Nonprofit · EIN 62-0794076
THE WEST TENNESSEE CREDIT UNION
Tax-exempt · ATOKA, TN 38004
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $1,101,818 | $1,062,617 | $39,201 | $18,424,044 | $16,466,328 | $1,957,716 |
| December 31, 2024 | 990 | $911,855 | $678,917 | $232,938 | $17,785,691 | $15,867,177 | $1,918,514 |
| December 31, 2023 | 990 | $843,312 | $656,689 | $186,623 | $18,659,371 | $16,973,796 | $1,685,575 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $842,684
- Investment income
- $91,662
- Other revenue
- $167,472
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $286,558
- Salaries, compensation and benefits (total)
- $338,475
- Professional fundraising fees
- $0
- Occupancy
- $33,642
- Management and general (functional)
- $1,062,617
Balance sheet and other
- Total assets, start of year
- $17,785,691
- Total assets, end of year
- $18,424,044
- Total liabilities, end of year
- $16,466,328
- Net assets, end of year
- $1,957,716
- Land, buildings and equipment
- $129,736
- Gross receipts
- $1,101,818
- Employees
- 7
- Volunteers
- 5
- Year formed
- 1967
- 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 |
|---|---|---|---|
| KEN NEWBERRY | PRESIDENT/CE Officer | 40 | $80,000 |
| AL WISE | BOARD CHAIRM Trustee or director | 1 | $0 |
| LEONARD ROBINSON | BOARD VICE C Trustee or director | 1 | $0 |
| DANIEL WARLICK | BOARD SECRET Trustee or director | 1 | $0 |
| KEITH PIKE | BOARD TREASU Trustee or director | 1 | $0 |
| MICHAEL BEASLEY | BOARD MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 6 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KEN NEWBERRY | PRESIDENT/CE Officer | 40 | $80,000 |
| AL WISE | BOARD CHAIRM Trustee or director | 1 | $0 |
| LEONARD ROBINSON | BOARD VICE C Trustee or director | 1 | $0 |
| DANIEL WARLICK | BOARD SECRET Trustee or director | 1 | $0 |
| KEITH PIKE | BOARD TREASU Trustee or director | 1 | $0 |
| MICHAEL BEASLEY | BOARD MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 6 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KEN NEWBERRY | PRESIDENT/CE Officer | 40 | $70,500 |
| AL WISE | BOARD CHAIRM Trustee or director | 1 | $0 |
| LEONARD ROBINSON | BOARD VICE C Trustee or director | 1 | $0 |
| KEITH PIKE | BOARD MEMBER Trustee or director | 1 | $0 |
| MICHAEL BEASLEY | BOARD MEMBER Trustee or director | 1 | $0 |
| DANIEL WARLICK | BOARD SECRET Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 13690 HIGHWAY 51 S STE 107, ATOKA, TN 38004-7645
- In care of
- % DICK BALLARD
- Principal officer (990 for 2025)
- KEN NEWBERRY, 13690 HIGHWAY 51 S STE 107, ATOKA, TN 38004
- Signed the 990
- KEN NEWBERRY, PRESIDENT/CEO
- Phone
- (901) 358-3796
- Website
- WWW.WTNCU.ORG
- Return prepared by
- CREDIT UNION AUDIT GROUP
Mission
CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 1,683 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 $947,035
- THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.Expenses $115,581
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
- 62-0794076
- 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)
- $18,424,044
- Income (IRS master file)
- $1,101,818
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $1,101,818 | $1,062,617 | $18,424,044 | XML |
| 990 | December 2024 | $911,855 | $678,917 | $17,785,691 | XML |
| 990 | December 2023 | $843,312 | $656,689 | $18,659,371 | XML |
| 990 | December 2022 | $528,634 | $639,320 | $19,399,326 | 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 62-0794076).
Questions about THE WEST TENNESSEE CREDIT UNION
- What is the EIN of THE WEST TENNESSEE CREDIT UNION?
- The employer identification number (EIN) of THE WEST TENNESSEE CREDIT UNION is 62-0794076.
- Is THE WEST TENNESSEE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1952.
- Are donations to THE WEST TENNESSEE CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does THE WEST TENNESSEE 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 THE WEST TENNESSEE 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 THE WEST TENNESSEE 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 THE WEST TENNESSEE CREDIT UNION?
- The 990 for the year ended December 31, 2025 names KEN NEWBERRY.
- Who are the officers and directors of THE WEST TENNESSEE CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 6 people; 1 received compensation from the organization, the highest $80,000 (KEN NEWBERRY, PRESIDENT/CE).
- How much revenue does THE WEST TENNESSEE CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $1,101,818, expenses of $1,062,617 and total assets of $18,424,044 at year end.
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