Civic Intelligence

Consumer Credit Union

990 • Fiscal year 2015 • EIN 62-0962107

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 26, 2016

Organization Profilewww.consumercreditunion.com

View Organization Page

3634 E Andrew Johnson HwyGreeneville, TN 37745

(423) 639-6131

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.89x

Higher debt load relative to assets than 42% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

95th percentile

26.55x

Higher debt load relative to revenue than 95% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

56th percentile

14%

Higher net margin than 56% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

22nd percentile

$290,176

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

28th percentile

3.9%

Faster asset growth than 28% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

14th percentile

-0.6%

Faster revenue growth than 14% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$369,674,804

Up $13,728,188 (+3.9%) from 2014

Net Assets

Up

$40,602,029

Up $1,794,880 (+4.6%) from 2014

Liabilities

Up

$329,072,775

Up $11,933,308 (+3.8%) from 2014

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin56th percentile

Revenue

Down

$12,396,289

Down $69,044 (-0.6%) from 2014

Expenses

Up

$10,609,244

Up $102,300 (+1.0%) from 2014

Net Income

Down

$1,787,045

Down $171,344 (-8.7%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth28th 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

2015

Assets$369,674,804
Liabilities$329,072,775
Net Assets$40,602,029
Open 2015 Filing

Operations Trend

Revenue Growth14th percentile

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

2015

Revenue$12,396,289
Expenses$10,609,244
Net Income$1,787,045
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 26, 2016
Return Version
2015v2.1
Gross Receipts
$38,766,676
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$261,860,755$268,162,318▲ $6,301,563
Investments in Publicly Traded Securities$49,488,587$51,127,424▲ $1,638,837
Rtn Earn Endowment Incm Other Fnds$24,664,686$26,001,729▲ $1,337,043
Savings and Temporary Cash Investments$15,517,805$21,460,539▲ $5,942,734
Cap Stk Tr Prin Current Funds$14,142,463$14,600,300▲ $457,837
Land, Buildings, and Equipment, Net$13,294,507$12,902,521▼ $391,986
Cash and Non-Interest-Bearing Accounts$7,099,733$6,517,850▼ $581,883
Prepaid Expenses and Deferred Charges$324,085$288,274▼ $35,811
Intangible Assets$273,638$244,673▼ $28,965
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$355,946,616$369,674,804▲ $13,728,188
Other Assets Total$8,087,506$8,971,205▲ $883,699
Liabilities
Other Liabilities$315,399,049$325,673,018▲ $10,273,969
Accounts Payable and Accrued Expenses$1,740,418$3,399,757▲ $1,659,339
Total Liabilities$317,139,467$329,072,775▲ $11,933,308
Net Assets / Fund Balance
Total Net Assets Fund Balance$38,807,149$40,602,029▲ $1,794,880
Total Liabilities and Net Assets / Fund Balance$355,946,616$369,674,804▲ $13,728,188

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,031,276$3,037,622$12,068,898
Equipment$1,256,026$2,617,975$3,874,001
Land$2,606,350-$2,606,350
Other Land Buildings$8,869$164,465$173,334
Leasehold Improvements$0$0$0
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sam MillerPresidentFT$290,176$18,000$308,176
Leroy GrayExecutive VPFT$135,838$18,000$153,838
Rebecca MontgomeryPresident/Knoxville DivisionFT$135,537-$135,537
Brian AllenSVP/Chief Information Officer/ComplianceFT$111,961-$111,961
Susan AcuffSVP/CFOFT$111,747-$111,747
Debbie CollinsSVP/COOFT$106,376-$106,376

Board Members and Trustees

NameTitle
Royce GrahamBoard Chairman
Marcia WhaleyBoard Vice Chairman
Burton GoodgeBoard Member
Charles DawsonBoard Member
George HarrisBoard Member
John BroylesBoard 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
$7,885,440
Investment Income
$875,696
Other Revenue
$3,635,153
Change in Net Assets
$1,787,045

