Civic Intelligence

Eastman Credit Union

EIN 62-6039479 • 501(c)14 • Kingsport, TN

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Profile

Operated during 2021 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union (continued on schedule o)co-operative values and service excellence expectations.

PO Box 1989Kingsport, TN 37662

www.ecu.org

Siviq Scores

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

Liabilities / Assets

6th percentile

0.86x

Higher debt load relative to assets than 6% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Liabilities / Revenue

58th percentile

15.84x

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

501(c)14 • $1B+ nonprofits • Source year 2023

Net Margin

99th percentile

35%

Higher net margin than 99% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Top Officer Pay

58th percentile

$950,706

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 0.3% of source-year revenue.

$1B+ nonprofits • Source year 2021

Asset Growth

79th percentile

7.2%

Faster asset growth than 79% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Revenue Growth

83rd percentile

27%

Faster revenue growth than 83% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets6th percentile

Assets

Up

$8,017,428,459

Up $535,623,004 (+7.2%) from 2022

Liabilities

Up

$6,906,350,677

Up $388,722,116 (+6.0%) from 2022

Net Assets

Up

$1,111,077,782

Up $146,900,888 (+15%) from 2022

Operations
Liabilities / Revenue58th percentileNet Margin99th percentile

Revenue

Up

$436,090,758

Up $93,621,689 (+27%) from 2022

Expenses

Up

$283,680,095

Up $76,105,115 (+37%) from 2022

Net Income

Up

$152,410,663

Up $17,516,574 (+13%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth79th percentile

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

$10B$5.0B$0Assets 2010: $2,334,750,760Liabilities 2010: $2,076,716,065Net Assets 2010: $258,034,6952010Assets 2011: $2,519,782,650Liabilities 2011: $2,233,798,415Net Assets 2011: $285,984,2352011Assets 2012: $2,680,227,064Liabilities 2012: $2,360,105,335Net Assets 2012: $320,121,7292012Assets 2013: $2,840,431,500Liabilities 2013: $2,485,244,863Net Assets 2013: $355,186,6372013Assets 2014: $3,064,787,129Liabilities 2014: $2,676,448,187Net Assets 2014: $388,338,9422014Assets 2015: $3,259,632,514Liabilities 2015: $2,832,459,491Net Assets 2015: $427,173,0232015Assets 2016: $3,632,524,675Liabilities 2016: $3,159,537,504Net Assets 2016: $472,987,1712016Assets 2017: $4,032,781,119Liabilities 2017: $3,508,719,554Net Assets 2017: $524,061,5652017Assets 2018: $4,530,156,863Liabilities 2018: $3,946,228,546Net Assets 2018: $583,928,3172018Assets 2019: $5,099,588,309Liabilities 2019: $4,446,344,784Net Assets 2019: $653,243,5252019Assets 2020: $6,139,596,788Liabilities 2020: $5,409,549,664Net Assets 2020: $730,047,1242020Assets 2021: $7,123,603,375Liabilities 2021: $6,292,378,428Net Assets 2021: $831,224,9472021Assets 2022: $7,481,805,455Liabilities 2022: $6,517,628,561Net Assets 2022: $964,176,8942022Assets 2023: $8,017,428,459Liabilities 2023: $6,906,350,677Net Assets 2023: $1,111,077,7822023

Highlighted filing

2023

Assets$8,017,428,459
Liabilities$6,906,350,677
Net Assets$1,111,077,782
Open 2023 Filing

