Civic Intelligence

Consumer Credit Union

990 • Fiscal year 2020 • EIN 62-0962107

Jan 01, 2020 to Dec 31, 2020 • Filed on May 07, 2021

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

64th percentile

0.91x

Higher debt load relative to assets than 64% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

96th percentile

29.15x

Higher debt load relative to revenue than 96% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

27th percentile

7.0%

Higher net margin than 27% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

17th percentile

$273,230

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

12th percentile

11%

Faster asset growth than 12% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

28th percentile

-4.5%

Faster revenue growth than 28% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$542,664,942

Up $52,356,601 (+11%) from 2019

Net Assets

Up

$51,205,263

Up $2,373,812 (+4.9%) from 2019

Liabilities

Up

$491,459,679

Up $49,982,789 (+11%) from 2019

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin27th percentile

Revenue

Down

$16,857,145

Down $800,882 (-4.5%) from 2019

Expenses

Up

$15,683,565

Up $96,315 (+0.6%) from 2019

Net Income

Down

$1,173,580

Down $897,197 (-43%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth12th 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

2020

Assets$542,664,942
Liabilities$491,459,679
Net Assets$51,205,263
Open 2020 Filing

Operations Trend

Revenue Growth28th 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

2020

Revenue$16,857,145
Expenses$15,683,565
Net Income$1,173,580
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 7, 2021
Return Version
2020v4.0
Gross Receipts
$42,947,416
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$334,401,932$311,535,156▼ $22,866,776
Investments in Publicly Traded Securities$80,842,926$105,498,324▲ $24,655,398
Savings and Temporary Cash Investments$40,285,308$90,616,922▲ $50,331,614
Rtn Earn Endowment Incm Other Fnds$28,351,633$29,525,213▲ $1,173,580
Cap Stk Tr Prin Current Funds$20,479,818$21,680,050▲ $1,200,232
Land, Buildings, and Equipment, Net$11,219,482$11,084,687▼ $134,795
Cash and Non-Interest-Bearing Accounts$7,583,495$8,478,062▲ $894,567
Prepaid Expenses and Deferred Charges$885,976$576,612▼ $309,364
Intangible Assets$128,711$121,575▼ $7,136
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$490,308,341$542,664,942▲ $52,356,601
Other Assets Total$14,960,511$14,753,604▼ $206,907
Liabilities
Other Liabilities$417,431,087$474,232,433▲ $56,801,346
Accounts Payable and Accrued Expenses$24,045,803$17,227,246▼ $6,818,557
Total Liabilities$441,476,890$491,459,679▲ $49,982,789
Net Assets / Fund Balance
Total Net Assets Fund Balance$48,831,451$51,205,263▲ $2,373,812
Total Liabilities and Net Assets / Fund Balance$490,308,341$542,664,942▲ $52,356,601

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,817,776$3,984,399$11,802,175
Equipment$730,561$3,889,280$4,619,841
Land$2,536,350-$2,536,350
Other Land Buildings$0$25,605$25,605
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Amanda KildayPresidentFT$273,230-$273,230
Leroy GrayExecutive VPFT$158,081$19,500$177,581
Sam MillerFormer President-$167,561$167,561$167,561
Brian AllenSVP/chief Information Officer/complianceFT$158,464-$158,464
Rebecca MontgomeryPresident/knoxville DivisionFT$156,078-$156,078
Susan AcuffSVP/CFOFT$155,392-$155,392
Debbie CollinsSVP/COOFT$147,817-$147,817

Board Members and Trustees

NameTitle
Royce GrahamBoard Chairman
Marcia WhaleyBoard Vice Chairman
Brian CookBoard Member
Burton GoogeBoard Member
Cynthia PectolBoard Member
Eva MckinneyBoard Member
Heather PatchettBoard Member
Larry CoughlinBoard Member
Richard SimpsonBoard Member
Tom HopsonBoard Member
George HarrisBoard Member Secretary
Andrew RennerBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,229,202
Investment Income
$1,646,620
Other Revenue
$3,981,323
Change in Net Assets
$1,173,580

