Civic Intelligence

Koin Credit Union

EIN 62-6041064 • 501(c)14 • Brentwood, TN

Profile

The purposes of this credit union shall be to promote good economic management, to issue shares and maintain accounts, to make loans to its memebers at resonable rates of interest for prudent purposes, to invest any surplus not required for lans to memebers in the way and manner provided by law, and to exercise those functions described in the laws of the state of tennessee authorizing the organziation of credit unions.

215 Centerview Dr Suite 3-111Brentwood, TN 37027

koincu.org

Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

63rd percentile

19.49x

Higher debt load relative to revenue than 63% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

9th percentile

-13%

Higher net margin than 9% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

48th percentile

$147,477

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

$25M-$50M nonprofits • Source year 2024

Asset Growth

40th percentile

-1.5%

Faster asset growth than 40% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

79th percentile

23%

Faster revenue growth than 79% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets81st percentile

Assets

Down

$37,971,210

Down $561,787 (-1.5%) from 2023

Liabilities

Down

$34,669,660

Down $336,468 (-1.0%) from 2023

Net Assets

Down

$3,301,550

Down $225,319 (-6.4%) from 2023

Operations
Liabilities / Revenue63rd percentileNet Margin9th percentile

Revenue

Up

$1,778,489

Up $333,271 (+23%) from 2023

Expenses

Up

$2,003,808

Up $191,068 (+11%) from 2023

Net Income

Up

-$225,319

Up $142,203 (+39%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth40th percentile

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

$60M$40M$20M$0Assets 2010: $42,690,153Liabilities 2010: $37,353,546Net Assets 2010: $5,336,6072010Assets 2011: $45,217,033Liabilities 2011: $39,666,668Net Assets 2011: $5,550,3652011Assets 2012: $48,578,019Liabilities 2012: $42,785,359Net Assets 2012: $5,792,6602012Assets 2013: $47,944,923Liabilities 2013: $42,084,590Net Assets 2013: $5,860,3332013Assets 2014: $48,861,644Liabilities 2014: $42,703,728Net Assets 2014: $6,157,9162014Assets 2015: $48,054,345Liabilities 2015: $42,593,692Net Assets 2015: $5,460,6532015Assets 2016: $46,107,685Liabilities 2016: $41,730,771Net Assets 2016: $4,376,9142016Assets 2017: $43,817,851Liabilities 2017: $39,311,418Net Assets 2017: $4,506,4332017Assets 2018: $43,679,291Liabilities 2018: $39,027,173Net Assets 2018: $4,652,1182018Assets 2019: $43,521,400Liabilities 2019: $38,810,706Net Assets 2019: $4,710,6942019Assets 2020: $47,267,745Liabilities 2020: $42,560,602Net Assets 2020: $4,707,1432020Assets 2021: $47,682,396Liabilities 2021: $43,217,094Net Assets 2021: $4,465,3022021Assets 2022: $42,251,248Liabilities 2022: $38,237,112Net Assets 2022: $4,014,1362022Assets 2023: $38,532,997Liabilities 2023: $35,006,128Net Assets 2023: $3,526,8692023Assets 2024: $37,971,210Liabilities 2024: $34,669,660Net Assets 2024: $3,301,5502024

Highlighted filing

2024

Assets$37,971,210
Liabilities$34,669,660
Net Assets$3,301,550
Open 2024 Filing

Operations Trend

Revenue Growth79th percentile

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

$3.0M$2.0M$1.0M$0-$1.0M-$2.0MExpenses 2010: $1,548,5722010Expenses 2011: $1,510,5472011Expenses 2012: $1,443,7402012Revenue 2013: $1,546,231Expenses 2013: $1,439,088Net Income 2013: $107,1432013Revenue 2014: $1,608,927Expenses 2014: $1,320,512Net Income 2014: $288,4152014Revenue 2015: $1,837,080Expenses 2015: $2,531,448Net Income 2015: -$694,3682015Revenue 2016: $1,525,079Expenses 2016: $2,611,804Net Income 2016: -$1,086,7252016Revenue 2017: $1,425,190Expenses 2017: $1,345,019Net Income 2017: $80,1712017Revenue 2018: $1,605,788Expenses 2018: $1,479,776Net Income 2018: $126,0122018Revenue 2019: $1,711,632Expenses 2019: $1,653,056Net Income 2019: $58,5762019Revenue 2020: $1,626,571Expenses 2020: $1,607,561Net Income 2020: $19,0102020Revenue 2021: $1,242,004Expenses 2021: $1,483,845Net Income 2021: -$241,8412021Revenue 2022: $1,203,640Expenses 2022: $1,654,806Net Income 2022: -$451,1662022Revenue 2023: $1,445,218Expenses 2023: $1,812,740Net Income 2023: -$367,5222023Revenue 2024: $1,778,489Expenses 2024: $2,003,808Net Income 2024: -$225,3192024

