Civic Intelligence

Heritage South Community Cu

EIN 62-6040478 • 501(c)14 • Shelbyville, TN

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Profile

Provide service in the form of loans, shares, drafts, IRA and various other services for approximately 30,286 members.

P O Box 1219Shelbyville, TN 37162

www.heritagesouth.org

Siviq Scores

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

Liabilities / Assets

11th percentile

0.84x

Higher debt load relative to assets than 11% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

8th percentile

10.94x

Higher debt load relative to revenue than 8% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

88th percentile

21%

Higher net margin than 88% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

33rd percentile

$374,810

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

91st percentile

9.7%

Faster asset growth than 91% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

93rd percentile

30%

Faster revenue growth than 93% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$337,938,757

Up $30,014,237 (+9.7%) from 2023

Liabilities

Up

$285,082,198

Up $24,694,373 (+9.5%) from 2023

Net Assets

Up

$52,856,559

Up $5,319,864 (+11%) from 2023

Operations
Liabilities / Revenue8th percentileNet Margin88th percentile

Revenue

Up

$26,065,928

Up $6,077,793 (+30%) from 2023

Expenses

Up

$20,687,814

Up $3,061,620 (+17%) from 2023

Net Income

Up

$5,378,114

Up $3,016,173 (+128%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth91st percentile

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

$400M$300M$200M$100M$0Assets 2010: $148,225,579Liabilities 2010: $133,479,233Net Assets 2010: $14,746,3462010Assets 2011: $148,297,993Liabilities 2011: $132,339,344Net Assets 2011: $15,958,6492011Assets 2012: $153,473,506Liabilities 2012: $136,081,484Net Assets 2012: $17,392,0222012Assets 2013: $155,997,004Liabilities 2013: $138,480,155Net Assets 2013: $17,516,8492013Assets 2014: $160,897,469Liabilities 2014: $139,637,948Net Assets 2014: $21,259,5212014Assets 2015: $168,384,861Liabilities 2015: $144,837,130Net Assets 2015: $23,547,7312015Assets 2016: $181,046,596Liabilities 2016: $154,742,582Net Assets 2016: $26,304,0142016Assets 2017: $189,478,719Liabilities 2017: $160,060,458Net Assets 2017: $29,418,2612017Assets 2018: $214,670,597Liabilities 2018: $182,407,456Net Assets 2018: $32,263,1412018Assets 2019: $234,540,950Liabilities 2019: $199,158,016Net Assets 2019: $35,382,9342019Assets 2020: $277,451,948Liabilities 2020: $239,053,741Net Assets 2020: $38,398,2072020Assets 2021: $308,780,084Liabilities 2021: $267,502,250Net Assets 2021: $41,277,8342021Assets 2022: $310,634,277Liabilities 2022: $269,178,999Net Assets 2022: $41,455,2782022Assets 2023: $307,924,520Liabilities 2023: $260,387,825Net Assets 2023: $47,536,6952023Assets 2024: $337,938,757Liabilities 2024: $285,082,198Net Assets 2024: $52,856,5592024

Highlighted filing

2024

Assets$337,938,757
Liabilities$285,082,198
Net Assets$52,856,559
Open 2024 Filing

Operations Trend

Revenue Growth93rd percentile

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

$30M$20M$10M$0Expenses 2010: $10,956,3722010Expenses 2011: $10,958,5262011Revenue 2012: $11,691,759Expenses 2012: $10,235,980Net Income 2012: $1,455,7792012Revenue 2013: $11,212,136Expenses 2013: $9,424,084Net Income 2013: $1,788,0522013Revenue 2014: $11,144,287Expenses 2014: $8,706,510Net Income 2014: $2,437,7772014Revenue 2015: $11,600,756Expenses 2015: $9,313,100Net Income 2015: $2,287,6562015Revenue 2016: $12,884,659Expenses 2016: $10,413,194Net Income 2016: $2,471,4652016Revenue 2017: $14,644,602Expenses 2017: $11,508,903Net Income 2017: $3,135,6992017Revenue 2018: $16,843,304Expenses 2018: $14,026,740Net Income 2018: $2,816,5642018Revenue 2019: $18,115,825Expenses 2019: $15,076,027Net Income 2019: $3,039,7982019Revenue 2020: $17,539,374Expenses 2020: $14,519,210Net Income 2020: $3,020,1642020Revenue 2021: $17,719,881Expenses 2021: $13,889,101Net Income 2021: $3,830,7802021Revenue 2022: $17,607,679Expenses 2022: $14,056,011Net Income 2022: $3,551,6682022Revenue 2023: $19,988,135Expenses 2023: $17,626,194Net Income 2023: $2,361,9412023Revenue 2024: $26,065,928Expenses 2024: $20,687,814Net Income 2024: $5,378,1142024

