{"success":true,"data":{"_id":626039479,"filings":[{"Organization":{"value":null,"Person":["B FIELDING ROLSTON","JEFF W ANDERSON","STEVE G CRAWFORD","E WAYNE KIRK","KYLE P MACIONE","LISA A MCCONNELL","STACEY E POMRENKE","NORRIS P SNEED","OLAN O JONES JR","DAVID W ATKINSON","DARRELL DINSMORE","KELLY PRICE","DEBRA BRIDWELL","GARY TUCKER","CAROL CROSS","CHERIE MONSON","TAMMY LATTURE","THOMAS KENNEDY","LINDA COX","ROBINETTE WILKERSON","DEBORAH C BYERS","DOLLY LINKOUS"],"Title":["CHAIRPERSON, BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS","VICE CHAIRMAN, BOARD OF DIRECTORS","BOARD OF DIRECTORS","SECRETARY, BOARD OF DIRECTORS","BOARD OF DIRECTORS","TREASURER BOARD OF DIRECTORS","BOARD OF DIRECTORS/PRESIDENT/CEO","EXEC VP/CHIEF FINANCIAL OFFICER","VP/INFORMATION TECHNOLOGY","VICE PRESIDENT/OPERATIONS","SVP/MARKETING AND FACILITIES","SVP/GOV AND BUS RELATIONS","VP/HR AND LEARNING RESOURCE CENTER","VICE PRESIDENT/CHIEF COUNSEL","VP/MEMBER SERVICE LENDING","DIRECTOR BUSINESS SERVICES","DIRECTOR FACILITIES & SERVICE CENTER","CONTROLLER","REGIONAL MARKET MANAGER","DIRECTOR MORTGAGE LENDING"],"Hours":[5.0,2.0,2.0,3.0,2.0,2.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,698,9264035,2240950,345769,331876,329337,289797,250569,255557,328875,178510,185525,170405,184033,191642],"Direct compensation":[0,0,0,0,0,0,0,698,7273263,2064434,243090,240252,232954,212629,208200,230057,218070,143115,134853,133794,126144,130437],"Other compensation":[0,0,0,0,0,0,0,0,1990772,176516,102679,91624,96383,77168,42369,25500,110805,35395,50672,36611,57889,61205]},"Basic":{"value":null,"mission":"Operated during 2014 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2014,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1934,"state_legal_domicile":"TN","total_volunteers":17,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":618,"Total Gross UBI":1164775,"Net unrelated business taxable income":0,"Number of employees":618,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":127179422,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":126977031,"Total revenue":{"value":126977031,"Loan Interest":99806422,"Fee and Other Operating Income":23584765,"Other Income":654454,"Investment Income":2931390},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":202391,"Other total":0,"Royalties revenue":0,"Net rental income":202391,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":91815960,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":19573369,"Benefits paid to members Total":19573369},"Salaries":{"value":40547464,"Current officers":5510640,"Disqualified persons":0,"Other salaries and wages":25646293,"Pension plan contributions":1200778,"Other employee benefits":5908444,"Payroll taxes":2281309},"Other expenses":{"value":31695127,"Management services":0,"Legal":175221,"Accounting":103700,"Lobbying services":0,"Investment management fees":0,"Other services":237699,"Advertising":2089257,"Office expenses":4432429,"Information technology":3994755,"Royalties":0,"Occupancy":2518959,"Travel":59773,"Conferences and meetings":439606,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4236830,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":13406898,"Provision for Loan Loss":4200000,"Deposit and Lending Services":7915358,"Telephone/Leased Equipment/Postage":1291540},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":19573369,"Management And General Expenses":72242591,"Fundraising Expenses":0}},"Assets":{"value":3064787129,"Non-interest bearing cash":21192359,"Savings and temp cash investments":436146421,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2351508801,"Inventories for sale or use":0,"Prepaid expenses deferred charges":12342298,"Land, building, equipment":49539361,"Investments publicly traded":0,"Investments other":0,"Investments program related":148595461,"Intangible assets":0,"Other assets":45462428},"Liabilities":{"value":2676448187,"Sum of Total Liabilities":0,"Accounts payable, accrued":40858498,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":3050835,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2632538854},"Fund