Operations Trend

Revenue Growth83rd percentile

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

$600M$400M$200M$0Expenses 2010: $94,424,1922010Expenses 2011: $89,149,1552011Expenses 2012: $85,200,9792012Revenue 2013: $119,271,381Expenses 2013: $86,983,029Net Income 2013: $32,288,3522013Revenue 2014: $127,179,422Expenses 2014: $91,815,960Net Income 2014: $35,363,4622014Revenue 2015: $137,101,779Expenses 2015: $97,602,882Net Income 2015: $39,498,8972015Revenue 2016: $151,150,452Expenses 2016: $104,395,864Net Income 2016: $46,754,5882016Revenue 2017: $173,853,772Expenses 2017: $123,013,571Net Income 2017: $50,840,2012017Revenue 2018: $216,841,815Expenses 2018: $155,604,971Net Income 2018: $61,236,8442018Revenue 2019: $251,106,306Expenses 2019: $181,790,875Net Income 2019: $69,315,4312019Revenue 2020: $271,988,267Expenses 2020: $195,303,852Net Income 2020: $76,684,4152020Revenue 2021: $291,234,788Expenses 2021: $190,998,639Net Income 2021: $100,236,1492021Revenue 2022: $342,469,069Expenses 2022: $207,574,980Net Income 2022: $134,894,0892022Revenue 2023: $436,090,758Expenses 2023: $283,680,095Net Income 2023: $152,410,6632023

Highlighted filing

2023

Revenue$436,090,758
Expenses$283,680,095
Net Income$152,410,663
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$8,017,428,459
Liabilities
$6,906,350,677
Net assets
$1,111,077,782
Revenue
$436,090,758
Expenses
$283,680,095
Net income
$152,410,663
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$8,017$6,906$1,111$436$284$152
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7,482$6,518$964$342$208$135
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$7,124$6,292$831$291$191$100
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6,140$5,410$730$272$195$76.7
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,100$4,446$653$251$182$69.3
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,530$3,946$584$217$156$61.2
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,033$3,509$524$174$123$50.8
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,633$3,160$473$151$104$46.8
2015Facts available. Structured filing facts are available, but richer extracted sections are limited.$3,260$2,832$427$137$97.6$39.5
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,065$2,676$388$127$91.8$35.4
2013Summary only. Only limited summary data is available for this year.$2,840$2,485$355$119$87.0$32.3
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,680$2,360$320$85.2
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,520$2,234$286$89.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,335$2,077$258$94.4
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2021 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 10, 2022
Return Version
2021v4.2
Gross Receipts
$292,260,371
Mission and Program Overview

Mission

Operated during 2020 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union (continued on schedule o)co-operative values and service excellence expectations.

Operated during 2021 as a state chartered credit union whose purpose is (continued on schedule o)to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,991,140,317$5,515,171,591▲ $524,031,274
Savings and Temporary Cash Investments$924,041,750$1,372,143,929▲ $448,102,179
Rtn Earn Endowment Incm Other Fnds$730,047,124$831,224,947▲ $101,177,823
Land, Buildings, and Equipment, Net$87,150,475$91,820,746▲ $4,670,271
Cash and Non-Interest-Bearing Accounts$41,612,740$44,232,301▲ $2,619,561
Investments Program Related$28,999,891$24,490,502▼ $4,509,389
Prepaid Expenses and Deferred Charges$7,987,468$8,918,278▲ $930,810
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$6,139,596,788$7,123,603,375▲ $984,006,587
Other Assets Total$58,664,147$66,826,028▲ $8,161,881
Liabilities
Other Liabilities$5,326,571,774$6,212,311,809▲ $885,740,035
Accounts Payable and Accrued Expenses$74,210,321$71,519,417▼ $2,690,904
Escrow Account Liability$8,767,569$8,547,202▼ $220,367
Total Liabilities$5,409,549,664$6,292,378,428▲ $882,828,764
Net Assets / Fund Balance
Total Net Assets Fund Balance$730,047,124$831,224,947▲ $101,177,823
Total Liabilities and Net Assets / Fund Balance$6,139,596,788$7,123,603,375▲ $984,006,587