Highlighted filing

2024

Revenue$26,065,928
Expenses$20,687,814
Net Income$5,378,114
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$337,938,757
Liabilities
$285,082,198
Net assets
$52,856,559
Revenue
$26,065,928
Expenses
$20,687,814
Net income
$5,378,114
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$338$285$52.9$26.1$20.7$5.38
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$308$260$47.5$20.0$17.6$2.36
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$311$269$41.5$17.6$14.1$3.55
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$309$268$41.3$17.7$13.9$3.83
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$277$239$38.4$17.5$14.5$3.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$235$199$35.4$18.1$15.1$3.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$215$182$32.3$16.8$14.0$2.82
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$189$160$29.4$14.6$11.5$3.14
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$181$155$26.3$12.9$10.4$2.47
2015Detailed filing. Detailed filing data is available for this year.$168$145$23.5$11.6$9.31$2.29
2014Detailed filing. Detailed filing data is available for this year.$161$140$21.3$11.1$8.71$2.44
2013Detailed filing. Detailed filing data is available for this year.$156$138$17.5$11.2$9.42$1.79
2012Summary only. Only limited summary data is available for this year.$153$136$17.4$11.7$10.2$1.46
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$148$132$16.0$11.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$148$133$14.7$11.0
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 7, 2025
Return Version
2024v5.0
Gross Receipts
$26,420,609
Mission and Program Overview

Mission

Provide service in the form of loans, shares, drafts, IRA and various other services for approximately 26,868 members.

Provide service in the form of loans, shares, drafts, IRA and various other services for approximately 34,264 members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$227,223,295$239,185,629▲ $11,962,334
Investments in Publicly Traded Securities$43,004,307$43,314,248▲ $309,941
Rtn Earn Endowment Incm Other Fnds$35,837,376$40,524,453▲ $4,687,077
Savings and Temporary Cash Investments$5,959,782$22,203,119▲ $16,243,337
Pd in Cap Srpls Land Bldg Eqp Fund$11,699,319$12,332,106▲ $632,787
Land, Buildings, and Equipment, Net$8,750,671$8,599,500▼ $151,171
Cash and Non-Interest-Bearing Accounts$5,522,662$6,433,838▲ $911,176
Receivables From Officers Etc$1,179,799$1,232,835▲ $53,036
Prepaid Expenses and Deferred Charges$389,915$555,759▲ $165,844
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$307,924,520$337,938,757▲ $30,014,237
Other Assets Total$15,894,089$16,413,829▲ $519,740
Liabilities
Other Liabilities$255,992,561$269,413,773▲ $13,421,212
Mortgage Notes Payable Secured by Investment Property$0$12,500,000▲ $12,500,000
Accounts Payable and Accrued Expenses$4,395,264$3,168,425▼ $1,226,839
Total Liabilities$260,387,825$285,082,198▲ $24,694,373
Net Assets / Fund Balance
Total Net Assets Fund Balance$47,536,695$52,856,559▲ $5,319,864
Total Liabilities and Net Assets / Fund Balance$307,924,520$337,938,757▲ $30,014,237

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,842,454$3,103,398$7,945,852
Equipment$905,161$5,830,351$6,735,512
Land$2,847,821-$2,847,821
Leasehold Improvements$4,064$0$4,064
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laura ParhamCEOFT$252,000$122,810$374,810
David KingSVP - Information TechnologyFT$145,600$34,520$180,120
Beverly SaylorSVP - Compliance & Internal AuditorFT$137,614$33,038$170,652
Jody StovallCFOFT$135,426$32,544$167,970
Brett YoungFinancial AnalystFT$101,400$22,658$124,058
Tony HicksDirector of Business LendingFT$91,858$21,064$112,922
Danielle HaleVP - LendingFT$91,203$19,658$110,861
Jesse WrennIT Security AdministratorFT$86,216$21,074$107,290
Geraldine GassawayBranch ManagerFT$84,194$21,199$105,393
Wes TrundleVP - MarketingFT$83,135$18,705$101,840