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,857,145
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$1,200,232
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$18,057,377
Total Revenue per Form 990
$16,857,145
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,943,026
Salaries, Compensation, and Employee Benefits$5,740,539
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$4,616,062
Other Salaries and Wages---$4,090,162
Information Technology---$2,108,496
Office Expenses---$910,750
All Other Expenses---$734,324
Other Employee Benefits---$608,941
Depreciation Depletion---$555,798
Pension Plan Contributions---$452,000
Occupancy---$446,312
Insurance---$321,206
Payroll Taxes---$317,206
Current Officers, Directors, Trustees, and Key Employees---$272,230
Advertising---$136,330
Fees for Services Accounting---$75,462
Travel---$20,114
Fees for Services Legal---$17,094
Conferences and Meetings---$1,078
Total Functional Expenses$0$0$0$15,683,565

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,683,565
Total Expenses per Audited Statements$15,683,565
Total Expenses per Form 990$15,683,565
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$474,232,433
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“37,307 members at 12/31/20.”

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 require vote by 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 B, Line 15

“The personnel committee reviews a salary survey for credit unions as substantiation for the CEO salary.”

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
2021-05-07

Organization Details

Principal Officer
Amanda Kilday
Formed
1953
Legal Domicile
Tn
Voting Board Members
13
Independent Board Members
12
Employees
102
Volunteers
12
Raw XML AppendixShowing 400 of 559 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt024045803
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt017227246
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0FINANCIAL SERVICES
IRS990/AdvertisingGrp/TotalAmt0136330
IRS990/AllOtherExpensesGrp/TotalAmt0734324
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0SUSAN ACUFF
IRS990/BooksInCareOfDetail/PhoneNum04236396131
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03634 E AJ HWY
IRS990/BooksInCareOfDetail/USAddress/CityNm0GREENEVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037745
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt020479818
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt021680050
IRS990/CashNonInterestBearingGrp/BOYAmt07583495
IRS990/CashNonInterestBearingGrp/EOYAmt08478062
IRS990/ChangeToOrgDocumentsInd00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0272230
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt01078
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01646620
IRS990/CYOtherExpensesAmt09943026
IRS990/CYOtherRevenueAmt03981323
IRS990/CYProgramServiceRevenueAmt011229202
IRS990/CYRevenuesLessExpensesAmt01173580
IRS990/CYSalariesCompEmpBnftPaidAmt05740539
IRS990/CYTotalExpensesAmt015683565
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt016857145
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0555798
IRS990/Desc0PROVIDE SERVICES FOR MEMBERS IN THE FORM OF LOANS, SAVINGS AND CHECKING ACCOUNTS, CERTIFICATES OF DEPOSITS, IRAS ECT. ALSO PROVIDE OTHER SERVICES SUCH AS ATM/DEBIT CARDS, CREDIT CARDS, TRAVEL CARDS, GIFT CARDS, MONEY ORDERS, LOCK BOXES, AND STAMPS. ( 37,307 MEMBERS AS OF 12/31/20)
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0102
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt075462
IRS990/FeesForServicesLegalGrp/TotalAmt017094
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/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt150
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt160
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt170
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt180
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt340
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt130
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt150
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt160
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt170
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt180
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd5X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd6X
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/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
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/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/PersonNm0AMANDA KILDAY
IRS990/Form990PartVIISectionAGrp/PersonNm1LEROY GRAY
IRS990/Form990PartVIISectionAGrp/PersonNm2SAM MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm3BRIAN ALLEN
IRS990/Form990PartVIISectionAGrp/PersonNm4REBECCA MONTGOMERY
IRS990/Form990PartVIISectionAGrp/PersonNm5SUSAN ACUFF
IRS990/Form990PartVIISectionAGrp/PersonNm6DEBBIE COLLINS
IRS990/Form990PartVIISectionAGrp/PersonNm7RICHARD SIMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm8ROYCE GRAHAM
IRS990/Form990PartVIISectionAGrp/PersonNm9LARRY COUGHLIN
IRS990/Form990PartVIISectionAGrp/PersonNm10MARCIA WHALEY
IRS990/Form990PartVIISectionAGrp/PersonNm11ANDREW RENNER
IRS990/Form990PartVIISectionAGrp/PersonNm12BRIAN COOK
IRS990/Form990PartVIISectionAGrp/PersonNm13BURTON GOOGE
IRS990/Form990PartVIISectionAGrp/PersonNm14GEORGE HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm15TOM HOPSON