Highlighted filing

2024

Revenue$1,778,489
Expenses$2,003,808
Net Income-$225,319
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$37,971,210
Liabilities
$34,669,660
Net assets
$3,301,550
Revenue
$1,778,489
Expenses
$2,003,808
Net income
-$225,319
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$38.0$34.7$3.30$1.78$2.00$0.23
2023Detailed filing. Detailed filing data is available for this year.$38.5$35.0$3.53$1.45$1.81$0.37
2022Detailed filing. Detailed filing data is available for this year.$42.3$38.2$4.01$1.20$1.65$0.45
2021Detailed filing. Detailed filing data is available for this year.$47.7$43.2$4.47$1.24$1.48$0.24
2020Detailed filing. Detailed filing data is available for this year.$47.3$42.6$4.71$1.63$1.61$0.02
2019Detailed filing. Detailed filing data is available for this year.$43.5$38.8$4.71$1.71$1.65$0.06
2018Detailed filing. Detailed filing data is available for this year.$43.7$39.0$4.65$1.61$1.48$0.13
2017Detailed filing. Detailed filing data is available for this year.$43.8$39.3$4.51$1.43$1.35$0.08
2016Detailed filing. Detailed filing data is available for this year.$46.1$41.7$4.38$1.53$2.61$1.09
2015Detailed filing. Detailed filing data is available for this year.$48.1$42.6$5.46$1.84$2.53$0.69
2014Detailed filing. Detailed filing data is available for this year.$48.9$42.7$6.16$1.61$1.32$0.29
2013Detailed filing. Detailed filing data is available for this year.$47.9$42.1$5.86$1.55$1.44$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.6$42.8$5.79$1.44
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.2$39.7$5.55$1.51
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.7$37.4$5.34$1.55
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 5, 2025
Return Version
2024v5.1
Gross Receipts
$1,778,489
Mission and Program Overview

Mission

Providing credit union services

The purposes of this credit union shall be to promote good economic management, to issue shares and maintain accounts, to make loans to its memebers at resonable rates of interest for prudent purposes, to invest any surplus not required for lans to memebers in the way and manner provided by law, and to exercise those functions described in the laws of the state of tennessee authorizing the organziation of credit unions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$23,985,490$23,812,090▼ $173,400
Investments Program Related$13,688,921$13,307,716▼ $381,205
Rtn Earn Endowment Incm Other Fnds$2,220,205$1,994,886▼ $225,319
Cap Stk Tr Prin Current Funds$1,306,664$1,306,664→ $0
Cash and Non-Interest-Bearing Accounts$138,006$158,463▲ $20,457
Land, Buildings, and Equipment, Net$218,456$153,943▼ $64,513
Prepaid Expenses and Deferred Charges$154,612$122,351▼ $32,261
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$38,532,997$37,971,210▼ $561,787
Other Assets Total$347,512$416,647▲ $69,135
Liabilities
Other Liabilities$34,952,312$34,631,743▼ $320,569
Accounts Payable and Accrued Expenses$53,816$37,917▼ $15,899
Total Liabilities$35,006,128$34,669,660▼ $336,468
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,526,869$3,301,550▼ $225,319
Total Liabilities and Net Assets / Fund Balance$38,532,997$37,971,210▼ $561,787

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$150,200$240,258$390,458
Leasehold Improvements$3,743$3,505$7,248
Investment Program Related Org$1,548,819--
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Doug ClintonCEOFT$147,477$147,477

Board Members and Trustees

NameTitle
Mike NeillChairman
Steve AcklinVice Chairman
Janice BellBoard Member
Jason HendersonBoard Member
Shelby SawyerBoard Member
Sara MofieldSecretary
Jayson ByrdSupervisory Committee
Shawn TobeSupervisory Committee
Shayne GilpinSupervisory Committee
Kristen LandersTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,251,471
Investment Income
$394,887
Other Revenue
$132,131
Change in Net Assets
$-225,319

