Civic Intelligence

Electric Service Credit Union

990 • Fiscal year 2015 • EIN 62-6040513

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 29, 2016

Organization ProfileWWW.ESCU.COM

View Organization Page

2340 Jackson Downs BlvdNashville, TN 37214-2372

(615) 687-4801

Siviq Scores

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

Liabilities / Assets

29th percentile

0.87x

Higher debt load relative to assets than 29% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

23rd percentile

15.24x

Higher debt load relative to revenue than 23% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

11th percentile

-0.4%

Higher net margin than 11% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

72nd percentile

$165,060

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

59th percentile

5.3%

Faster asset growth than 59% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

44th percentile

1.1%

Faster revenue growth than 44% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$63,693,938

Up $3,226,291 (+5.3%) from 2014

Net Assets

Down

$8,399,469

Down $60,674 (-0.7%) from 2014

Liabilities

Up

$55,294,469

Up $3,286,965 (+6.3%) from 2014

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin11th percentile

Revenue

Up

$3,627,136

Up $39,623 (+1.1%) from 2014

Expenses

Up

$3,642,811

Up $149,648 (+4.3%) from 2014

Net Income

Down

-$15,675

Down $110,025 (-117%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth59th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$100M$50M$0Assets 2010: $50,311,237Liabilities 2010: $42,285,375Net Assets 2010: $8,025,8622010Assets 2011: $53,212,173Liabilities 2011: $44,891,789Net Assets 2011: $8,320,3842011Assets 2012: $58,277,045Liabilities 2012: $49,908,360Net Assets 2012: $8,368,6852012Assets 2013: $59,307,808Liabilities 2013: $51,007,775Net Assets 2013: $8,300,0332013Assets 2014: $60,467,647Liabilities 2014: $52,007,504Net Assets 2014: $8,460,1432014Assets 2015: $63,693,938Liabilities 2015: $55,294,469Net Assets 2015: $8,399,4692015Assets 2016: $64,263,709Liabilities 2016: $56,407,580Net Assets 2016: $7,856,1292016Assets 2017: $66,009,913Liabilities 2017: $58,120,196Net Assets 2017: $7,889,7172017Assets 2018: $65,015,104Liabilities 2018: $57,091,169Net Assets 2018: $7,923,9352018Assets 2019: $68,585,676Liabilities 2019: $60,599,664Net Assets 2019: $7,986,0122019Assets 2020: $76,182,619Liabilities 2020: $68,150,709Net Assets 2020: $8,031,9102020Assets 2021: $84,432,657Liabilities 2021: $76,148,227Net Assets 2021: $8,284,4302021Assets 2022: $85,091,786Liabilities 2022: $76,411,257Net Assets 2022: $8,680,5292022Assets 2023: $80,588,974Liabilities 2023: $72,238,019Net Assets 2023: $8,350,9552023Assets 2024: $79,287,213Liabilities 2024: $70,847,319Net Assets 2024: $8,439,8942024

Highlighted filing

2015

Assets$63,693,938
Liabilities$55,294,469
Net Assets$8,399,469
Open 2015 Filing

Operations Trend

Revenue Growth44th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,817,6362010Expenses 2011: $2,809,7532011Expenses 2012: $3,136,9172012Revenue 2013: $3,424,733Expenses 2013: $3,388,100Net Income 2013: $36,6332013Revenue 2014: $3,587,513Expenses 2014: $3,493,163Net Income 2014: $94,3502014Revenue 2015: $3,627,136Expenses 2015: $3,642,811Net Income 2015: -$15,6752015Revenue 2016: $3,849,116Expenses 2016: $4,446,665Net Income 2016: -$597,5492016Revenue 2017: $3,723,739Expenses 2017: $3,720,620Net Income 2017: $3,1192017Revenue 2018: $3,816,640Expenses 2018: $3,788,109Net Income 2018: $28,5312018Revenue 2019: $3,935,786Expenses 2019: $3,892,586Net Income 2019: $43,2002019Revenue 2020: $4,127,178Expenses 2020: $4,078,919Net Income 2020: $48,2592020Revenue 2021: $4,588,349Expenses 2021: $4,327,335Net Income 2021: $261,0142021Revenue 2022: $4,938,371Expenses 2022: $4,497,909Net Income 2022: $440,4622022Revenue 2023: $5,752,121Expenses 2023: $5,344,105Net Income 2023: $408,0162023Revenue 2024: $5,816,940Expenses 2024: $5,736,622Net Income 2024: $80,3182024