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,396,289
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$7,837
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$12,404,126
Total Revenue per Form 990
$12,396,289
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,090,908
Salaries, Compensation, and Employee Benefits$4,518,336
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,435,475
Information Technology---$1,499,620
Interest---$1,468,728
Office Expenses---$975,599
Current Officers, Directors, Trustees, and Key Employees---$893,635
Depreciation Depletion---$661,775
Other Employee Benefits---$618,993
Occupancy---$509,604
All Other Expenses---$324,596
Pension Plan Contributions---$312,000
Payroll Taxes---$258,233
Advertising---$234,641
Insurance---$224,260
Other Expenses---$62,500
Fees for Services Accounting---$56,060
Conferences and Meetings---$30,521
Travel---$26,949
Fees for Services Legal---$16,055
Total Functional Expenses$0$0$0$10,609,244

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$10,609,244
Total Expenses per Audited Statements$10,609,244
Total Expenses per Form 990$10,609,244
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$325,673,018
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
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
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, Part VI, Section A, Line 6

“36,509 members as of 12/31/15”

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 vote of the membership”

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

“No review is conducted”

Form 990, Part VI, Section B, Line 12C

“Board and committee members sign an annual conflict of interest statement”

Form 990, Part VI, Section C, Line 19

“Documents would be made available upon request”

Filing and Contact Details

Filer

Filer Name
Consumer Credit Union
EIN
62-0962107
Phone
4236396131
Address
3634 E Andrew Johnson Hwy, Greeneville, TN 37745