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,778,488
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,778,488
Total Revenue per Form 990
$1,778,488
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,320,509
Salaries, Compensation, and Employee Benefits$683,299
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$533,798
Interest---$483,214
Other Employee Benefits---$149,501
All Other Expenses---$130,544
Other Expenses---$62,100
Total Functional Expenses$0$0$0$2,003,808

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,003,807
Total Expenses per Audited Statements$2,003,807
Total Expenses per Form 990$2,003,807
Expenses Not Reported on Financial Statements$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$34,631,743
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
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 6

“Each individual who opens a share/savings account becomes a member of the credit union”

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

“The accounting manager and ceo review form 990 for accuracy prior to filing”

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

“Annual certification is obtained”

Form 990, Part VI, Section B, Line 15

“Ceo compensation is determined by the board of directors who are independent”

Form 990, Part VI, Section C, Line 19

“Governing documents are available at annual shareholder meeting and are available upon request. Regulatory filings of financial and operational data are available to the public via the internet.”

Filing and Contact Details

Filer

Filer Name
Koin Credit Union
EIN
62-6041064
Phone
6152512089
Address
215 CENTERVIEW DR SUITE 3-111, BRENTWOOD, TN 37027

Signing Officer

Name
Erik Hearn
Title
CFO
Phone
6152512089
Signed
2025-05-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Erik Hearn
Formed
1954
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
9
Volunteers
10

Preparer

Firm
Cri Advisors LLC
Address
3011 ARMORY DRIVE SUITE 300, NASHVILLE, TN 37204
Preparer
Phillip Stein
Phone
6156651811
Supplemental Narrative

Additional Explanations

Form 990 Part XII, Page 12, Line 2C

“The committee that assumes responsibility for oversight of the audit and selection of of an independent accountant has not changed its process.”