Highlighted filing

2015

Revenue$3,627,136
Expenses$3,642,811
Net Income-$15,675
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 29, 2016
Return Version
2015v2.1
Gross Receipts
$14,026,185
Mission and Program Overview

Mission

Credit union - to provide services for approximately 8,239 members in the form of loans, savings, and other financial services.

The mission of the electric service credit union is to operate a sound financial cooperative for the members and to provide quality personal service that meets or exceeds their needs. Our goal is to develop and promote competitively priced financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$34,287,926$35,748,566▲ $1,460,640
Investments in Publicly Traded Securities$8,636,911$12,614,569▲ $3,977,658
Rtn Earn Endowment Incm Other Fnds$8,460,143$8,399,469▼ $60,674
Land, Buildings, and Equipment, Net$4,306,117$4,251,106▼ $55,011
Cash and Non-Interest-Bearing Accounts$4,808,642$3,787,809▼ $1,020,833
Investments Other Securities$3,682,180$2,500,727▼ $1,181,453
Prepaid Expenses and Deferred Charges$109,516$154,120▲ $44,604
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$60,467,647$63,693,938▲ $3,226,291
Other Assets Total$4,636,355$4,637,041▲ $686
Liabilities
Other Liabilities$51,631,577$54,884,313▲ $3,252,736
Accounts Payable and Accrued Expenses$375,927$410,156▲ $34,229
Total Liabilities$52,007,504$55,294,469▲ $3,286,965
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,460,143$8,399,469▼ $60,674
Total Liabilities and Net Assets / Fund Balance$60,467,647$63,693,938▲ $3,226,291

Asset Categories

AssetBook ValueDepreciationBasis
Land$2,070,888-$2,070,888
Buildings$1,798,869$159,877$1,958,746
Equipment$374,379$791,546$1,165,925
Leasehold Improvements$6,970$147,930$154,900
Other Assets Org$88,994--
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ron SmithPresident & CEOFT$127,866$37,194$165,060
Steve FoxVice PresidentFT$88,717$22,454$111,171
Gary MurrayVice Chairman-$1,644-$1,644
Randy GregoryBoard Member-$1,614-$1,614
Kevin WalkerBoard Member-$1,098-$1,098
David MurrayBoard Member-$819-$819
Kent CochranSecretary-$602-$602

Board Members and Trustees

NameTitle
Dickie JohnsonChairman
John BroadwayTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,365,070
Investment Income
$240,581
Other Revenue
$21,485
Change in Net Assets
$-15,675

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,627,136
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-65,634
Total Revenue per Audited Statements
$3,561,502
Total Revenue per Form 990
$3,627,136
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,127,542
Salaries, Compensation, and Employee Benefits$1,515,269
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$915,641
Office Expenses---$817,266
Other Employee Benefits---$242,662
Current Officers, Directors, Trustees, and Key Employees---$237,134
Depreciation Depletion---$210,537
Interest---$205,417
Fees for Services Other---$104,853
Occupancy---$99,561
Payroll Taxes---$85,320
Travel---$57,714
All Other Expenses---$53,381
Fees for Services Accounting---$48,000
Pension Plan Contributions---$34,512
Other Expenses---$25,303
Fees for Services Legal---$7,637
Advertising---$2,518
Fees for Service Investment Mgmnt Fees---$2,121
Total Functional Expenses$0$0$0$3,642,811

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,642,811
Total Expenses per Form 990$3,642,811
Total Expenses per Audited Statements$3,622,176
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$-20,635
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
Member Deposits$54,884,313
Governance and Compliance

Governance Checklist

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

Governance Explanations

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

“Line 7a explanation - EACH MEMBER IS ALLOWED ONE VOTE FOR ANY OPEN SEAT TO THE ESCU BOARD OF DIRECTORS DURING THE ANNUAL ELECTION.”