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$58,294,439$29,586,952$87,881,391
Equipment$7,856,951$29,932,622$37,789,573
Land$22,851,782-$22,851,782
Leasehold Improvements$512,586$2,023,401$2,535,987
Other Land Buildings$2,304,988-$2,304,988
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kelly PricePresident, CEOFT$601,521$349,185$950,706
Darrell DinsmoreSVP, Chief Administrative OfficerFT$314,667$120,940$435,607
Tonja FishVP, Chief Financial OfficerFT$315,478$109,750$425,228
Debra BridwellSVP, Chief Marketing / Facilities OfficerFT$371,282$25,548$396,830
Debra BridwellSVP, Chief Marketing / Facilities of-$282,901$113,929$396,830
Matt WimberleyVP, Chief Legal Officer/gen. CounselFT$231,127$135,430$366,557
Jeremiah LoundsVP, Chief Operating OfficerFT$220,920$113,833$334,753
Mark MillwoodVP, Chief Human Resource OfficerFT$206,414$111,610$318,024
Thomas KennedyDirector Business ServicesFT$208,778$90,796$299,574
Tammy Latture Through 0521SVP, Member Service/lendingFT$253,193$33,384$286,577
Dolly LinkousVP, Chief Lending OfficerFT$204,784$63,178$267,962
Robin WilkersonEnterprise Project ManagerFT$179,478$87,176$266,654
Russell AyscueVP, Chief Information OfficerFT$174,506$73,745$248,251
Deborah ByersRegional DirectorFT$160,030$52,172$212,202
Linda CoxDirector FacilitiesFT$167,158$41,141$208,299
Michelle ClarkDirector Internal AuditFT$153,367$43,580$196,947
Olan JonesFormer President/CEOFT$104,931-$104,931

Board Members and Trustees

NameTitle
E Wayne KirkChairman of the Board
Norris SneedVice Chairman of the Board
Gary BassDirector
Jeff AndersonDirector
Jennifer WolfeDirector
Kyle MacioneDirector
Steve CrawfordDirector
Jennifer StewartSecretary/treasurer of the Board

