Nonprofit · EIN 62-0517615
U S COMMUNITY CREDIT UNION
Tax-exempt · NASHVILLE, TN 37214
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $22,908,081 | $20,171,505 | $2,736,576 | $335,363,445 | $299,431,855 | $35,931,590 |
| December 31, 2024 | 990 | $21,415,746 | $19,652,122 | $1,763,624 | $318,990,368 | $286,878,276 | $32,112,092 |
| December 31, 2023 | 990 | $19,517,866 | $17,344,912 | $2,172,954 | $294,732,281 | $264,725,293 | $30,006,988 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $17,370,064
- Investment income
- $1,954,469
- Net gain from sales of assets
- $100,321
- Other revenue
- $3,583,548
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,504,432
- Other salaries and wages
- $4,452,210
- Salaries, compensation and benefits (total)
- $7,400,534
- Professional fundraising fees
- $0
- Legal fees
- $184,415
- Accounting fees
- $193,190
- Occupancy
- $359,357
- Depreciation
- $326,393
Balance sheet and other
- Total assets, start of year
- $318,990,368
- Total assets, end of year
- $335,363,445
- Total liabilities, end of year
- $299,431,855
- Net assets, end of year
- $35,931,590
- Land, buildings and equipment
- $10,327,847
- Publicly traded securities
- $27,586,435
- Gross unrelated business income
- $56,600
- Gross receipts
- $22,979,260
- Employees
- 108
- Volunteers
- 7
- Year formed
- 1949
- 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 | Other / benefits |
|---|---|---|---|---|
| BEN JOHNSON | CEO Officer | 40 | $409,914 | $25,865 |
| KAMERAN LAUX | CFO Officer | 40 | $273,501 | $102,040 |
| GREGORY BRENT | CRO Officer | 40 | $250,185 | $21,358 |
| JON RYAN JERNIGAN | COO Officer | 40 | $186,969 | $43,781 |
| KIMBERLY LAMONT | SVP OF LENDING Key employee | 40 | $164,670 | $16,750 |
| BRIANNA BURDEN | VP OF MEMBER EXPERIENCE Highest-paid employee | 40 | $125,356 | $15,466 |
| SHARON RENFRO | AVP ADMINISTRATION Highest-paid employee | 40 | $119,313 | $13,950 |
| AUBRIE JOHNSTON | VP OF HUMAN RESOURCES Highest-paid employee | 40 | $113,140 | $12,125 |
| STEVEN J KIBBEL | FORMER, WEALTH ADVISOR Highest-paid employee | 40 | $114,853 | $8,941 |
| TRISHA KING | AVP RISK & COMPLIANCE, BSA OFFICER Highest-paid employee | 40 | $106,590 | $11,985 |
| NORMAN LOVE | DIRECTOR Trustee or director | 2 | $3,058 | $0 |
| CINDY BABIN | TREASURER Trustee or director | 2 | $2,208 | $0 |
| CHARLES BODDIE | DIRECTOR Trustee or director | 2 | $1,810 | $0 |
| ROY JONES | CHAIRMAN Trustee or director | 2 | $1,501 | $0 |
| HEWITT SAWYERS | VICE CHAIRMAN Trustee or director | 2 | $822 | $0 |
2 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CHRISTOPHER WESTBROOK | SECRETARY Trustee or director | 2 | $0 |
| JASON BROCKMAN | DIRECTOR Trustee or director | 2 | $0 |
990 for the year ended December 31, 2024: 17 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BEN JOHNSON | CEO Officer | 40 | $361,816 | $25,526 |
| KAMERAN LAUX | CFO (EFFECTIVE 4/1/24) Officer | 40 | $191,514 | $47,563 |
| GREGORY BRENT | CRO Officer | 40 | $193,011 | $32,841 |
| JON RYAN JERNIGAN | COO Officer | 40 | $161,051 | $22,825 |
| KIMBERLY LAMONT | SVP OF LENDING Highest-paid employee | 40 | $146,794 | $14,476 |
| NATHAN BROWN | CFO (1/1/24 - 3/31/24) Officer | 40 | $147,953 | $7,766 |
| STEVEN J KIBBEL | WEALTH MANAGEMENT ADVISOR Highest-paid employee | 40 | $117,513 | $9,490 |
| SHARON RENFRO | SENIOR AVP OF ADMINISTRATION Highest-paid employee | 40 | $109,002 | $11,916 |
| BRIANNA BURDEN | VP OF MEMBER EXPERIENCE Highest-paid employee | 40 | $107,763 | $12,709 |
| LAUREN BOLUS | VP OF MORTGAGE LENDING & BUSINESS SERVICES Highest-paid employee | 40 | $115,679 | $3,538 |
| JASON BROCKMAN | DIRECTOR Trustee or director | 2 | $2,286 | $0 |
| NORMAN LOVE | DIRECTOR Trustee or director | 2 | $1,638 | $0 |
| ROY JONES | CHAIRPERSON Trustee or director | 2 | $1,542 | $0 |
| HEWITT SAWYERS | VICE CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| CINDY BABIN | TREASURER Trustee or director | 2 | $0 | $0 |
| CHRISTOPHER WESTBROOK | SECRETARY Trustee or director | 2 | $0 | $0 |
| CHARLES BODDIE | DIRECTOR Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BEN JOHNSON | PRESIDENTCEO Officer | 40 | $750,309 | $0 |
| GREGORY BRENT | CRO Officer | 40 | $194,598 | $50,000 |
| KAMERAN LAUX | CFO Officer | 40 | $188,803 | $0 |
| JR JERNIGAN | COO Officer | 40 | $159,880 | $0 |
| KIM LAMONT | SR VP LENDING Highest-paid employee | 40 | $147,471 | $0 |
| LAUREN BOLUS | VP MTG LENDING & BUSINESS SER Highest-paid employee | 40 | $134,790 | $0 |
| AUBRIE JOHNSTON | SR AVP OF HR & EDUCATION Highest-paid employee | 40 | $107,826 | $0 |
| JASON BROCKMAN | DIRECTOR Trustee or director | 2 | $0 | $0 |
| CHARLES BODDIE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| HEWITT SAWYERS | VICE CHAIRMAN Trustee or director | 2 | $0 | $0 |
| GARY STINSON | TREASURER Trustee or director | 2 | $0 | $0 |
| CHRIS WESTBROOK | SECRETARY Trustee or director | 2 | $0 | $0 |
| NORMAN LOVE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ROY JONES | CHAIRMAN Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 140570, NASHVILLE, TN 37214-0570
- In care of
- % PAUL JOHNSON
- Principal officer (990 for 2025)
- BEN JOHNSON, PO BOX 140570, NASHVILLE, TN 37214
- Signed the 990
- BEN JOHNSON, PRESIDENT
- Phone
- (615) 256-8712
- Website
- WWW.USCCU.ORG
- Return prepared by
- DOEREN MAYHEW
Mission
WE'LL ALWAYS BE THERE WITH EXCELLENT KNOWLEDGE AND OUTSTANDING SERVICE. WHENEVER YOU NEED US, WE'LL BE HERE. US COMMUNITY CREDIT UNION, "VALUES YOU CAN TRUST."
