Civic Intelligence

The Credit Union for Robertson

EIN 62-6118790 • 501(c)14 • Springfield, TN

View Organization Page

Profile

Credit union - to provide services for approximately 9,520 members in the form of loans, savings, and other financial services.

3564 Tom Austin HwySpringfield, TN 37172

www.tcurc.org

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.87x

Higher debt load relative to assets than 43% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

12th percentile

10.78x

Higher debt load relative to revenue than 12% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Net Margin

43rd percentile

9.6%

Higher net margin than 43% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

79th percentile

$212,162

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Asset Growth

35th percentile

-0.4%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

23rd percentile

2.1%

Faster revenue growth than 23% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Down

$83,568,581

Down $324,139 (-0.4%) from 2024

Liabilities

Down

$72,874,852

Down $970,284 (-1.3%) from 2024

Net Assets

Up

$10,693,729

Up $646,145 (+6.4%) from 2024

Operations
Liabilities / Revenue12th percentileNet Margin43rd percentile

Revenue

Up

$6,762,060

Up $136,943 (+2.1%) from 2024

Expenses

Down

$6,115,914

Down $78,512 (-1.3%) from 2024

Net Income

Up

$646,146

Up $215,455 (+50%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$100M$50M$0Assets 2010: $34,851,633Liabilities 2010: $31,155,121Net Assets 2010: $3,696,5122010Assets 2011: $35,424,943Liabilities 2011: $31,471,849Net Assets 2011: $3,953,0942011Assets 2012: $38,022,283Liabilities 2012: $33,583,955Net Assets 2012: $4,438,3282012Assets 2013: $40,029,125Liabilities 2013: $35,177,478Net Assets 2013: $4,851,6472013Assets 2014: $41,887,234Liabilities 2014: $36,768,689Net Assets 2014: $5,118,5452014Assets 2015: $45,955,322Liabilities 2015: $40,466,762Net Assets 2015: $5,488,5602015Assets 2016: $51,028,994Liabilities 2016: $45,145,569Net Assets 2016: $5,883,4252016Assets 2017: $52,261,798Liabilities 2017: $46,002,224Net Assets 2017: $6,259,5742017Assets 2018: $54,409,375Liabilities 2018: $47,742,787Net Assets 2018: $6,666,5882018Assets 2019: $60,869,212Liabilities 2019: $53,896,177Net Assets 2019: $6,973,0352019Assets 2020: $69,404,196Liabilities 2020: $62,049,918Net Assets 2020: $7,354,2782020Assets 2021: $77,865,304Liabilities 2021: $69,741,617Net Assets 2021: $8,123,6872021Assets 2022: $86,365,962Liabilities 2022: $77,187,670Net Assets 2022: $9,178,2922022Assets 2023: $82,577,595Liabilities 2023: $72,960,703Net Assets 2023: $9,616,8922023Assets 2024: $83,892,720Liabilities 2024: $73,845,136Net Assets 2024: $10,047,5842024Assets 2025: $83,568,581Liabilities 2025: $72,874,852Net Assets 2025: $10,693,7292025

Highlighted filing

2025

Assets$83,568,581
Liabilities$72,874,852
Net Assets$10,693,729
Open 2025 Filing

Operations Trend

Revenue Growth23rd percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $2,888,5382010Expenses 2011: $2,859,7722011Expenses 2012: $2,848,3212012Revenue 2013: $3,318,068Expenses 2013: $2,906,745Net Income 2013: $411,3232013Revenue 2014: $3,303,595Expenses 2014: $3,027,730Net Income 2014: $275,8652014Revenue 2015: $3,353,854Expenses 2015: $2,983,449Net Income 2015: $370,4052015Revenue 2016: $3,596,623Expenses 2016: $3,222,476Net Income 2016: $374,1472016Revenue 2017: $3,943,646Expenses 2017: $3,552,251Net Income 2017: $391,3952017Revenue 2018: $4,350,088Expenses 2018: $3,943,133Net Income 2018: $406,9552018Revenue 2019: $4,451,401Expenses 2019: $4,093,678Net Income 2019: $357,7232019Revenue 2020: $4,459,903Expenses 2020: $4,078,659Net Income 2020: $381,2442020Revenue 2021: $4,974,867Expenses 2021: $4,205,458Net Income 2021: $769,4092021Revenue 2022: $5,294,390Expenses 2022: $4,239,785Net Income 2022: $1,054,6052022Revenue 2023: $6,256,723Expenses 2023: $5,280,015Net Income 2023: $976,7082023Revenue 2024: $6,625,117Expenses 2024: $6,194,426Net Income 2024: $430,6912024Revenue 2025: $6,762,060Expenses 2025: $6,115,914Net Income 2025: $646,1462025