Highest Paid Contractors

ContractorServicesLocationCompensation
Goins Rash Cain INCContracting/building Services130 REGIONAL PARK DRIVE, Kingsport, TN 37660$4,538,364
Idscom - Intelligent Document SolutionsStatement Processing/mailing Services747 E WHITCOMB AVENUE, Madison Heights, MI 48071$3,084,666
Ncr CorporationOnline Banking/bill Pay Services864 SPRINGS STREET NW, Atlanta, GA 30308$2,248,175
Fiserv Solutions INCSoftware Solutions ServicesPO BOX 934057, Atlanta, GA 31193-4057$2,201,009
Microsoft CorporationSoftware Solutions ServicesONE WAY MICROSOFT, Redmond, WA 98052$1,423,404
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$289,341,485
Investment Income
$1,703,158
Other Revenue
$190,145
Change in Net Assets
$100,236,149
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$118,424,321
Salaries, Compensation, and Employee Benefits$69,918,430
Grants and Similar Amounts Paid$2,655,888
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$57,098,474
Other Salaries and Wages---$47,912,881
Office Expenses---$10,021,138
Information Technology---$8,886,209
Other Employee Benefits---$8,509,151
Depreciation Depletion---$7,465,174
Pension Plan Contributions---$5,124,902
Occupancy---$4,656,610
Payroll Taxes---$4,341,002
Current Officers, Directors, Trustees, and Key Employees---$4,030,494
Advertising---$2,968,906
Other Expenses---$2,700,000
Grants to Domestic Orgs---$2,655,888
Fees for Services Other---$487,084
Conferences and Meetings---$396,473
Fees for Services Legal---$363,210
Insurance---$357,395
Travel---$248,155
Fees for Services Accounting---$119,236
Total Functional Expenses$0$0$0$190,998,639
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Ballad Health FoundationJohnson City, TN501(c)(3)Bloodmobile Sponsorship, Project Sponsorship, and Event Sponsorship$1,271,965
Etsu FoundationJohnson City, TN501(c)(3)Arts Initiative$362,500
Johnson City Chamber of CommerceJohnson City, TN501(c)(6)Event Sponsorship and General Assistance$151,000
K-play Sports Council IncKingsport, TN501(c)(3)Project Sponsorship$100,000
Ywca Northeast Tnsw VaBristol, TN501(c)(3)General Assistance and Capital Campaign$80,000
Petworks Animal ServicesKingsport, TN501(c)(3)Capital Campaign$50,000
Boones Creek Historical TrustGray, TN501(c)(3)Project Sponsorship$35,000
Barter TheatreAbingdon, VA501(c)(3)Annual Sponsorship$30,000
City of KingsportKingsport, TNGovernmentProject Sponsorship$30,000
Longview Arboretum & Nature CenterLongview, TX501(c)(3)Event Sponsorship and Project Sponsorship$29,500
Kingsport Chamber of Commerce FoundationKingsport, TN501(c)(3)Event Sponsorship and General Assistance$26,000
Birthplace of Country MusicBristol, VA501(c)(3)Event Sponsorship$25,000
Coalition for Kids IncJohnson City, TN501(c)(3)General Contribution$25,000
Longview Chamber of CommerceLongview, TX501(c)(6)General Assistance$25,000
Holston Annual Conference of the United Methodist Church Inc - Camp BaysKingsport, TN501(c)(3)Kitchen Equipment$20,539
Providence Medical ClinicKingsport, TN501(c)(3)General Contribution$20,000
United Way of Greater KingsportKingsport, TN501(c)(3)General Contribution$20,000
United Way of East Tn HighlandsJohnson City, TN501(c)(3)General Contribution$17,500
Kingsport Chamber of CommerceKingsport, TN501(c)(6)Event Sponsorship and General Assistance$16,975
Bays Mountain Park and PlanetariumKingsport, TN501(c)(3)Project Sponsorship$15,000
Greater Kingsport Family YmcaKingsport, TN501(c)(3)Capital Campaign$15,000
Boys & Girls Club of the Big PinesMarshall, TX501(c)(3)General Contribution$10,000
Newgate MissionLongview, TX501(c)(3)Project Sponsorship$10,000
Symphony of the MountainsKingsport, TN501(c)(3)Season Sponsor$10,000
Keystone DentalJohnson City, TN501(c)(3)General Contribution$9,000
Frontier Health FoundationGray, TN501(c)(3)General Contribution and Event Sponsorship$8,500
Ymca of BristolBristol, TN501(c)(3)Capital Campaign$8,333
Girls Inc of KingsportKingsport, TN501(c)(3)Capital Campaign, General Contribution, and Event Sponsorship$8,088
Covenant Counseling CenterKingsport, TN501(c)(3)"PATH TO HOPE: BREAKING DOWN BARRIERS" PROGRAM$7,500
United Way of Bristol TnvaBristol, TN501(c)(3)General Contribution$7,000
United Way of Hawkins CountyRogersville, TN501(c)(3)General Contribution$7,000
United Way of Southwest VirginiaAbingdon, VA501(c)(3)General Contribution$7,000
Salvation Army of KingsportKingsport, TN501(c)(3)Red Kettle Match$6,708
Hope Tri-citiesKingsport, TN501(c)(3)ASSIST WITH ORGANIZATION'S RENT (1 YEAR)$6,000
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$11,875
Total Exempt Function Spending$11,875
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
23-7065623Washington, DC$10,875
46-2728395Chattanooga, TN$1,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
State Chartered Credit Union Deposits$6,212,311,809
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Eastman credit union is a member owned non-profit tax exempt corporation in which each member owns an equal share.”

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

“At the annual meeting of the members, eastman credit union's members elect individuals from the credit union's membership to serve on the board of directors for three year terms. In the event there is a vacancy on the board, the directors may appoint an interim member to serve out the term of the vacant board position.”

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

“Eastman credit union's members have the right to vote, on a per capita basis, on dissolution of the credit union, merger with another credit union, expulsion of a member, conversion from a state to a federally chartered credit union, conversion to another type of financial institution, or to overrule a decision of the credit union's board of directors.”