Program accomplishments
- THE ORGANIZATION EMPLOYED A DEDICATED TEAM OF FINANCIAL PROFESSIONALS TO DELIVER HIGH-QUALITY MEMBER SERVICES AND MAINTAIN OPERATIONAL INTEGRITY. SALARIES SUPPORTED A WIDE RANGE OF ACTIVITIES ESSENTIAL TO THE CREDIT UNION'S EXEMPT PURPOSE, INCLUDING ACCOUNT MANAGEMENT, LENDING SERVICES, FINANCIAL EDUCATION, MEMBER SUPPORT, REGULATORY COMPLIANCE, AND COMMUNITY OUTREACH. COMPENSATION ALSO COVERED STAFF INVOLVED IN DIGITAL BANKING, LOAN PROCESSING, AND BRANCH OPERATIONS, ENSURING MEMBERS HAD ACCESS TO CONVENIENT, SECURE, AND PERSONALIZED FINANCIAL SERVICES.
- INTEREST EXPENSES WERE INCURRED IN THE ORDINARY COURSE OF BUSINESS TO SUPPORT DEPOSIT ACCOUNTS HELD BY MEMBERS. THESE PAYMENTS REPRESENT THE CREDIT UNION'S COMMITMENT TO PROVIDING MEMBERS WITH COMPETITIVE RETURNS ON SAVINGS AND OTHER DEPOSIT INSTRUMENTS. BY OFFERING INTEREST-BEARING PRODUCTS, THE CREDIT UNION FOSTERS FINANCIAL STABILITY AND ENCOURAGES PERSONAL SAVINGS AMONG MEMBERS, PARTICULARLY THOSE OF MODEST MEANS, WHICH DIRECTLY ALIGNS WITH ITS MISSION TO PROMOTE THRIFT AND PROVIDE A SOURCE OF CREDIT AT REASONABLE RATES.
- THE PROVISION FOR LOAN LOSSES ENSURES THE LONG-TERM FINANCIAL STABILITY AND SOUNDNESS OF THE CREDIT UNION, PROTECTING MEMBER DEPOSITS AND PRESERVING TRUST IN ITS LENDING OPERATIONS. THIS ACCOUNTING EXPENSE REFLECTS PRUDENT FINANCIAL MANAGEMENT AND RISK MITIGATION FOR POTENTIAL LOAN DEFAULTS, PARTICULARLY AMONG UNDERSERVED OR ECONOMICALLY VULNERABLE MEMBERS. BY MAINTAINING ADEQUATE RESERVES, THE CREDIT UNION CAN CONTINUE TO OFFER ACCESSIBLE, FAIR, AND RESPONSIBLE CREDIT OPTIONS, CONSISTENT WITH ITS CORE MISSION OF SERVING THE COMMUNITY'S FINANCIAL NEEDS.
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
- 62-0517615
- 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)
- $335,363,445
- Income (IRS master file)
- $22,979,260
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $22,908,081 | $20,171,505 | $335,363,445 | XML |
| 990 | December 2024 | $21,415,746 | $19,652,122 | $318,990,368 | XML |
| 990 | December 2023 | $19,517,866 | $17,344,912 | $294,732,281 | XML |
| 990 | December 2022 | $17,909,727 | $14,072,494 | $287,343,316 | IRS |
| 990 | December 2021 | $15,706,229 | $12,484,394 | $267,338,347 | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | 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 62-0517615).
Questions about U S COMMUNITY CREDIT UNION
- What is the EIN of U S COMMUNITY CREDIT UNION?
- The employer identification number (EIN) of U S COMMUNITY CREDIT UNION is 62-0517615.
- Is U S COMMUNITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1952.
- Are donations to U S COMMUNITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does U S COMMUNITY 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 U S COMMUNITY 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 U S COMMUNITY 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 U S COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names BEN JOHNSON.
- Who are the officers and directors of U S COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 17 people; 15 received compensation from the organization, the highest $409,914 (BEN JOHNSON, CEO).
- How much revenue does U S COMMUNITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $22,908,081, expenses of $20,171,505 and total assets of $335,363,445 at year end.
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