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Nonprofit · EIN 62-0962107

CONSUMER CREDIT UNION

Tax-exempt · GREENEVILLE, TN 37745

Financials

$29.9M$24.7M2025
Revenue Expenses · by fiscal year end
Financials of CONSUMER CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$29,887,391$24,742,498$5,144,893$647,283,591$587,785,035$59,498,556
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$22,262,252
Investment income
$3,185,885
Net gain from sales of assets
-$40,164
Other revenue
$4,439,254

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$501,906
Other salaries and wages
$4,979,682
Salaries, compensation and benefits (total)
$6,728,102
Professional fundraising fees
$0
Legal fees
$14,794
Accounting fees
$96,024
Occupancy
$665,623
Travel
$23,603
Depreciation
$522,269

Balance sheet and other

Total assets, start of year
$618,912,601
Total assets, end of year
$647,283,591
Total liabilities, end of year
$587,785,035
Net assets, end of year
$59,498,556
Land, buildings and equipment
$9,073,359
Publicly traded securities
$83,365,142
Gross receipts
$36,155,599
Employees
104
Volunteers
8
Year formed
1953
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 / weekCompensation
AMANDA KILDAYPRESIDENT
Trustee or director, Officer, Key employee, Highest-paid employee
40$501,906
BRIAN ALLENEVP/CHIEF INFORMATION OFFICER/COMPLIANCE
Highest-paid employee
40$231,670
SUSAN ACUFFSVP/CFO
Highest-paid employee
40$230,810
DANIEL HAWKSVP/COMMERCIAL LENDING
Highest-paid employee
40$197,965
STEPHEN CUTSHALLCHIEF MORTGAGE OFFICER/EXECUTIVE COMPLIANCE OFFICER
Highest-paid employee
40$182,989
KATHERINE MCCORMICKSVP OF FINANCE
Highest-paid employee
40$171,201
MARCIA WHALEYBOARD CHAIRMAN
Trustee or director, Officer
0$0
JUDY DAVISBOARD MEMBER
Trustee or director
0$0
BRIAN COOKBOARD MEMBER
Trustee or director
0$0
BURTON GOOGEBOARD MEMBER
Trustee or director
0$0
GEORGE HARRISBOARD VICE CHAIRMAN
Trustee or director, Officer
0$0
HEATHER PATCHETTBOARD MEMBER
Trustee or director
0$0
CYNTHIA PECTOLBOARD MEMBER SECRETARY
Trustee or director, Officer
0$0
LARRY COUGHLINBOARD MEMBER
Trustee or director
0$0

Address and contacts

Address (IRS master file)
3634 E ANDREW JOHNSON HWY, GREENEVILLE, TN 37745-1083
In care of
% SAM MILLER
Principal officer (990 for 2025)
AMANDA KILDAY, 3634 E ANDREW JOHNSON HWY, GREENEVILLE, TN 37745
Signed the 990
KATHERINE MCCORMICK, SVP OF FINANCE
Phone
(423) 639-6131

Mission

PROVIDE FINANCIAL SERVICES FOR MEMBERS (31,119 AS OF 12/31/25) INCLUDING LOANS, SAVINGS AND CHECKING ACCOUNTS, CERTIFICATES OF DEPOSITS, IRAS, ECT. ALSO PROVIDE OTHER SERVICES SUCH AS ATM/DEBIT CARDS, CREDIT CARDS, MONEY ORDERS, AND LOCK BOXES.

990 for the year ended December 31, 2025

Program accomplishments

  • PROVIDE FINANCIAL SERVICES FOR MEMBERS IN THE FORM OF LOANS, SAVINGS AND CHECKING ACCOUNTS, CERTIFICATES OF DEPOSITS, IRAS ECT. ALSO PROVIDE OTHER SERVICES SUCH AS ATM/DEBIT CARDS, CREDIT CARDS, MONEY ORDERS, AND LOCK BOXES. (31,119 MEMBERS AS OF 12/31/25)

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
62-0962107
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)
$647,283,591
Income (IRS master file)
$36,155,599

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025–––IRS
990December 2024–––IRS
990December 2023$26,237,078$22,167,798$628,277,279IRS
990December 2022$20,055,124$16,324,737$603,731,277IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS

990-N: the IRS publishes only the latest e-Postcard per organization; earlier years appear here as 990.tax collects the monthly files. 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.

Questions about CONSUMER CREDIT UNION

What is the EIN of CONSUMER CREDIT UNION?
The employer identification number (EIN) of CONSUMER CREDIT UNION is 62-0962107.
Is CONSUMER CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1952.
Are donations to CONSUMER CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does CONSUMER 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 CONSUMER 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 CONSUMER 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 CONSUMER CREDIT UNION?
The 990 for the year ended December 31, 2025 names AMANDA KILDAY.
Who are the officers and directors of CONSUMER CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 14 people; 6 received compensation from the organization, the highest $501,906 (AMANDA KILDAY, PRESIDENT).
How much revenue does CONSUMER CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $29,887,391, expenses of $24,742,498 and total assets of $647,283,591 at year end.

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