Highlighted filing

2025

Revenue$6,762,060
Expenses$6,115,914
Net Income$646,146
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$83,568,581
Liabilities
$72,874,852
Net assets
$10,693,729
Revenue
$6,762,060
Expenses
$6,115,914
Net income
$646,146
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$83.6$72.9$10.7$6.76$6.12$0.65
2024Detailed filing. Detailed filing data is available for this year.$83.9$73.8$10.0$6.63$6.19$0.43
2023Detailed filing. Detailed filing data is available for this year.$82.6$73.0$9.62$6.26$5.28$0.98
2022Detailed filing. Detailed filing data is available for this year.$86.4$77.2$9.18$5.29$4.24$1.05
2021Detailed filing. Detailed filing data is available for this year.$77.9$69.7$8.12$4.97$4.21$0.77
2020Detailed filing. Detailed filing data is available for this year.$69.4$62.0$7.35$4.46$4.08$0.38
2019Detailed filing. Detailed filing data is available for this year.$60.9$53.9$6.97$4.45$4.09$0.36
2018Detailed filing. Detailed filing data is available for this year.$54.4$47.7$6.67$4.35$3.94$0.41
2017Detailed filing. Detailed filing data is available for this year.$52.3$46.0$6.26$3.94$3.55$0.39
2016Detailed filing. Detailed filing data is available for this year.$51.0$45.1$5.88$3.60$3.22$0.37
2015Detailed filing. Detailed filing data is available for this year.$46.0$40.5$5.49$3.35$2.98$0.37
2014Detailed filing. Detailed filing data is available for this year.$41.9$36.8$5.12$3.30$3.03$0.28
2013Detailed filing. Detailed filing data is available for this year.$40.0$35.2$4.85$3.32$2.91$0.41
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.0$33.6$4.44$2.85
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.4$31.5$3.95$2.86
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.9$31.2$3.70$2.89
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 23, 2026
Return Version
2025v4.0
Gross Receipts
$6,762,060
Mission and Program Overview

Mission

Credit union - to provide services for approximately 9,520 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$56,815,516$57,170,603▲ $355,087
Cash and Non-Interest-Bearing Accounts$12,783,657$12,120,279▼ $663,378
Rtn Earn Endowment Incm Other Fnds$10,047,584$10,693,729▲ $646,145
Savings and Temporary Cash Investments$7,465,000$7,469,000▲ $4,000
Land, Buildings, and Equipment, Net$3,417,240$3,287,153▼ $130,087
Investments Other Securities$2,403,944$2,518,490▲ $114,546
Prepaid Expenses and Deferred Charges$95,110$143,313▲ $48,203
Total Assets$83,892,720$83,568,581▼ $324,139
Other Assets Total$912,253$859,743▼ $52,510
Liabilities
Other Liabilities$73,094,402$71,730,928▼ $1,363,474
Accounts Payable and Accrued Expenses$750,734$1,143,924▲ $393,190
Total Liabilities$73,845,136$72,874,852▼ $970,284
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,047,584$10,693,729▲ $646,145
Total Liabilities and Net Assets / Fund Balance$83,892,720$83,568,581▼ $324,139