balance":{"value":388338942,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.21318046448569508,"percentile":0.4521712598583777},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2780596219410401,"percentile":0.8211655989723395},"Liabilities to Assets Ratio":{"score":0.8732900767151454,"percentile":0.06888250061861617},"Operating Reserve Ratio":{"score":33.37967744387795,"percentile":0.9710237479485209},"Officer Compensation Ratio":{"score":0.15844280231889968,"percentile":0.39332528142211143},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5584940033071424,"percentile":0.4824310457818931}},"source_xml":"201521319349300142_public.xml"},{"Organization":{"value":null,"Person":["JEFF ANDERSON","GARY BASS","KRISTIE HAMMONDS","J ANDREW HATFIELD JR","E WAYNE KIRK","KYLE MACIONE","BRIAN MILLER","NORRIS SNEED","JENNIFER STEWART","KELLY PRICE","TONJA FISH","DARRELL DINSMORE","DOLLY LINKOUS","MATT WIMBERLEY","JEREMIAH LOUNDS","RUSSELL AYSCUE","MARK MILLWOOD","MATTHEW SMITH","THOMAS KENNEDY","MICHELLE CLARK","SCOTT DAVIS","JILL ALLEY","CHUCK PERRY","OLAN JONES"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHAIRMAN OF THE BOARD (THRU 12/24)","DIRECTOR","SECRETARY/TREASURER","CHAIRMAN OF THE BOARD (AS OF 12/24)","VICE CHAIRMAN OF THE BOARD","PRESIDENT/CEO, DIRECTOR","EVP, CHIEF FINANCIAL OFFICER","EVP, CHIEF ADMINISTRATIVE OFFICER","VP, CHIEF LENDING OFFICER","VP, CHIEF LEGAL & RISK OFFICER","VP, CHIEF OPERATING OFFICER","VP, CHIEF INFORMATION OFFICER","VP, CHIEF HUMAN RESOURCE OFFICER","VP, CHIEF MARKETING/ANALYTICS OFFICER","VP, BUSINESS SERVICES","VP ENTERPRISE RISK MANAGEMENT","VP, CONTROLLER","DIRECTOR, MEMBER CONTACT CENTER","VP, BRANCH OPERATIONS","FORMER PRESIDENT/CEO"],"Hours":[3.0,2.0,1.0,2.0,5.0,2.0,2.0,5.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,1336392,602269,565318,452890,404600,478390,454055,401807,312627,385822,267184,248756,247793,319226,104931],"Direct compensation":[0,0,0,0,0,0,0,0,0,1237631,542933,502700,399938,346046,419836,393216,343568,263766,321299,224410,204726,201245,277733,104931],"Other compensation":[0,0,0,0,0,0,0,0,0,98761,59336,62618,52952,58554,58554,60839,58239,48861,64523,42774,44030,46548,41493,0]},"Basic":{"value":null,"mission":"Operated during 2016 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2024,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"KELLY PRICE","year_formation":1934,"state_legal_domicile":"TN","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":1161,"Total Gross UBI":755463,"Net unrelated business taxable income":16960,"Number of employees":1161,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":535980677,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":477914261,"Total revenue":{"value":477914261,"LOAN INTEREST INCOME":396997495,"FEES AND CHARGES":77553393,"ECUTE TITLE SERVICES":2318723,"OTHER INCOME":1044650},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":57958083,"Investment income total":57973617,"Net investment gain":-15534,"Income from invest bond proceeds":0},"Other revenues":{"value":108333,"Other total":0,"Royalties revenue":0,"Net rental income":108333,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":403354283,"Grant expense":{"value":1913703,"Grants to domestic orgs":1913703,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":93916398,"Current officers":5008353,"Disqualified persons":0,"Other salaries and wages":64181704,"Pension plan contributions":6471333,"Other employee benefits":12877379,"Payroll taxes":5377629},"Other expenses":{"value":307524182,"Management services":0,"Legal":189945,"Accounting":164300,"Lobbying services":0,"Investment management fees":0,"Other services":644915,"Advertising":4674372,"Office expenses":6619564,"Information technology":18804800,"Royalties":0,"Occupancy":5741535,"Travel":284630,"Conferences and meetings":656796,"Interest":206219229,"Payments to affiliates":0,"Depreciation and depletion":6913810,"Insurance":469647,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":56140639,"DEPOSIT & LENDING SVCS":29913639,"PROVISION FOR LOAN LOSS":26220000,"UBI TAXES":7000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":9097283047,"Non-interest bearing cash":41893799,"Savings and temp cash