Civic Intelligence

Volunteer Corporate Credit Union

EIN 62-1120233 • 501(c)14 • Nashville, TN

View Organization Page

Profile

To serve as the primary financial partner with credit unions in providing superior products, services and support.

2460 Atrium WayNashville, TN 37214

www.volcorp.org

Siviq Scores

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

Liabilities / Assets

26th percentile

0.89x

Higher debt load relative to assets than 26% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

3rd percentile

9.66x

Higher debt load relative to revenue than 3% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

56th percentile

9.9%

Higher net margin than 56% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

27th percentile

$764,529

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

501(c)14 • $1B+ nonprofits • Source year 2024

Asset Growth

3rd percentile

-11%

Faster asset growth than 3% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

88th percentile

26%

Faster revenue growth than 88% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets26th percentile

Assets

Down

$1,625,364,492

Down $205,155,224 (-11%) from 2023

Liabilities

Down

$1,451,412,825

Down $220,490,378 (-13%) from 2023

Net Assets

Up

$173,951,667

Up $15,335,154 (+9.7%) from 2023

Operations
Liabilities / Revenue3rd percentileNet Margin56th percentile

Revenue

Up

$150,239,659

Up $31,428,828 (+26%) from 2023

Expenses

Up

$135,383,196

Up $37,148,509 (+38%) from 2023

Net Income

Down

$14,856,463

Down $5,719,681 (-28%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth3rd percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $1,351,696,022Liabilities 2010: $1,292,840,747Net Assets 2010: $58,855,2752010Assets 2011: $1,212,770,016Liabilities 2011: $1,151,089,899Net Assets 2011: $61,680,1172011Assets 2012: $1,179,925,197Liabilities 2012: $1,103,520,089Net Assets 2012: $76,405,1082012Assets 2013: $1,022,322,909Liabilities 2013: $946,295,888Net Assets 2013: $76,027,0212013Assets 2014: $1,220,835,970Liabilities 2014: $1,139,211,369Net Assets 2014: $81,624,6012014Assets 2015: $1,331,821,870Liabilities 2015: $1,250,036,842Net Assets 2015: $81,785,0282015Assets 2016: $1,346,419,914Liabilities 2016: $1,259,269,194Net Assets 2016: $87,150,7202016Assets 2017: $1,333,105,498Liabilities 2017: $1,240,346,607Net Assets 2017: $92,758,8912017Assets 2018: $1,212,932,507Liabilities 2018: $1,116,120,813Net Assets 2018: $96,811,6942018Assets 2019: $1,339,904,120Liabilities 2019: $1,235,566,242Net Assets 2019: $104,337,8782019Assets 2020: $2,500,981,054Liabilities 2020: $2,390,351,869Net Assets 2020: $110,629,1852020Assets 2021: $2,404,399,500Liabilities 2021: $2,274,893,519Net Assets 2021: $129,505,9812021Assets 2022: $1,546,022,853Liabilities 2022: $1,412,302,239Net Assets 2022: $133,720,6142022Assets 2023: $1,830,519,716Liabilities 2023: $1,671,903,203Net Assets 2023: $158,616,5132023Assets 2024: $1,625,364,492Liabilities 2024: $1,451,412,825Net Assets 2024: $173,951,6672024

Highlighted filing

2024

Assets$1,625,364,492
Liabilities$1,451,412,825
Net Assets$173,951,667
Open 2024 Filing