Raw XML Appendix396 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/ActivityOrMissionDesc0THE PURPOSES OF THIS CREDIT UNION SHALL BE TO PROMOTE GOOD ECONOMIC MANAGEMENT, TO ISSUE SHARES AND MAINTAIN ACCOUNTS, TO MAKE LOANS TO ITS MEMEBERS AT RESONABLE RATES OF INTEREST FOR PRUDENT PURPOSES, TO INVEST ANY SURPLUS NOT REQUIRED FOR LANS TO MEMEBERS IN THE WAY AND MANNER PROVIDED BY LAW, AND TO EXERCISE THOSE FUNCTIONS DESCRIBED IN THE LAWS OF THE STATE OF TENNESSEE AUTHORIZING THE ORGANZIATION OF CREDIT UNIONS.
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IRS990/Desc0AT 12/31/24, KOIN CREDIT UNION (KCU) HAS 1 LOCATION IN BRENTWOOD, TN. KCU OFFERS A WIDE RANGE OF CONSUMER CREDIT AND DEPOSIT PRODUCTS & SERVICES. THESE INCLUDE CREDIT CARDS, SECURED AND UNSECURED TERM AND REVOLVING LOANS, RESIDENTIAL CONSTRUCTION AND PERMANENT MORTGAGE LENDING. KEY DATA AS OF DECEMBER 31, 2024 INCLUDE 1 LOCATION, 9 EMPLOYEES, 1,959 MEMBERS, 1,711 LOAN ACCOUNTS, 323 PARTICIPATION LOANS AND 3,916 DEPOSIT ACCOUNTS.
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IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
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IRS990/MinutesOfGoverningBodyInd01
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IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt015670
IRS990/MissionDesc0THE PURPOSES OF THIS CREDIT UNION SHALL BE TO PROMOTE GOOD ECONOMIC MANAGEMENT, TO ISSUE SHARES AND MAINTAIN ACCOUNTS, TO MAKE LOANS TO ITS MEMEBERS AT RESONABLE RATES OF INTEREST FOR PRUDENT PURPOSES, TO INVEST ANY SURPLUS NOT REQUIRED FOR LANS TO MEMEBERS IN THE WAY AND MANNER PROVIDED BY LAW, AND TO EXERCISE THOSE FUNCTIONS DESCRIBED IN THE LAWS OF THE STATE OF TENNESSEE AUTHORIZING THE ORGANZIATION OF CREDIT UNIONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt03301550
IRS990/NetUnrelatedBusTxblIncmAmt024
IRS990/NondeductibleContributionsInd00
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0347512
IRS990/OtherAssetsTotalGrp/EOYAmt0416647
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0149501
IRS990/OtherExpensesGrp/Desc0PROFESSIONAL & OUTSIDE
IRS990/OtherExpensesGrp/Desc1OFFICE OPERATIONS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICE EXPENSE
IRS990/OtherExpensesGrp/Desc3OFFICE OCCUPANCY
IRS990/OtherExpensesGrp/TotalAmt0371207
IRS990/OtherExpensesGrp/TotalAmt1174253
IRS990/OtherExpensesGrp/TotalAmt299191
IRS990/OtherExpensesGrp/TotalAmt362100
IRS990/OtherLiabilitiesGrp/BOYAmt034952312
IRS990/OtherLiabilitiesGrp/EOYAmt034631743
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
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IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0DEBITCRD NET I/CCR
IRS990/OtherRevenueMiscGrp/Desc1FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc2CR CARD NET I/C
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt072550
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt124834
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt219077
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt072550
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt124834
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt219077
IRS990/OtherRevenueTotalAmt0132131
IRS990/OtherSalariesAndWagesGrp/TotalAmt0533798
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt023985490
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt023812090
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0154612
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0122351
IRS990/PrincipalOfficerNm0ERIK HEARN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST MEMBER LOAN
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST CREDIT CARD
IRS990/ProgramServiceRevenueGrp/Desc2INTEREST PARTICIPATION
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01192049
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt146905
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt212517
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01192049
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt146905
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt212517
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0280083
IRS990/PYOtherExpensesAmt01159475
IRS990/PYOtherRevenueAmt0134291
IRS990/PYProgramServiceRevenueAmt01030844
IRS990/PYRevenuesLessExpensesAmt0-367522
IRS990/PYSalariesCompEmpBnftPaidAmt0653265
IRS990/PYTotalExpensesAmt01812740
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01445218
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-225319
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02220205
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01994886
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0150200
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0240258
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0390458
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02003807
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt05115000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt14798000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt21548000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3297897
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt41548819
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0HTM DEBT SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NATURAL PERSON CREDIT UNIOINS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4VOLCOR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03743
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt03505
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt07248
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt034631743
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01778488
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0153943
IRS990ScheduleD/TotalBookValueProgramRltdAmt013307716
IRS990ScheduleD/TotalExpensesPerForm990Amt02003807
IRS990ScheduleD/TotalLiabilityAmt034631743
IRS990ScheduleD/TotalRevenuePerForm990Amt01778488
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01778488
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02003807
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EACH INDIVIDUAL WHO OPENS A SHARE/SAVINGS ACCOUNT BECOMES A MEMBER OF THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ACCOUNTING MANAGER AND CEO REVIEW FORM 990 FOR ACCURACY PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUAL CERTIFICATION IS OBTAINED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS WHO ARE INDEPENDENT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS ARE AVAILABLE AT ANNUAL SHAREHOLDER MEETING AND ARE AVAILABLE UPON REQUEST. REGULATORY FILINGS OF FINANCIAL AND OPERATIONAL DATA ARE AVAILABLE TO THE PUBLIC VIA THE INTERNET.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT AND SELECTION OF OF AN INDEPENDENT ACCOUNTANT HAS NOT CHANGED ITS PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990 PART XII, PAGE 12, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt038532997
IRS990/TotalAssetsEOYAmt037971210
IRS990/TotalAssetsGrp/BOYAmt038532997
IRS990/TotalAssetsGrp/EOYAmt037971210
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/TotalAmt02003808
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt035006128
IRS990/TotalLiabilitiesEOYAmt034669660
IRS990/TotalLiabilitiesGrp/BOYAmt035006128
IRS990/TotalLiabilitiesGrp/EOYAmt034669660
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03526869
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03301550
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt01251471
IRS990/TotalReportableCompFromOrgAmt0147477
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01778489
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01778489
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt038532997
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037971210
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0215 CENTERVIEW DR SUITE 3-111
IRS990/USAddress/CityNm0BRENTWOOD
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037027
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0HTTPS://KOINCU.ORG/
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ERIK HEARN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum06152512089
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KOIN CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KOIN
ReturnHeader/Filer/EIN0626041064
ReturnHeader/Filer/PhoneNum06152512089
ReturnHeader/Filer/USAddress/AddressLine1Txt0215 CENTERVIEW DR SUITE 3-111
ReturnHeader/Filer/USAddress/CityNm0BRENTWOOD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037027
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0994625061
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CRI ADVISORS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03011 ARMORY DRIVE SUITE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NASHVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd037204
ReturnHeader/PreparerPersonGrp/PhoneNum06156651811
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PHILLIP STEIN
ReturnHeader/ReturnTs02025-05-13T08:17:58-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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