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,166,573$1,586,714$3,753,287
Equipment$417,417$1,816,935$2,234,352
Land$611,274-$611,274
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Peggy MorelandLoan OfficerFT$108,019$104,143$212,162
Peggy MorelandLoan Officer Iii-$94,688$117,474$212,162
Brenda BellarPres/CEO/treFT$138,216$26,057$164,273
Brenda BellarPres/CEO/tres of Bod-$127,555$36,718$164,273
Shannon PlunkettVP It and MaFT$101,607$6,431$108,038
Samantha WhitbyControllerFT$98,447$7,011$105,458

Board Members and Trustees

NameTitle
Teresa LaborgBod Chair/sc
Marilyn WorshamVice Chair/p
Rhea Ann PendleyBoard Mem/sc
Bayard SheltonBoard Member
Mark ReidBoard Member
Wanda MasonBoard Secret
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,244,220
Investment Income
$751,880
Other Revenue
$765,960
Change in Net Assets
$646,146
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,227,299
Salaries, Compensation, and Employee Benefits$2,888,615
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$2,424,485-$2,424,485
Occupancy-$986,856-$986,856
Interest-$728,294-$728,294
Office Expenses-$344,899-$344,899
Other Employee Benefits-$197,550-$197,550
Payroll Taxes-$185,758-$185,758
Pension Plan Contributions-$80,822-$80,822
Other Expenses-$78,613-$78,613
All Other Expenses-$69,289-$69,289
Conferences and Meetings-$36,891-$36,891
Total Functional Expenses$0$6,115,914$0$6,115,914
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
Regular Shares$38,474,275
All Other Shares$22,035,988
Share Drafts$11,220,665
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
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest polcy.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors use a comparison of credit union data for compensation for the ceo/president.”

Form 990, Page 6, Part VI, Line 15B

“The board of directors use a comparison of credit union data for compensation.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
The Credit Union for Robertson
EIN
62-6118790
Phone
6153828255
Address
3564 TOM AUSTIN HWY, SPRINGFIELD, TN 37172

Signing Officer

Name
Brenda Bellar
Title
Pres/CEO/tres of Bod
Phone
6153828255
Signed
2026-03-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brenda Bellar
Formed
1991
Legal Domicile
Tn
Voting Board Members
6
Independent Board Members
6
Employees
59
Volunteers
6

Preparer

Firm
Credit Union Audit Group
Address
1709 HERMITAGE BLVD SUITE 200, TALLAHASSEE, FL 32308
Preparer
Marcus King
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors and supervisory committee without compensation.”

Form 990, Page 5, Part V, Line 3B

“No unrelated business income”

Form 990, Part XI, Line 9

“Due to rounding 0 other adjustments 0 due to rounding -1 acct adj - cecl 0 total -1”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML AppendixShowing 400 of 404 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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IRS990ScheduleD/EquipmentGrp/DepreciationAmt01816935
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt211220665
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
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IRS990ScheduleD/TotalLiabilityAmt071730928
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount113331
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt026057
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt1104143
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BRENDA BELLAR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1PEGGY MORELAND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRES/CEO/TRES OF BOD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1LOAN OFFICER III
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1212162
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IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0BRENDA BELLAR 0 2,073,141 0
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO UNRELATED BUSINESS INCOME
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLCY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION DATA FOR COMPENSATION FOR THE CEO/PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION DATA FOR COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10DUE TO ROUNDING 0 OTHER ADJUSTMENTS 0 DUE TO ROUNDING -1 ACCT ADJ - CECL 0 TOTAL -1
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11FORM 990, PART XII
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt06762060
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IRS990/USAddress/AddressLine1Txt03564 TOM AUSTIN HWY
IRS990/USAddress/CityNm0SPRINGFIELD
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037172
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.TCURC.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BRENDA BELLAR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES/CEO/TRES OF BOD
ReturnHeader/BusinessOfficerGrp/PhoneNum06153828255
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0THE CREDIT UNION FOR ROBERTSON
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0COUNTY
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0626118790
ReturnHeader/Filer/PhoneNum06153828255
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CREDIT UNION AUDIT GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01709 HERMITAGE BLVD SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032308
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARCUS KING
ReturnHeader/ReturnTs02026-03-23T10:09:41-04:00

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