Nonprofit · EIN 23-7152587
BCBST EMPLOYEES CREDIT UNION
Tax-exempt · CHATTANOOGA, TN 37402
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $526,010 | $443,147 | $82,863 | $10,302,219 | $8,168,268 | $2,133,951 |
| December 31, 2024 | 990 | $520,394 | $418,351 | $102,043 | $10,506,754 | $8,455,666 | $2,051,088 |
| December 31, 2023 | 990 | $487,087 | $479,087 | $8,000 | $11,431,067 | $9,482,023 | $1,949,044 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $270,989
- Investment income
- $228,994
- Other revenue
- $26,027
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $181,734
- Salaries, compensation and benefits (total)
- $181,734
- Professional fundraising fees
- $0
- Management and general (functional)
- $443,147
Balance sheet and other
- Total assets, start of year
- $10,506,754
- Total assets, end of year
- $10,302,219
- Total liabilities, end of year
- $8,168,268
- Net assets, end of year
- $2,133,951
- Gross receipts
- $526,010
- Employees
- 3
- Volunteers
- 11
- Year formed
- 1991
- State of legal domicile
- TN
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CHANNON HAMILTON | MANAGER, CRE Officer | 40 | $0 |
| STEPHEN BORDERS | BOARD TREASU Trustee or director | 1 | $0 |
| MARVIN FABRY | BOARD VICE P Trustee or director | 1 | $0 |
| SCOTT GAY | BOARD SECRET Trustee or director | 1 | $0 |
| SHARON WOODARD | BOARD MEMBER Trustee or director | 1 | $0 |
| DANIEL LAU | BOARD MEMBER Trustee or director | 1 | $0 |
| PATRICK SULLIVAN | BOARD PRESID Trustee or director | 1 | $0 |
| EDIE JOHNSON | BOARD MEMBER Trustee or director | 1 | $0 |
| RANDY MITCHELL | CREDIT COM C Officer | 1 | $0 |
| AMANDA CLINTON | SUPERVISORY Officer | 1 | $0 |
| KIM BLEVINS | SUPERVISORY Officer | 1 | $0 |
| KEVIN DEW | SUPERVISORY Officer | 1 | $0 |
990 for the year ended December 31, 2024: 12 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CHANNON HAMILTON | MANAGER, CRE Officer | 40 | $0 |
| TAMMY STONE | BOARD MEMBER Trustee or director | 1 | $0 |
| MARVIN FABRY | BOARD VICE P Trustee or director | 1 | $0 |
| SCOTT GAY | BOARD SECRET Trustee or director | 1 | $0 |
| JANICE TOTH | BOARD TREASU Trustee or director | 1 | $0 |
| DANIEL LAU | BOARD MEMBER Trustee or director | 1 | $0 |
| PATRICK SULLIVAN | BOARD PRESID Trustee or director | 1 | $0 |
| EDIE JOHNSON | BOARD MEMBER Trustee or director | 1 | $0 |
| RANDY MITCHELL | CREDIT COM C Officer | 1 | $0 |
| AMANDA CLINTON | SUPERVISORY Officer | 1 | $0 |
| KIM BLEVINS | SUPERVISORY Officer | 1 | $0 |
| KEVIN DEW | SUPERVISORY Officer | 1 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CHANNON HAMILTON | MANAGER Officer | 40 | $87,806 |
| TAMMY STONE | BOARD MEMBER Trustee or director | 1 | $0 |
| MARVIN FABRY | BOARD VICE P Trustee or director | 1 | $0 |
| SCOTT GAY | BOARD SECRET Trustee or director | 1 | $0 |
| JANICE TOTH | BOARD TREASU Trustee or director | 1 | $0 |
| DANIEL LAU | BOARD MEMBER Trustee or director | 1 | $0 |
| PATRICK SULLIVAN | BOARD PRESID Trustee or director | 1 | $0 |
| EDIE JOHNSON | BOARD MEMBER Trustee or director | 1 | $0 |
| RANDY MITCHELL | CREDIT COM C Officer | 1 | $0 |
| AMANDA CLINTON | SUPERVISORY Officer | 1 | $0 |
| KIM BLEVINS | SUPERVISORY Officer | 1 | $0 |
| KEVIN DEW | SUPERVISORY Officer | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 1 CAMERON HILL CIR, CHATTANOOGA, TN 37402-0001
- In care of
- % CHANNON HAMILTON
- Principal officer (990 for 2025)
- CHANNON HAMILTON, 1 CAMERON HILL CIRCLE, CHATTANOOGA, TN 37402
- Signed the 990
- CHANNON HAMILTON, MANAGER, CREDIT COM
- Phone
- (423) 535-5736
- Website
- WWW.BCBSTECU.COM
- Return prepared by
- CREDIT UNION AUDIT GROUP
Mission
CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 1,736 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
Program accomplishments
- THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.Expenses $405,433
- THE CREDIT UNION PORVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.Expenses $37,714
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 23-7152587
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1952
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1182: CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE
- Assets (IRS master file)
- $10,302,219
- Income (IRS master file)
- $526,010
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $526,010 | $443,147 | $10,302,219 | XML |
| 990 | December 2024 | $520,394 | $418,351 | $10,506,754 | XML |
| 990 | December 2023 | $487,087 | $479,087 | $11,431,067 | XML |
| 990 | December 2022 | $370,818 | $412,120 | $13,091,639 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 23-7152587).
Questions about BCBST EMPLOYEES CREDIT UNION
- What is the EIN of BCBST EMPLOYEES CREDIT UNION?
- The employer identification number (EIN) of BCBST EMPLOYEES CREDIT UNION is 23-7152587.
- Is BCBST EMPLOYEES CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1952.
- Are donations to BCBST EMPLOYEES CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does BCBST EMPLOYEES CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of BCBST EMPLOYEES CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did BCBST EMPLOYEES CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of BCBST EMPLOYEES CREDIT UNION?
- The 990 for the year ended December 31, 2025 names CHANNON HAMILTON.
- Who are the officers and directors of BCBST EMPLOYEES CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 12 people; 0 received compensation from the organization.
- How much revenue does BCBST EMPLOYEES CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $526,010, expenses of $443,147 and total assets of $10,302,219 at year end.
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