Nonprofit · EIN 62-0731807
GREATER EXPERIENCE CREDIT UNION
Tax-exempt · JOHNSON CITY, TN 37604
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $3,554,310 | $3,487,924 | $66,386 | $56,546,787 | $48,613,102 | $7,933,685 |
| December 31, 2024 | 990 | $3,401,896 | $3,138,648 | $263,248 | $55,894,296 | $48,026,995 | $7,867,301 |
| December 31, 2023 | 990 | $3,133,252 | $2,632,571 | $500,681 | $55,383,589 | $47,779,536 | $7,604,053 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $2,751,405
- Investment income
- $341,181
- Other revenue
- $461,724
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $993,780
- Salaries, compensation and benefits (total)
- $1,438,976
- Professional fundraising fees
- $0
- Occupancy
- $198,499
- Management and general (functional)
- $3,487,924
Balance sheet and other
- Total assets, start of year
- $55,894,296
- Total assets, end of year
- $56,546,787
- Total liabilities, end of year
- $48,613,102
- Net assets, end of year
- $7,933,685
- Land, buildings and equipment
- $2,727,546
- Gross receipts
- $3,554,310
- Employees
- 25
- Volunteers
- 5
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 |
|---|---|---|---|---|
| SAMANTHA CANTRELL | CEO Officer | 40 | $108,614 | $19,903 |
| TRACY FIELDS | COO Officer | 40 | $91,597 | $25,990 |
| LYNICE BROYLES | BOARD CHAIR Trustee or director | 1 | $0 | $0 |
| LOIS GAIL KYKER | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| MICHAEL SCHARBERG | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| ROBERT HESTER | BOARD TREASU Trustee or director | 1 | $0 | $0 |
| ALEX DANCE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 7 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SAMANTHA CANTRELL | CEO/BOD TREA Officer | 40 | $100,052 | $22,288 |
| TRACY FIELDS | COO Officer | 40 | $86,916 | $30,688 |
| LYNICE BROYLES | BOARD CHAIR Trustee or director | 1 | $0 | $0 |
| LOIS GAIL KYKER | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| MICHAEL SCHARBERG | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| ROBERT HESTER | BOARD TREASU Trustee or director | 1 | $0 | $0 |
| ALEX DANCE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 5 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SAMANTHA CANTRELL | CEO/BOD TREA Trustee or director, Officer | 40 | $85,754 | $20,306 |
| TRACY FIELDS | COO Officer | 40 | $77,264 | $27,505 |
| LYNICE BROYLES | BOARD CHAIR Trustee or director | 1 | $0 | $0 |
| LOIS GAIL KYKER | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| MICHAEL SCHARBERG | BOARD SECRET Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2110 W MOUNTCASTLE DR, JOHNSON CITY, TN 37604-2514
- In care of
- % SAMANTHA CANTRELL
- Principal officer (990 for 2025)
- SAMANTHA CANTRELL, P O BOX 5130, JOHNSON CITY, TN 37602
- Signed the 990
- SAMANTHA CANTRELL, CEO
- Phone
- (423) 283-4300
- Website
- WWW.GREATEREASTERN.ORG
- Return prepared by
- CREDIT UNION AUDIT GROUP
Mission
CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 4,020 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 $3,194,423
- THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.Expenses $293,501
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
- 62-0731807
- 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)
- $56,546,787
- Income (IRS master file)
- $3,554,310
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $3,554,310 | $3,487,924 | $56,546,787 | XML |
| 990 | December 2024 | $3,401,896 | $3,138,648 | $55,894,296 | XML |
| 990 | December 2023 | $3,133,252 | $2,632,571 | $55,383,589 | XML |
| 990 | December 2022 | $2,779,243 | $2,289,113 | $60,219,676 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | 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 62-0731807).
Questions about GREATER EXPERIENCE CREDIT UNION
- What is the EIN of GREATER EXPERIENCE CREDIT UNION?
- The employer identification number (EIN) of GREATER EXPERIENCE CREDIT UNION is 62-0731807.
- Is GREATER EXPERIENCE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1952.
- Are donations to GREATER EXPERIENCE CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does GREATER EXPERIENCE 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 GREATER EXPERIENCE 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 GREATER EXPERIENCE 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 GREATER EXPERIENCE CREDIT UNION?
- The 990 for the year ended December 31, 2025 names SAMANTHA CANTRELL.
- Who are the officers and directors of GREATER EXPERIENCE CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 7 people; 2 received compensation from the organization, the highest $108,614 (SAMANTHA CANTRELL, CEO).
- How much revenue does GREATER EXPERIENCE CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $3,554,310, expenses of $3,487,924 and total assets of $56,546,787 at year end.
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