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

“Eastman credit union's form 990 is prepared by an outside cpa firm and then reviewed by ecu's ceo, cfo, vp, chief legal officer and general counsel, vp, chief human resource officer, and controller. A complete copy of this form 990 is provided to all members of the ecu board of directors before filing the form.”

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

“Prior to employment all employees and officers of eastman credit union are required to disclose all potential conflicts of interest and must agree to update the disclosure in the event any conflicts arise subsequent to employment. Prior to serving on the board of directors, all prospective board members are required to disclose all potential conflicts of interest. All employees and members of the board of directors are also required to complete an updated disclosure at least annually. It is the responsibility of the president or chair of the board of directors to determine the resolution of all actual or potential conflicts of interest. Members of the board of directors do not participate in the deliberations or voting on matters where an actual or apparent conflict of interest exists.”

Form 990, Part VI, Section B, Line 15

“Eastman credit union annually participates in executive compensation surveys of reputable compensation consultants by providing current base and total compensation information of the ecu officers. The consulting groups focus on comparative compensation information within the credit union industry. As a result of participation, ecu receives data compilation reports and analyses from the studies conducted by these compensation experts. Ranking and comparative information for each relevant position is provided in both studies. Ecu studies and utilizes peer group information relative to ecu's asset size as benchmark data. Eastman credit union works with consultants from each respective consulting firm to obtain special data cuts, clarifying information, and advice regarding matching of ecu positions to benchmark jobs, industry average increase in executive compensation, and other information related to executive base and total compensation factors. The vice president of human resources provides a recap of compensation study information in a presentation format during a meeting of the compensation committee (subcommittee of the ecu board of directors). The compensation committee reviews the data and discusses and presents questions related to the information provided. When necessary, the vp, chief human resource officer will follow up with compensation consultants for additional information to be presented for discussion and consideration. The compensation committee approves an average salary increase for the ceo's direct reports and authorizes the ceo to award individual salary increases accordingly. Final awards are documented and signed by both the ceo and the chair of the compensation committee. This document is submitted to payroll via the vp, chief human resource officer. The compensation committee meets in executive session to further consider compensation data for the ceo. Final award is documented and signed as approved by the chair of the compensation committee. This document is submitted to payroll via the vp, chief human resource officer. Original documents are maintained on file in the human resources department.”

Form 990, Part VI, Section C, Line 19

“The governing documents and other records and policies of ecu are not generally made available to the public. Ecu members are entitled to inspect certain records of the credit union after complying with the requirements of state law. Financial information is posted on ecu's website and published in the annual report.”

Filing and Contact Details

Filer

Filer Name
Eastman Credit Union
EIN
62-6039479
Phone
4232298200
Address
PO BOX 1989, KINGSPORT, TN 37662

Signing Officer

Name
Kelly Price
Title
President & CEO
Phone
4232298200
Signed
2022-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kelly Price
Formed
1934
Legal Domicile
Tn
Voting Board Members
9
Independent Board Members
8
Employees
1,080
Volunteers
8

Preparer

Firm
Moss Adams Llp
Address
601 W RIVERSIDE AVENUE STE 1800, SPOKANE, WA 99201
Preparer
Emina O Cresswell CPA
Phone
5097472600
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net defined benefit pension plan cost adjustment 1,035,514. Net post-retirement benefit plan cost adjustment -86,213.”

Financial Statement Notes

PART IV, LINE 2B:

“Ecu maintains escrow accounts on the loans in the mortgage portfolio for payment of property taxes and homeowner's insurance. The accounts are treated as other deposit accounts and earn interest at the regular share account rate as long as the escrow balance is positive. Amounts are deposited monthly and payments are made as necessary during the year. Escrows are "trued" once a year to prevent excess or correct short-falls.”