IRS990/Form990PartVIISectionAGrp/PersonNm16HEATHER PATCHETT
IRS990/Form990PartVIISectionAGrp/PersonNm17EVA MCKINNEY
IRS990/Form990PartVIISectionAGrp/PersonNm18CYNTHIA PECTOL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0273230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1177581
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2167561
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3158464
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4156078
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5155392
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6147817
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt22443
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/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt2FORMER PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3SVP/CHIEF INFORMATION OFFICER/COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt4PRESIDENT/KNOXVILLE DIVISION
IRS990/Form990PartVIISectionAGrp/TitleTxt5SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt6SVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt18BOARD MEMBER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt036434
IRS990/GainOrLossGrp/SecuritiesAmt095198
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt013
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0396379
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt025825524
IRS990/GrossReceiptsAmt042947416
IRS990/GroupExemptionNum01182
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02108496
IRS990/InsuranceGrp/TotalAmt0321206
IRS990/IntangibleAssetsGrp/BOYAmt0128711
IRS990/IntangibleAssetsGrp/EOYAmt0121575
IRS990/InterestGrp/TotalAmt04616062
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01514988
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01514988
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt080842926
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0105498324
IRS990/IRPDocumentCnt06877
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07899284
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011219482
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011084687
IRS990/LandBldgEquipCostOrOtherBssAmt018983971
IRS990/LegalDomicileStateCd0TN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0359945
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt025730326
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 (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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt048831451
IRS990/NetAssetsOrFundBalancesEOYAmt051205263
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0131632
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0131632
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01200232
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0446312
IRS990/OfficeExpensesGrp/TotalAmt0910750
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014960511
IRS990/OtherAssetsTotalGrp/EOYAmt014753604
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0608941
IRS990/OtherLiabilitiesGrp/BOYAmt0417431087
IRS990/OtherLiabilitiesGrp/EOYAmt0474232433
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01946410
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt12034913
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01946410
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt12034913
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt03981323
IRS990/OtherSalariesAndWagesGrp/TotalAmt04090162
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0334401932
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0311535156
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0317206
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0452000
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0885976
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0576612
IRS990/PrincipalOfficerNm0AMANDA KILDAY
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011229202
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011229202
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01733776
IRS990/PYOtherExpensesAmt09833741
IRS990/PYOtherRevenueAmt03585395
IRS990/PYProgramServiceRevenueAmt012338856
IRS990/PYRevenuesLessExpensesAmt02070777
IRS990/PYSalariesCompEmpBnftPaidAmt05753509
IRS990/PYTotalExpensesAmt015587250
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt017658027
IRS990/ReconcilationRevenueExpnssAmt01173580
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/BOYAmt028351633
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt029525213
IRS990/SavingsAndTempCashInvstGrp/BOYAmt040285308
IRS990/SavingsAndTempCashInvstGrp/EOYAmt090616922
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt07817776
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03984399
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt011802175
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0730561
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03889280
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04619841
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt015683565
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt02536350
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02536350
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$542,664,942
Liabilities
$491,459,679
Net assets
$51,205,263
Revenue
$16,857,145
Expenses
$15,683,565
Net income
$1,173,580
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