Form 990, Part VI, Section B, line 11

“Line 11a explanation - A DRAFT OF FORM 990 IS PROVIDED TO THE CONTROLLER. THE CONTROLLER REVIEWS THE RETURN AND FORWARDS THE FORM 990 TO THE PRESIDENT/CEO. THE FORM 990 IS REVIEWED BY THE PRESIDENT/CEO AND FORWARDED TO THE BOARD OF DIRECTORS FOR A FINAL REVIEW VIA E-MAIL. ANY QUESTIONS OR COMMENTS OF THE BOARD MEMBERS ARE SUBMITTED TO THE PRESIDENT. CONFIRMATION OF THE REVIEW BY THE BOARD OF DIRECTORS WILL BE DOCUMENTED IN THE MINUTES OF THE NEXT BOARD OF DIRECTORS MEETING.”

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

“Any conflicts of interest that arise are handled on a case by case basis and are discussed at monthly board meetings.”

Form 990, Part VI, Section B, line 15

“All employees receive at least one annual review. All salary increases are reviewed by the ceo except for the ceo's increase which is reviewed by the board of directors. Electric service credit union bases the salary increases on comparisons provided by comp ease.”

Form 990, Part VI, Section C, line 19

“Documents are provided upon written request.”

Filing and Contact Details

Filer

Filer Name
Electric Service Credit Union
EIN
62-6040513
Phone
6156874801
Address
2340 Jackson Downs Blvd, Nashville, TN 37214-2372

Signing Officer

Name
Ron Smith
Title
President
Phone
6156874801
Signed
2016-06-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ron Smith
Formed
1951
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
26
Volunteers
9

Preparer

Firm
Frasier Dean & Howard Pllc
Address
3310 West End Ave Ste 550, Nashville, TN 37203
Preparer
Sara G Moon
Phone
6153836592
Supplemental Narrative

Financial Statement Notes

Part X, Line 2:

“The Credit Union is exempt by statute from federal and state income taxes. Accordingly, no income tax was paid or recorded in the financial statements for the years ended December 31, 2015 and 2014. The Credit Union follows Financial Accounting Standards Board Accounting Standards Codification (FASB ASC) guidance that clarifies the accounting for uncertainty in income taxes recognized in an entity's financial statements. This guidance prescribes a minimum probability threshold that a tax position must meet before a financial statement benefit is recognized. The minimum threshold is defined as a tax position that is more likely than not to be sustained upon examination by the applicable taxing authority, including resolution of any related appeals or litigation processes, based on the technical merits of the position. The tax benefit to be recognized is measured as the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. The Credit Union has no tax penalties or interest reported in the accompanying financial statements. The Credit Union had no uncertain tax positions at December 31, 2015 or 2014. Tax years prior to December 31, 2012 are considered closed.”

Part XI, Line 2D - Other Adjustments:

“Gain on disposal of Fixed Assets -20,635.”

Part XII, Line 2D - Other Adjustments:

“Gain on Disposal of Fixed Assets -20,635.”

