Nonprofit · EIN 62-0538561
EPB EMPLOYEES CREDIT UNION
Tax-exempt · CHATTANOOGA, TN 37404
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $1,882,921 | $1,931,433 | -$48,512 | $38,767,544 | $34,932,038 | $3,835,506 |
| December 31, 2023 | 990 | $1,587,595 | $1,572,440 | $15,155 | $40,581,151 | $37,106,908 | $3,474,243 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,882,921
- Investment income
- $0
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $771,853
- Compensation of officers, directors and key employees
- $105,611
- Other salaries and wages
- $289,214
- Salaries, compensation and benefits (total)
- $536,813
- Professional fundraising fees
- $0
- Occupancy
- $53,863
- Travel
- $6,922
- Program services (functional)
- $1,931,433
Balance sheet and other
- Total assets, start of year
- $40,581,151
- Total assets, end of year
- $38,767,544
- Total liabilities, end of year
- $34,932,038
- Net assets, end of year
- $3,835,506
- Land, buildings and equipment
- $362,037
- Gross receipts
- $1,882,921
- Employees
- 6
- Volunteers
- 15
- Year formed
- 1954
- 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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JERRY B TROTTER | CEO Officer | 40 | $105,611 |
| TYLER HOLISTER | BOARD MEMBER Trustee or director | 0.5 | $0 |
| BRYAN BETTY | SECRETARY Trustee or director, Officer | 1 | $0 |
| WENDALL BORING | TREASURER Trustee or director, Officer | 1 | $0 |
| JAMES C MILLION | BOARD MEMBER Trustee or director | 0.5 | $0 |
| ANGELA LOVE | BOARD MEMBER Trustee or director | 0.5 | $0 |
| DALE MCLEOD | PRESIDENT Trustee or director, Officer | 1 | $0 |
| SANDEE BINGHAM | VICE PRESIDENT Trustee or director, Officer | 1 | $0 |
990 for the year ended December 31, 2023: 8 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JERRY B TROTTER | CEO Officer | 40 | $128,796 |
| JAMES C MILLION | BOARD MEMBER Trustee or director | 0.5 | $0 |
| ANGELA LOVE | BOARD MEMBER Trustee or director | 0.5 | $0 |
| DAVID LEE | BOARD MEMBER Trustee or director | 0.5 | $0 |
| SANDEE BINGHAM | VICE PRESIDENT Trustee or director, Officer | 1 | $0 |
| DALE MCLEOD | PRESIDENT Trustee or director, Officer | 1 | $0 |
| WENDALL BORING | TREASURER Trustee or director, Officer | 1 | $0 |
| BRYAN BETTY | SECRETARY Trustee or director, Officer | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 1500 MCCALLIE AVE, CHATTANOOGA, TN 37404-2937
- In care of
- % JERRY B TROTTER
- Signed the 990
- JERRY B TROTTER, CEO
- Phone
- (423) 648-3413
- Website
- WWW.EPBECU.ORG
- Return prepared by
- Peters and Associates
Mission
STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 2,505 MEMBERS TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED.
Program accomplishments
- STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 2,505 MEMBERS TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED. ALL OF OUR REVENUE AND EXPENDITURES ARE RELATED TO THIS PURPOSE.Expenses $1,931,433 · revenue $1,882,921
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 | Not 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
- 62-0538561
- 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)
- $38,767,544
- Income (IRS master file)
- $1,882,921
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $1,882,921 | $1,931,433 | $38,767,544 | XML |
| 990 | December 2023 | $1,587,595 | $1,572,440 | $40,581,151 | XML |
| 990 | December 2022 | $1,322,569 | $1,004,525 | $41,594,068 | 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 62-0538561).
Questions about EPB EMPLOYEES CREDIT UNION
- What is the EIN of EPB EMPLOYEES CREDIT UNION?
- The employer identification number (EIN) of EPB EMPLOYEES CREDIT UNION is 62-0538561.
- Is EPB EMPLOYEES CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1952.
- Are donations to EPB EMPLOYEES CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does EPB 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 EPB EMPLOYEES CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did EPB EMPLOYEES CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who are the officers and directors of EPB EMPLOYEES CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 8 people; 1 received compensation from the organization, the highest $105,611 (JERRY B TROTTER, CEO).
- How much revenue does EPB EMPLOYEES CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $1,882,921, expenses of $1,931,433 and total assets of $38,767,544 at year end.
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