Operations Trend

Revenue Growth88th percentile

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

$200M$150M$100M$50M$0Expenses 2010: $13,976,2512010Expenses 2011: $11,177,6522011Revenue 2012: $14,043,387Expenses 2012: $11,913,269Net Income 2012: $2,130,1182012Revenue 2013: $11,874,444Expenses 2013: $9,787,184Net Income 2013: $2,087,2602013Revenue 2014: $12,271,724Expenses 2014: $10,780,980Net Income 2014: $1,490,7442014Revenue 2015: $14,234,652Expenses 2015: $11,523,878Net Income 2015: $2,710,7742015Revenue 2016: $18,119,218Expenses 2016: $12,905,580Net Income 2016: $5,213,6382016Revenue 2017: $24,010,773Expenses 2017: $18,370,849Net Income 2017: $5,639,9242017Revenue 2018: $34,288,326Expenses 2018: $27,588,771Net Income 2018: $6,699,5552018Revenue 2019: $40,461,745Expenses 2019: $33,585,001Net Income 2019: $6,876,7442019Revenue 2020: $20,915,133Expenses 2020: $17,162,795Net Income 2020: $3,752,3382020Revenue 2021: $49,925,746Expenses 2021: $20,016,290Net Income 2021: $29,909,4562021Revenue 2022: $78,897,689Expenses 2022: $52,267,070Net Income 2022: $26,630,6192022Revenue 2023: $118,810,831Expenses 2023: $98,234,687Net Income 2023: $20,576,1442023Revenue 2024: $150,239,659Expenses 2024: $135,383,196Net Income 2024: $14,856,4632024

Highlighted filing

2024

Revenue$150,239,659
Expenses$135,383,196
Net Income$14,856,463
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$1,625,364,492
Liabilities
$1,451,412,825
Net assets
$173,951,667
Revenue
$150,239,659
Expenses
$135,383,196
Net income
$14,856,463
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,625$1,451$174$150$135$14.9
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,831$1,672$159$119$98.2$20.6
2022Detailed filing. Detailed filing data is available for this year.$1,546$1,412$134$78.9$52.3$26.6
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,404$2,275$130$49.9$20.0$29.9
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,501$2,390$111$20.9$17.2$3.75
2019Detailed filing. Detailed filing data is available for this year.$1,340$1,236$104$40.5$33.6$6.88
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,213$1,116$96.8$34.3$27.6$6.70
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,333$1,240$92.8$24.0$18.4$5.64
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,346$1,259$87.2$18.1$12.9$5.21
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,332$1,250$81.8$14.2$11.5$2.71
2014Detailed filing. Detailed filing data is available for this year.$1,221$1,139$81.6$12.3$10.8$1.49
2013Detailed filing. Detailed filing data is available for this year.$1,022$946$76.0$11.9$9.79$2.09
2012Summary only. Only limited summary data is available for this year.$1,180$1,104$76.4$14.0$11.9$2.13
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,213$1,151$61.7$11.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,352$1,293$58.9$14.0
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 18, 2025
Return Version
2024v5.1
Gross Receipts
$150,239,659
Mission and Program Overview

Mission

To serve as the primary financial partner with credit unions in providing superior products, services and support.

Inspiring credit unions to reach new heights by providing dynamic payment solutions, custom investment services, and unparalleled member service.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$776,346,217$847,157,163▲ $70,810,946
Savings and Temporary Cash Investments$844,928,965$683,624,677▼ $161,304,288
Rtn Earn Endowment Incm Other Fnds$158,616,513$173,951,667▲ $15,335,154
Cash and Non-Interest-Bearing Accounts$155,042,013$56,495,383▼ $98,546,630
Other Notes and Loans Receivable, Net$32,980,599$18,257,070▼ $14,723,529
Accounts Receivable$10,680,596$9,066,770▼ $1,613,826
Receivables From Officers Etc$6,059,422$6,135,165▲ $75,743
Land, Buildings, and Equipment, Net$3,379,571$3,331,367▼ $48,204
Prepaid Expenses and Deferred Charges$452,032$639,714▲ $187,682
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,830,519,716$1,625,364,492▼ $205,155,224
Other Assets Total$650,301$657,183▲ $6,882
Liabilities
Other Liabilities$1,246,879,741$1,449,900,984▲ $203,021,243
Mortgage Notes Payable Secured by Investment Property$303,051,268$0▼ $303,051,268
Accounts Payable and Accrued Expenses$121,972,194$1,511,841▼ $120,460,353
Total Liabilities$1,671,903,203$1,451,412,825▼ $220,490,378
Net Assets / Fund Balance
Total Net Assets Fund Balance$158,616,513$173,951,667▲ $15,335,154
Total Liabilities and Net Assets / Fund Balance$1,830,519,716$1,625,364,492▼ $205,155,224