Board Members and Trustees

NameTitle
Ken MaloneBoard President
Talley FloydBoard Vice President
Andrea AndersonBoard member
Clay LedfordBoard member
Wyatt BurkBoard member
Brian ParkerBoard Secretary
Jerry GordonBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,509,629
Investment Income
$2,008,987
Other Revenue
$6,547,312
Change in Net Assets
$5,378,114

Audited Revenue Reconciliation

Revenue per Audited Statements
$26,065,928
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$26,065,928
Total Revenue per Form 990
$26,065,928
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,532,144
Salaries, Compensation, and Employee Benefits$8,155,670
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$4,718,268
Other Salaries and Wages---$4,401,033
Current Officers, Directors, Trustees, and Key Employees---$1,555,916
Fees for Services Other---$1,370,894
Other Employee Benefits---$1,067,841
Occupancy---$887,431
Pension Plan Contributions---$638,136
Payroll Taxes---$492,744
Other Expenses---$489,354
Advertising---$399,640
Information Technology---$359,118
Depreciation Depletion---$266,200
Fees for Services Accounting---$229,270
Office Expenses---$173,520
Travel---$118,509
Insurance---$91,320
Conferences and Meetings---$9,557
Fees for Services Legal---$2,200
Total Functional Expenses$0$0$0$20,687,814

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,687,814
Total Expenses per Audited Statements$20,687,814
Total Expenses per Form 990$20,687,814
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,179,799$1,232,835▲ $53,036
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share and deposits$269,413,773
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has approximately 34,264 members.”

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

“An annual meeting is held by the organization at which time any members present may participate in the election of various members of the governing body.”

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

“All members present at the annual meeting held by the organization ratify any decisions made by the governing body.”

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

“A copy of the Form 990 is provided to the governing body for review and approval before it is filed.”

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

“Our policy is monitored regularly during the normal course of business and the governing body attest to adherence to this policy on an annual basis.”

Form 990, Part VI, Section B, Line 15

“The annual review of the CEO/President of the Credit Union is handled by the compensation committee of the governing body.”

Form 990, Part VI, Section C, Line 19

“These items are available upon request at our main office.”

Filing and Contact Details

Filer

Filer Name
Heritage South Community Cu
EIN
62-6040478
Phone
9316843596
Address
P O Box 1219, Shelbyville, TN 37162

Signing Officer

Name
Jody Stovall
Title
Chief Financial Officer
Phone
9316843596
Signed
2025-05-07

Organization Details

Principal Officer
Laura Parham
Formed
1957
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
99
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“General equipment & software maintenance, statement & notice processing and dues & subscriptions”

Form 990, Part XI, Line 9

“Entry fees”