Signing Officer

Name
Susan Acuff
Title
Senior VP/CFO
Phone
4236396131
Signed
2016-04-26

Organization Details

Principal Officer
Sam Miller
Formed
1953
Legal Domicile
Tn
Voting Board Members
11
Independent Board Members
10
Employees
103
Volunteers
10
Raw XML AppendixShowing 400 of 530 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/BOYAmt01740418
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt03399757
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Financial services
IRS990/AdvertisingGrp/TotalAmt0234641
IRS990/AllOtherExpensesGrp/TotalAmt0324596
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0Susan Acuff
IRS990/BooksInCareOfDetail/PhoneNum04236396131
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03634 E Andrew Johnson Hwy
IRS990/BooksInCareOfDetail/USAddress/CityNm0Greeneville
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037745
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt014142463
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt014600300
IRS990/CashNonInterestBearingGrp/BOYAmt07099733
IRS990/CashNonInterestBearingGrp/EOYAmt06517850
IRS990/ChangeToOrgDocumentsInd00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0893635
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt030521
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0875696
IRS990/CYOtherExpensesAmt06090908
IRS990/CYOtherRevenueAmt03635153
IRS990/CYProgramServiceRevenueAmt07885440
IRS990/CYRevenuesLessExpensesAmt01787045
IRS990/CYSalariesCompEmpBnftPaidAmt04518336
IRS990/CYTotalExpensesAmt010609244
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt012396289
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0661775
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. (36,509 members as of 12/31/15)
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0103
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt056060
IRS990/FeesForServicesLegalGrp/TotalAmt016055
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
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/AverageHoursPerWeekRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.0
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd5X
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/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/PersonNm0Richard Simpson
IRS990/Form990PartVIISectionAGrp/PersonNm1Royce Graham
IRS990/Form990PartVIISectionAGrp/PersonNm2Larry Coughlin
IRS990/Form990PartVIISectionAGrp/PersonNm3Marcia Whaley
IRS990/Form990PartVIISectionAGrp/PersonNm4Andrew Renner
IRS990/Form990PartVIISectionAGrp/PersonNm5Jack Creed
IRS990/Form990PartVIISectionAGrp/PersonNm6Charles Dawson
IRS990/Form990PartVIISectionAGrp/PersonNm7Burton Goodge
IRS990/Form990PartVIISectionAGrp/PersonNm8John Broyles
IRS990/Form990PartVIISectionAGrp/PersonNm9George Harris
IRS990/Form990PartVIISectionAGrp/PersonNm10Sam Miller
IRS990/Form990PartVIISectionAGrp/PersonNm11Leroy Gray
IRS990/Form990PartVIISectionAGrp/PersonNm12Rebecca Montgomery
IRS990/Form990PartVIISectionAGrp/PersonNm13Brian Allen
IRS990/Form990PartVIISectionAGrp/PersonNm14Susan Acuff
IRS990/Form990PartVIISectionAGrp/PersonNm15Debbie Collins
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/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10290176
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11137838
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12135537
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13111961
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14111747
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15106376
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/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10President
IRS990/Form990PartVIISectionAGrp/TitleTxt11Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt12President/Knoxville Division
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/Chief Information Officer/Compliance
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP/COO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01032
IRS990/GainOrLossGrp/SecuritiesAmt028429
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt023654
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt026376194
IRS990/GrossReceiptsAmt038766676
IRS990/GroupExemptionNum01182
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01499620
IRS990/InsuranceGrp/TotalAmt0224260
IRS990/IntangibleAssetsGrp/BOYAmt0273638
IRS990/IntangibleAssetsGrp/EOYAmt0244673
IRS990/InterestGrp/TotalAmt01468728
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0846235
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0846235
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt049488587
IRS990/InvestmentsPubTradedSecGrp/EOYAmt051127424
IRS990/IRPDocumentCnt07170
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05820062
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013294507
IRS990/LandBldgEquipBasisNetGrp/EOYAmt012902521
IRS990/LandBldgEquipCostOrOtherBssAmt018722583
IRS990/LegalDomicileStateCd0TN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt022622
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt026347765
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 (36,509 as of 12/31/15) including loans, savings and checking accounts, certificates of deposits, IRAs etc. Also provide other services such as ATM/Debit cards, credit cards, travel cards, money orders, lock boxes and stamps.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt038807149
IRS990/NetAssetsOrFundBalancesEOYAmt040602029
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt029461
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt029461
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt07835
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0509604
IRS990/OfficeExpensesGrp/TotalAmt0975599
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08087506
IRS990/OtherAssetsTotalGrp/EOYAmt08971205
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0618993
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/TotalAmt062500
IRS990/OtherLiabilitiesGrp/BOYAmt0315399049
IRS990/OtherLiabilitiesGrp/EOYAmt0325673018
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/Desc1Other Income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02174496
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11460657
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02174496
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11460657
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt03635153
IRS990/OtherSalariesAndWagesGrp/TotalAmt02435475
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0261860755
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0268162318
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0258233
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0312000
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0324085
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0288274
IRS990/PrincipalOfficerNm0SAM MILLER
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07885440
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07885440
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0910839
IRS990/PYOtherExpensesAmt05976228
IRS990/PYOtherRevenueAmt03935215
IRS990/PYProgramServiceRevenueAmt07619279
IRS990/PYRevenuesLessExpensesAmt01958389
IRS990/PYSalariesCompEmpBnftPaidAmt04530716
IRS990/PYTotalExpensesAmt010506944
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012465333
IRS990/ReconcilationRevenueExpnssAmt01787045
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt024664686
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt026001729
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015517805
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021460539
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt09031276
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03037622
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt012068898
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt01256026
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02617975
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03874001
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt010609244
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
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/NetUnrealizedGainsInvstAmt07837
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt08869
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0164465
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0173334
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0325673018
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares and Deposits
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt07837
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt012396289
IRS990ScheduleD/TotalBookValueLandBuildingsAmt012902521
IRS990ScheduleD/TotalBookValueSecuritiesAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$369,674,804
Liabilities
$329,072,775
Net assets
$40,602,029
Revenue
$12,396,289
Expenses
$10,609,244
Net income
$1,787,045
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