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,334,086$5,519,789$6,853,875
Buildings$1,570,653$1,129,086$2,699,739
Land$426,628-$426,628
Other Securities$248,000--
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeffrey MerryPresident/CEOFT$541,526$223,003$764,529
Jeffrey DatoEvp/COOFT$277,768$108,491$386,259
Phillip CochranSVP/chief Investment OfficFT$170,100$212,191$382,291
Jeff CantrellVP Information TechnologyFT$221,719$63,966$285,685
Christina AdkisonChief Experience OfficerFT$195,803$84,757$280,560
Justin HoltChief Financial OfficerFT$197,218$60,953$258,171
Ben WilliamsVP It Strategic ProjectsFT$192,002$61,807$253,809
Josh YatesDirector Software DevelopmFT$153,022$59,557$212,579
Michelle DouglasVP, Payments and OperationsFT$138,747$56,060$194,807
Larry Wade StapletonVP, Marketing and CommunicFT$147,781$40,317$188,098

Board Members and Trustees

NameTitle
John JacowayChairman
Todd SwimsVice Chairman
Brian TrotterDirector
Debbie JonesDirector
Erin WalterDirector
Judy HesterDirector
Nick ArvonDirector
Bradley Arant Boult Cummings LlpGeneral Counsel
Mike CooperSecretary
Ron SmithTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$142,627,709
Other Revenue
$7,611,950
Change in Net Assets
$14,856,463

Audited Revenue Reconciliation

Revenue per Audited Statements
$150,099,894
Revenue Not Reported on Financial Statements
$139,765
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$139,765
Total Revenue per Audited Statements
$150,099,894
Total Revenue per Form 990
$150,239,659
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$124,331,259
Salaries, Compensation, and Employee Benefits$11,051,937
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$115,943,066--$115,943,066
Other Salaries and Wages$7,903,954--$7,903,954
Other Employee Benefits$2,301,728--$2,301,728
All Other Expenses$1,388,457--$1,388,457
Pension Plan Contributions$846,255--$846,255
Depreciation Depletion$703,648--$703,648
Fees for Services Other$501,934--$501,934
Information Technology$406,689--$406,689
Advertising$375,966--$375,966
Conferences and Meetings$194,441--$194,441
Insurance$185,147--$185,147
Other Expenses$156,897--$156,897
Fees for Services Accounting$135,623--$135,623
Travel$109,567--$109,567
Occupancy$67,717--$67,717
Fees for Services Legal$55,599--$55,599
Office Expenses$26,643--$26,643
Total Functional Expenses$135,383,196$0$0$135,383,196

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$135,383,196
Expenses per Audited Statements$135,243,431
Total Expenses per Audited Statements$135,243,431
Expenses Not Reported on Financial Statements$139,765
Other Expense Adjustments$139,765
Expenses Not Reported on Form 990$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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
All DirectorsBoard of Directors MemberAll Directors Are Officers of Credit Unions That Conduct Business With the Organization. These Credit Unions Purchase Loans, Cds, Securities and Services Through the Organization. All Transactions Benefit the Entities, Not the Individuals. the Organization Services the Entities.No-

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$6,059,422$6,135,165▲ $75,743
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits$1,449,899,768
Interest Payable$1,216
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
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

“Volunteer corporate credit union's regular membership is open to credit unions chartered under tennessee law, federal law, or the laws of other states or territories of the united states. Associate membership is open to credit unions, associations of credit unions; and corporations, organizations or agencies owned or operated by a credit union or credit unions.”

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

“Credit union members elect the board of directors. All members which have subscribed to and have on deposit the required perpetual contributed capital with the organization are entitled to vote on matters submitted to the membership for decision, consent, ratification, waiver, release or other action.”

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

“The board is responsible for normal business descisions. Decisions outside of "business as usual" such as change of charter or merger would require the approval of membership.”

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

“The form 990 is prepared by an accounting firm, reviewed by the ceo and cfo. The form 990 is provided to the board of directors upon request.”

