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Nonprofit · EIN 62-0812280

HIWASSEE RIVER CREDIT UNION

Tax-exempt · CHARLESTON, TN 37310

Financials

$917K$772K2023$1.1M$984K2024$1.2M$1M2025
Revenue Expenses · by fiscal year end
Financials of HIWASSEE RIVER CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$1,198,187$1,034,260$163,927$26,885,225$23,929,485$2,955,740
December 31, 2024990$1,116,362$984,313$132,049$28,315,945$25,524,133$2,791,812
December 31, 2023990$917,261$771,721$145,540$29,452,339$26,792,577$2,659,762
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$725,243
Investment income
$455,626
Other revenue
$17,318

Expenses

Grants and similar amounts paid
$0
Other salaries and wages
$279,213
Salaries, compensation and benefits (total)
$332,461
Professional fundraising fees
$0
Occupancy
$2,935
Travel
$6,790
Management and general (functional)
$1,034,260

Balance sheet and other

Total assets, start of year
$28,315,945
Total assets, end of year
$26,885,225
Total liabilities, end of year
$23,929,485
Net assets, end of year
$2,955,740
Land, buildings and equipment
$14,818
Gross receipts
$1,198,187
Employees
8
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.

NameTitleHours / weekCompensationOther / benefits
STEPHANIE YOUNGCEO
Officer
40$82,442$9,962
TRENDEL HODGESBOARD PRESID
Trustee or director
1$0$0
TERESA SHELTONBOARD 1ST VP
Trustee or director
1$0$0
KENYA WARRENBOARD 2ND VP
Trustee or director
1$0$0
STEVE LITZBOARD TREASU
Trustee or director
1$0$0
MATT HAUBERBOARD SECRET
Trustee or director
1$0$0
JOHN REITERSUPERVISORY
Officer
1$0$0
SANDY PARKERCREDIT COM M
Officer
1$0$0
990 for the year ended December 31, 2024: 10 people
NameTitleHours / weekCompensationOther / benefits
STEPHANIE YOUNGCEO
Officer
40$79,442$2,500
TRENDEL HODGESBOARD PRESID
Trustee or director
1$0$0
TERESA SHELTONBOARD 1ST VP
Trustee or director
1$0$0
KENYA WARRENBOARD 2ND VP
Trustee or director
1$0$0
STEVE LITZBOARD TREASU
Trustee or director
1$0$0
MATT HAUBERBOARD SECRET
Trustee or director
1$0$0
JOHN REITERSUPERVISORY
Officer
1$0$0
SANDY PARKERCREDIT COM M
Officer
1$0$0
JEFF THOMASCREDIT COM M
Officer
1$0$0
BRITTANY HUGGINSCREDIT COM M
Officer
1$0$0
990 for the year ended December 31, 2023: 10 people
NameTitleHours / weekCompensationOther / benefits
STEPHANIE YOUNGCEO
Officer
40$71,245$2,500
TRENDEL HODGESBOARD PRESID
Trustee or director
1$0$0
TERESA SHELTONBOARD 1ST VP
Trustee or director
1$0$0
KENYA WARRENBOARD 2ND VP
Trustee or director
1$0$0
STEVE LITZBOARD TREASU
Trustee or director
1$0$0
MATT HAUBERBOARD SECRET
Trustee or director
1$0$0
JOHN REITERSUPERVISORY
Officer
1$0$0
SANDY PARKERCREDIT COM M
Officer
1$0$0
JEFF THOMASCREDIT COM M
Officer
1$0$0
BRITTANY HUGGINSCREDIT COM M
Officer
1$0$0

Address and contacts

Address (IRS master file)
PO BOX 828, CHARLESTON, TN 37310-0828
In care of
% BRIAN MCMANUS
Principal officer (990 for 2025)
STEPHANIE YOUNG, P O BOX 828, CHARLESTON, TN 37310
Signed the 990
STEPHANIE YOUNG, CEO
Phone
(423) 336-4331
Return prepared by
CREDIT UNION AUDIT GROUP

Mission

TO PROVIDE SERVICES FOR APPROXIMATELY 1,962 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.

990 for the year ended December 31, 2025

Program accomplishments

  • THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
    Expenses $713,092
  • THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
    Expenses $321,167

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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
62-0812280
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
Assets (IRS master file)
$26,885,225
Income (IRS master file)
$1,198,187

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$1,198,187$1,034,260$26,885,225IRS
990December 2024$1,116,362$984,313$28,315,945XML
990December 2023$917,261$771,721$29,452,339XML
990December 2022$674,430$600,110$31,871,942IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2019–––IRS
990December 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 62-0812280).

Questions about HIWASSEE RIVER CREDIT UNION

What is the EIN of HIWASSEE RIVER CREDIT UNION?
The employer identification number (EIN) of HIWASSEE RIVER CREDIT UNION is 62-0812280.
Is HIWASSEE RIVER CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1952.
Are donations to HIWASSEE RIVER CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does HIWASSEE RIVER 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 HIWASSEE RIVER 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 HIWASSEE RIVER 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 HIWASSEE RIVER CREDIT UNION?
The 990 for the year ended December 31, 2025 names STEPHANIE YOUNG.
Who are the officers and directors of HIWASSEE RIVER CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 8 people; 1 received compensation from the organization, the highest $82,442 (STEPHANIE YOUNG, CEO).
How much revenue does HIWASSEE RIVER CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $1,198,187, expenses of $1,034,260 and total assets of $26,885,225 at year end.

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