Raw XML AppendixShowing 400 of 814 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/BOYAmt04395264
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt03168425
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Provide service in the form of loans, shares, drafts, IRA and various other services for approximately 34,264 members.
IRS990/AdvertisingGrp/TotalAmt0399640
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0Laura Parham
IRS990/BooksInCareOfDetail/PhoneNum09316843596
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0763 North Main Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Shelbyville
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037160
IRS990/BusinessRlnWith35CtrlEntInd00
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IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt05522662
IRS990/CashNonInterestBearingGrp/EOYAmt06433838
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01555916
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt09557
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/CreditCounselingInd00
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherExpensesAmt012532144
IRS990/CYOtherRevenueAmt06547312
IRS990/CYProgramServiceRevenueAmt017509629
IRS990/CYRevenuesLessExpensesAmt05378114
IRS990/CYSalariesCompEmpBnftPaidAmt08155670
IRS990/CYTotalExpensesAmt020687814
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt026065928
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0266200
IRS990/Desc0Provides various financial services to its approximately 34,264 members.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
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IRS990/DonorAdvisedFundInd00
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IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt099
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt020687814
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0229270
IRS990/FeesForServicesLegalGrp/TotalAmt02200
IRS990/FeesForServicesOtherGrp/TotalAmt01370894
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd5X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd6X
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IRS990/Form990PartVIISectionAGrp/PersonNm0Laura Parham
IRS990/Form990PartVIISectionAGrp/PersonNm1David King
IRS990/Form990PartVIISectionAGrp/PersonNm2Beverly Saylor
IRS990/Form990PartVIISectionAGrp/PersonNm3Jody Stovall
IRS990/Form990PartVIISectionAGrp/PersonNm4Brett Young
IRS990/Form990PartVIISectionAGrp/PersonNm5Tony Hicks
IRS990/Form990PartVIISectionAGrp/PersonNm6Danielle Hale
IRS990/Form990PartVIISectionAGrp/PersonNm7Jesse Wrenn
IRS990/Form990PartVIISectionAGrp/PersonNm8Geraldine Gassaway
IRS990/Form990PartVIISectionAGrp/PersonNm9Wes Trundle
IRS990/Form990PartVIISectionAGrp/PersonNm10Ken Malone
IRS990/Form990PartVIISectionAGrp/PersonNm11Talley Floyd
IRS990/Form990PartVIISectionAGrp/PersonNm12Jerry Gordon
IRS990/Form990PartVIISectionAGrp/PersonNm13Brian Parker
IRS990/Form990PartVIISectionAGrp/PersonNm14Wyatt Burk
IRS990/Form990PartVIISectionAGrp/PersonNm15Clay Ledford
IRS990/Form990PartVIISectionAGrp/PersonNm16Andrea Anderson
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0374810
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1180120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2170652
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3167970
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4124058
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5112922
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6110861
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7107290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8105393
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9101840
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
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/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1SVP - Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt2SVP - Compliance & Internal Auditor
IRS990/Form990PartVIISectionAGrp/TitleTxt3CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt4Financial Analyst
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director of Business Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP - Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt7IT Security Administrator
IRS990/Form990PartVIISectionAGrp/TitleTxt8Branch Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP - Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board President
IRS990/Form990PartVIISectionAGrp/TitleTxt11Board Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt12Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt13Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt14Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt15Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt16Board member
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IRS990/Form990TFiledInd01
IRS990/FormationYr01957
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0354681
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt026420609
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt00
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0359118
IRS990/InsuranceGrp/TotalAmt091320
IRS990/InterestGrp/TotalAmt04718268
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02008987
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02008987
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt043004307
IRS990/InvestmentsPubTradedSecGrp/EOYAmt043314248
IRS990/IRPDocumentCnt04752
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08933749
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08750671
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08599500
IRS990/LandBldgEquipCostOrOtherBssAmt017533249
IRS990/LegalDomicileStateCd0TN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0354681
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
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IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt02886701
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt02886701
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Provide service in the form of loans, shares, drafts, IRA and various other services for approximately 34,264 members.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt012500000
IRS990/NetAssetsOrFundBalancesBOYAmt047536695
IRS990/NetAssetsOrFundBalancesEOYAmt052856559
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-1631
IRS990/NetUnrlzdGainsLossesInvstAmt0-61982
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0887431
IRS990/OfficeExpensesGrp/TotalAmt0173520
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt015894089
IRS990/OtherAssetsTotalGrp/EOYAmt016413829
IRS990/OtherChangesInNetAssetsAmt03732
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01067841
IRS990/OtherExpensesGrp/Desc0ATM & Debit Card Expenses
IRS990/OtherExpensesGrp/Desc1Loan expenses
IRS990/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc3Miscellaneous expenses
IRS990/OtherExpensesGrp/TotalAmt01758215
IRS990/OtherExpensesGrp/TotalAmt1949502
IRS990/OtherExpensesGrp/TotalAmt2709146
IRS990/OtherExpensesGrp/TotalAmt3489354
IRS990/OtherLiabilitiesGrp/BOYAmt0255992561
IRS990/OtherLiabilitiesGrp/EOYAmt0269413773
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0Other operating income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03660611
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03660611
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt06547312
IRS990/OtherSalariesAndWagesGrp/TotalAmt04401033
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0227223295
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0239185629
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0492744
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt011699319
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt012332106
IRS990/PensionPlanContributionsGrp/TotalAmt0638136
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0389915
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0555759
IRS990/PrincipalOfficerNm0Laura Parham
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt017509629
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt017509629
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0-976095
IRS990/PYOtherExpensesAmt09998243
IRS990/PYOtherRevenueAmt06579918
IRS990/PYProgramServiceRevenueAmt014384312
IRS990/PYRevenuesLessExpensesAmt02361941
IRS990/PYSalariesCompEmpBnftPaidAmt07627951
IRS990/PYTotalExpensesAmt017626194
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt019988135
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01179799
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01232835
IRS990/ReconcilationRevenueExpnssAmt05378114
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt026065928
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt035837376
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt040524453
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05959782
IRS990/SavingsAndTempCashInvstGrp/EOYAmt022203119
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04842454
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03103398
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07945852
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0905161
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05830351
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06735512
IRS990ScheduleD/ExpensesNotReportedAmt00

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