Raw XML AppendixShowing 400 of 431 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/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt099561
IRS990/OfficeExpensesGrp/TotalAmt0817266
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04636355
IRS990/OtherAssetsTotalGrp/EOYAmt04637041
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0242662
IRS990/OtherExpensesGrp/Desc0PROVISION LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICE EXPENSE
IRS990/OtherExpensesGrp/Desc2EDUCATION AND PROMOTION
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt0360609
IRS990/OtherExpensesGrp/TotalAmt170750
IRS990/OtherExpensesGrp/TotalAmt261875
IRS990/OtherExpensesGrp/TotalAmt325303
IRS990/OtherLiabilitiesGrp/BOYAmt051631577
IRS990/OtherLiabilitiesGrp/EOYAmt054884313
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0FEES AND OTHER
IRS990/OtherRevenueMiscGrp/ExclusionAmt021485
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt021485
IRS990/OtherRevenueTotalAmt021485
IRS990/OtherSalariesAndWagesGrp/TotalAmt0915641
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034287926
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt035748566
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt085320
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt034512
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0109516
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0154120
IRS990/PrincipalOfficerNm0RON SMITH
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INC-MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER SERVICES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02549332
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1679198
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2136540
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02549332
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1679198
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2136540
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0225840
IRS990/PYOtherExpensesAmt02013139
IRS990/PYOtherRevenueAmt030220
IRS990/PYProgramServiceRevenueAmt03331453
IRS990/PYRevenuesLessExpensesAmt094350
IRS990/PYSalariesCompEmpBnftPaidAmt01480024
IRS990/PYTotalExpensesAmt03493163
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03587513
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-15675
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt03365070
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08460143
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08399469
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01798869
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0159877
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01958746
IRS990ScheduleD/EquipmentGrp/BookValueAmt0374379
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0791546
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01165925
IRS990ScheduleD/ExpensesNotReportedAmt0-20635
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03642811
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt02070888
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02070888
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt06970
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0147930
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0154900
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-44999
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0250848
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt12297199
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt22000000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt388994
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1CASH SURRENDERVALUE OF INSURANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2OFFICIER LOANS RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3FORCLOSED ASSETS
IRS990ScheduleD/OtherExpensesIncludedAmt0-20635
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt054884313
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherRevenueAmt0-20635
IRS990ScheduleD/RevenueNotReportedAmt0-65634
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03627136
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Credit Union is exempt by statute from federal and state income taxes. Accordingly, no income tax was paid or recorded in the financial statements for the years ended December 31, 2015 and 2014. The Credit Union follows Financial Accounting Standards Board Accounting Standards Codification (FASB ASC) guidance that clarifies the accounting for uncertainty in income taxes recognized in an entity's financial statements. This guidance prescribes a minimum probability threshold that a tax position must meet before a financial statement benefit is recognized. The minimum threshold is defined as a tax position that is more likely than not to be sustained upon examination by the applicable taxing authority, including resolution of any related appeals or litigation processes, based on the technical merits of the position. The tax benefit to be recognized is measured as the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. The Credit Union has no tax penalties or interest reported in the accompanying financial statements. The Credit Union had no uncertain tax positions at December 31, 2015 or 2014. Tax years prior to December 31, 2012 are considered closed.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Gain on disposal of Fixed Assets -20,635.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2Gain on Disposal of Fixed Assets -20,635.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part XI, Line 2d - Other Adjustments:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2Part XII, Line 2d - Other Adjustments:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04251106
IRS990ScheduleD/TotalBookValueOtherAssetsAmt04637041
IRS990ScheduleD/TotalExpensesPerForm990Amt03642811
IRS990ScheduleD/TotalLiabilityAmt054884313
IRS990ScheduleD/TotalRevenuePerForm990Amt03627136
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03561502
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03622176
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0127866
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount04700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt022420
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt010074
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RON SMITH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0165060
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Line 7a explanation - EACH MEMBER IS ALLOWED ONE VOTE FOR ANY OPEN SEAT TO THE ESCU BOARD OF DIRECTORS DURING THE ANNUAL ELECTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Line 11a explanation - A DRAFT OF FORM 990 IS PROVIDED TO THE CONTROLLER. THE CONTROLLER REVIEWS THE RETURN AND FORWARDS THE FORM 990 TO THE PRESIDENT/CEO. THE FORM 990 IS REVIEWED BY THE PRESIDENT/CEO AND FORWARDED TO THE BOARD OF DIRECTORS FOR A FINAL REVIEW VIA E-MAIL. ANY QUESTIONS OR COMMENTS OF THE BOARD MEMBERS ARE SUBMITTED TO THE PRESIDENT. CONFIRMATION OF THE REVIEW BY THE BOARD OF DIRECTORS WILL BE DOCUMENTED IN THE MINUTES OF THE NEXT BOARD OF DIRECTORS MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY CONFLICTS OF INTEREST THAT ARISE ARE HANDLED ON A CASE BY CASE BASIS AND ARE DISCUSSED AT MONTHLY BOARD MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL EMPLOYEES RECEIVE AT LEAST ONE ANNUAL REVIEW. ALL SALARY INCREASES ARE REVIEWED BY THE CEO EXCEPT FOR THE CEO'S INCREASE WHICH IS REVIEWED BY THE BOARD OF DIRECTORS. ELECTRIC SERVICE CREDIT UNION BASES THE SALARY INCREASES ON COMPARISONS PROVIDED BY COMP EASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DOCUMENTS ARE PROVIDED UPON WRITTEN REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt060467647
IRS990/TotalAssetsEOYAmt063693938
IRS990/TotalAssetsGrp/BOYAmt060467647
IRS990/TotalAssetsGrp/EOYAmt063693938
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt026
IRS990/TotalFunctionalExpensesGrp/TotalAmt03642811
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt052007504
IRS990/TotalLiabilitiesEOYAmt055294469
IRS990/TotalLiabilitiesGrp/BOYAmt052007504
IRS990/TotalLiabilitiesGrp/EOYAmt055294469
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08460143
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08399469
IRS990/TotalOtherCompensationAmt044874
IRS990/TotalProgramServiceExpensesAmt03642811
IRS990/TotalProgramServiceRevenueAmt03365070
IRS990/TotalReportableCompFromOrgAmt0237134
IRS990/TotalRevenueGrp/ExclusionAmt0262066
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03365070
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03627136
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt060467647
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt063693938
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt057714
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02340 Jackson Downs Blvd
IRS990/USAddress/CityNm0Nashville
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd0372142372
IRS990/VotingMembersGoverningBodyCnt07

