS990/PYOtherRevenueAmt02988721
IRS990/PYProgramServiceRevenueAmt06564899
IRS990/PYRevenuesLessExpensesAmt03066021
IRS990/PYSalariesCompEmpBnftPaidAmt03322885
IRS990/PYTotalExpensesAmt08693522
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011759543
IRS990/ReconcilationRevenueExpnssAmt02918342
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt013705703
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt021636263
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt024106297
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07349332
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04302652
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt09661277
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02363174
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt012024451
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt01258803
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02508952
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03767755
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt010787361
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt02606350
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02606350
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt017057
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0156277
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0173334
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0294739628
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares and Deposits
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt013705703
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0EQUITY ACQUIRED IN MERGER WITH COVENANT HEALTH CREDIT UNION
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part XI, Line 2d
IRS990ScheduleD/TotalBookValueLandBuildingsAmt013543487
IRS990ScheduleD/TotalExpensesPerForm990Amt010787361
IRS990ScheduleD/TotalLiabilityAmt0294739628
IRS990ScheduleD/TotalRevenuePerForm990Amt013705703
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt013705703
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt010787361
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0247003
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt017500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00

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
$333,107,071
Liabilities
$297,257,842
Net assets
$35,849,229
Revenue
$13,705,703
Expenses
$10,787,361
Net income
$2,918,342
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$619$569$49.8$27.3$25.3$2.03
2023Detailed filing. Detailed filing data is available for this year.$628$581$47.1$26.2$22.2$4.07
2022Detailed filing. Detailed filing data is available for this year.$604$563$40.6$20.1$16.3$3.73
2021Detailed filing. Detailed filing data is available for this year.$557$507$50.4$15.8$14.3$1.56
2020Detailed filing. Detailed filing data is available for this year.$543$491$51.2$16.9$15.7$1.17
2019Detailed filing. Detailed filing data is available for this year.$490$441$48.8$17.7$15.6$2.07
2018Detailed filing. Detailed filing data is available for this year.$451$406$45.0$16.3$14.0$2.24
2017Detailed filing. Detailed filing data is available for this year.$427$383$43.4$14.2$12.0$2.18
2016Detailed filing. Detailed filing data is available for this year.$386$346$40.6$12.7$11.0$1.62
2015Detailed filing. Detailed filing data is available for this year.$370$329$40.6$12.4$10.6$1.79
2014Detailed filing. Detailed filing data is available for this year.$356$317$38.8$12.5$10.5$1.96
2013Detailed filing. Detailed filing data is available for this year.$333$297$35.8$13.7$10.8$2.92
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$283$251$32.5$8.69
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$264$235$29.3$9.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$245$219$26.0$9.31
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $250M-$1B nonprofits