PART X, LINE 2:

“The credit union is exempt, by statute, from federal income taxes. Management of the credit union believes there was no unrelated business income tax (ubit) for the years ended december 31, 2021 or 2020. However, the credit union may be subject to ubit, as there is uncertainty regarding whether the credit union should pay income taxes on certain types of net taxable income from activities as further discussed in note 9 of financial statements. It is the credit union's policy to record any penalties or interest arising from federal or state taxes as a component of noninterest expense. The credit union files exempt organization and unrelated business income tax returns with the federal jurisdiction. Note 9 - the internal revenue service (irs) and certain state taxing authorities are currently revisiting what, if any, products and services provided by credit unions are subject to ubit. There is currently very little guidance in the irc on what activities should be subject to ubit. The irs has indicated they are studying the issue and may issue additional guidance. As a result, at this time there is uncertainty regarding whether the credit union should pay income tax on certain types of net taxable income from activities that may be considered by taxing authorities as unrelated to the purpose for which the credit union was granted nontaxable status. The credit union has filed tax returns in the past for certain potential taxable activities. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities deemed to be unrelated to the credit union's nontaxable status is not expected to have a material effect on the credit union's consolidated financial position or results of operations.”

Raw XML AppendixShowing 400 of 1,190 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
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IRS990/BooksInCareOfDetail/PhoneNum04235787587
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02021 MEADOWVIEW LANE
IRS990/BooksInCareOfDetail/USAddress/CityNm0KINGSPORT
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037660
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IRS990/BusinessRlnWithOrgMemInd00
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1IDSCOM - INTELLIGENT DOCUMENT SOLUTIONS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2NCR CORPORATION
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IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY/TREASURER OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT, CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9SVP, CHIEF ADMINISTRATIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP, CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP, CHIEF MARKETING / FACILITIES OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP, CHIEF LEGAL OFFICER/GEN. COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP, CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP, CHIEF HUMAN RESOURCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP, MEMBER SERVICE/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP, CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP, CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt19ENTERPRISE PROJECT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt20REGIONAL DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR FACILITIES
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR INTERNAL AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt23FORMER PRESIDENT/CEO
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IRS990/MissionDesc0OPERATED DURING 2021 AS A STATE CHARTERED CREDIT UNION WHOSE PURPOSE IS TO BE THE PREFERRED FINANCIAL INSTITUTION IN THE COMMUNITIES WE SERVE BY PROVIDING FINANCIAL PRODUCTS AND SERVICES WHICH ADD VALUE TO MEMBERS, GUIDED BY CREDIT UNION (CONTINUED ON SCHEDULE O)CO-OPERATIVE VALUES AND SERVICE EXCELLENCE EXPECTATIONS.
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
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IRS990/ProgSrvcAccomActy2Grp/Desc0OPERATED DURING 2021 AS A STATE CHARTERED MUTUALLY OWNED CREDIT UNION THAT MADE LOANS TO ITS MEMBERS AT REASONABLE RATES OF INTEREST. MAINTAINED A LOAN PORTFOLIO COMPOSED OF CONSUMER, MORTGAGE, HOME EQUITY, VISA AND MEMBER BUSINESS LOANS THAT TOTALED $5,515,171,591.
IRS990/ProgSrvcAccomActy3Grp/Desc0INVESTED ANY SURPLUS NOT REQUIRED FOR LOANS TO EXERCISE THOSE FUNCTIONS DESCRIBED IN THE LAW OF THE STATE OF TENNESSEE AUTHORIZING THE ORGANIZATION OF CREDIT UNIONS THEREBY FURNISHING OTHER COOPERATIVE FINANCIAL SERVICES TO MEMBERS.
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IRS990/PYOtherRevenueAmt0209925
IRS990/PYProgramServiceRevenueAmt0269461956
IRS990/PYRevenuesLessExpensesAmt076684415
IRS990/PYSalariesCompEmpBnftPaidAmt066144415
IRS990/PYTotalExpensesAmt0195303852

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