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$63,693,938
Liabilities
$55,294,469
Net assets
$8,399,469
Revenue
$3,627,136
Expenses
$3,642,811
Net income
-$15,675
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$79.3$70.8$8.44$5.82$5.74$0.08
2023Detailed filing. Detailed filing data is available for this year.$80.6$72.2$8.35$5.75$5.34$0.41
2022Detailed filing. Detailed filing data is available for this year.$85.1$76.4$8.68$4.94$4.50$0.44
2021Detailed filing. Detailed filing data is available for this year.$84.4$76.1$8.28$4.59$4.33$0.26
2020Detailed filing. Detailed filing data is available for this year.$76.2$68.2$8.03$4.13$4.08$0.05
2019Detailed filing. Detailed filing data is available for this year.$68.6$60.6$7.99$3.94$3.89$0.04
2018Summary only. Only limited summary data is available for this year.$65.0$57.1$7.92$3.82$3.79$0.03
2017Detailed filing. Detailed filing data is available for this year.$66.0$58.1$7.89$3.72$3.72$0.00
2016Detailed filing. Detailed filing data is available for this year.$64.3$56.4$7.86$3.85$4.45$0.60
2015Detailed filing. Detailed filing data is available for this year.$63.7$55.3$8.40$3.63$3.64$0.02
2014Detailed filing. Detailed filing data is available for this year.$60.5$52.0$8.46$3.59$3.49$0.09
2013Detailed filing. Detailed filing data is available for this year.$59.3$51.0$8.30$3.42$3.39$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.3$49.9$8.37$3.14
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.2$44.9$8.32$2.81
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.3$42.3$8.03$2.82