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

“Officers, directors, and key employees are required to report any conflict of interest no less than annually. The internal auditor reveiws for possible conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“The board is responsible for hiring the ceo based on qualifications and determining the payscale. The hr department provides the board with a compensation analysis of corporate payscales based on products provided. The board uses this recommendation in setting the ceo's salary. Payscales for all positions at volcorp are based on compensation comparisons.”

Form 990, Part VI, Section C, Line 19

“The organization's bylaws and financial statements are available to its membership on its website.”

Filing and Contact Details

Filer

Filer Name
Volunteer Corporate Credit Union
EIN
62-1120233
Phone
6152327900
Address
2460 ATRIUM WAY, NASHVILLE, TN 37214

Signing Officer

Name
Justin Holt
Title
Chief Financial Officer
Phone
6152327900
Signed
2025-06-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Justin Holt
Formed
1981
Legal Domicile
Tn
Voting Board Members
9
Independent Board Members
9
Employees
76
Volunteers
18

Preparer

Firm
Cri Advisors LLC
Address
3011 ARMORY DRIVE SUITE 300, NASHVILLE, TN 37204
Preparer
Richard W Betts
Phone
6156651811
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Perpetual contributed capital dividends and redemptions -3,340,113.”

Form 990 Part XII Line 2C

“No changes in the selection or oversight process.”

Financial Statement Notes

PART X, LINE 2:

“Volcorp has adopted fasb asc 740, income taxes, which prescribes a recognition threshold and measurement attribute for a tax position taken or expected to be taken in a tax return. Fasb asc 740 also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. Management evaluates the tax positions taken on tax filings and consults with outside professionals in evaluating the likelihood of unfavorable results from any such tax positions. The tax years from 2021 and forward remain open to tax audits.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Other non-operating income 139,765.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Other non-operating income 139,765.”

Raw XML AppendixShowing 400 of 704 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm2JUDY HESTER
IRS990/Form990PartVIISectionAGrp/PersonNm3BRIAN TROTTER
IRS990/Form990PartVIISectionAGrp/PersonNm4ERIN WALTER
IRS990/Form990PartVIISectionAGrp/PersonNm5MIKE COOPER
IRS990/Form990PartVIISectionAGrp/PersonNm6NICK ARVON
IRS990/Form990PartVIISectionAGrp/PersonNm7RON SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm8TODD SWIMS
IRS990/Form990PartVIISectionAGrp/PersonNm9JOHN JACOWAY
IRS990/Form990PartVIISectionAGrp/PersonNm10JUSTIN HOLT
IRS990/Form990PartVIISectionAGrp/PersonNm11CHRISTINA ADKISON
IRS990/Form990PartVIISectionAGrp/PersonNm12JEFFREY DATO
IRS990/Form990PartVIISectionAGrp/PersonNm13PHILLIP COCHRAN
IRS990/Form990PartVIISectionAGrp/PersonNm14BEN WILLIAMS
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IRS990/Form990PartVIISectionAGrp/PersonNm17MICHELLE DOUGLAS
IRS990/Form990PartVIISectionAGrp/PersonNm18JOSH YATES
IRS990/Form990PartVIISectionAGrp/PersonNm19JEFF CANTRELL
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IRS990/Form990PartVIISectionAGrp/TitleTxt0GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CHIEF INVESTMENT OFFIC
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP IT STRATEGIC PROJECTS
IRS990/Form990PartVIISectionAGrp/TitleTxt15PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP, MARKETING AND COMMUNIC
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP, PAYMENTS AND OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR SOFTWARE DEVELOPM
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP INFORMATION TECHNOLOGY
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IRS990/GrantsToOrganizationsInd00
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IRS990/IncludeFIN48FootnoteInd01
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IRS990ScheduleD/OtherSecuritiesGrp/Desc1ASSET BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CMO/REMIC
IRS990ScheduleD/OtherSecuritiesGrp/Desc3ALLOWANCE - UNREALIZED G/L - INV.
IRS990ScheduleD/OtherSecuritiesGrp/Desc4SBA SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc5AGENCY BULLET & CALLABLE
IRS990ScheduleD/OtherSecuritiesGrp/Desc6CUSO
IRS990ScheduleD/OtherSecuritiesGrp/Desc7MBR CU CD'S
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
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IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd7C

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