investments":1365629461,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":7460848289,"Inventories for sale or use":0,"Prepaid expenses deferred charges":14388118,"Land, building, equipment":103977030,"Investments publicly traded":0,"Investments other":0,"Investments program related":20264045,"Intangible assets":0,"Other assets":90282305},"Liabilities":{"value":7851447210,"Sum of Total Liabilities":0,"Accounts payable, accrued":90821196,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":6962681,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":7753663333},"Fund balance":{"value":1245835837,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.24744622276746742,"percentile":0.7988077068012804},"Liabilities to Assets Ratio":{"score":0.8630540755340312,"percentile":0.07036943265932849},"Operating Reserve Ratio":{"score":22.554075735449672,"percentile":0.9532286002005959},"Officer Compensation Ratio":{"score":0.01631830943022365,"percentile":0.9310872961646302},"Program Expense Growth":{"score":-0.27821390417048036,"percentile":0.06705049952827805},"Revenue Growth":{"score":0.1350488521259886,"percentile":0.8280784948756261},"Asset Growth":{"score":0.10913566689761946,"percentile":0.704630474088034},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5584237467070591,"percentile":0.4822262614683715}},"source_xml":"202521219349300647_public.xml"},{"Organization":{"value":null,"Person":["JEFF ANDERSON","GARY BASS","STEVE CRAWFORD","KYLE MACIONE","JENNIFER WOLFE","E WAYNE KIRK","NORRIS SNEED","JENNIFER STEWART","KELLY PRICE","DARRELL DINSMORE","TONJA FISH","DEBRA BRIDWELL","MATT WIMBERLEY","JEREMIAH LOUNDS","MARK MILLWOOD","TAMMY LATTURE THROUGH 0521","DOLLY LINKOUS","RUSSELL AYSCUE","THOMAS KENNEDY","ROBIN WILKERSON","DEBORAH BYERS","LINDA COX","MICHELLE CLARK","OLAN JONES"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHAIRMAN OF THE BOARD","VICE CHAIRMAN OF THE BOARD","SECRETARY/TREASURER OF THE BOARD","PRESIDENT, CEO","SVP, CHIEF ADMINISTRATIVE OFFICER","VP, CHIEF FINANCIAL OFFICER","SVP, CHIEF MARKETING / FACILITIES OFFICER","VP, CHIEF LEGAL OFFICER/GEN. COUNSEL","VP, CHIEF OPERATING OFFICER","VP, CHIEF HUMAN RESOURCE OFFICER","SVP, MEMBER SERVICE/LENDING","VP, CHIEF LENDING OFFICER","VP, CHIEF INFORMATION OFFICER","DIRECTOR BUSINESS SERVICES","ENTERPRISE PROJECT MANAGER","REGIONAL DIRECTOR","DIRECTOR FACILITIES","DIRECTOR INTERNAL AUDIT","FORMER PRESIDENT/CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,5.0,5.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,950706,435607,425228,396830,366557,334753,318024,286577,267962,248251,299574,266654,212202,208299,196947,104931],"Direct compensation":[0,0,0,0,0,0,0,0,933614,404935,402184,371282,297820,282893,268392,256107,239636,205682,246746,222363,193815,201303,183470,104931],"Other compensation":[0,0,0,0,0,0,0,0,17092,30672,23044,25548,68737,51860,49632,30470,28326,42569,52828,44291,18387,6996,13477,0]},"Basic":{"value":null,"mission":"Operated during 2016 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2021,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"KELLY PRICE","year_formation":1934,"state_legal_domicile":"TN","total_volunteers":8,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":1080,"Total Gross UBI":840201,"Net unrelated business taxable income":0,"Number of employees":1080,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":291234788,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":289341485,"Total revenue":{"value":289341485,"LOAN INTEREST INCOME":229335017,"FEES AND CHARGES":55208699,"OTHER INCOME":4797769},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1703158,"Investment income total":1645800,"Net investment gain":57358,"Income from invest bond proceeds":0},"Other revenues":{"value":190145,"Other total":0,"Royalties revenue":0,"Net rental income":190145,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":190998639,"Grant expense":{"value":2655888,"Grants to domestic orgs":2655888,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":69918430,"Current officers":4030494,"Disqualified persons":0,"Other salaries and wages":47912881,"Pension plan contributions":5124902,"Other employee benefits":8509151,"Payroll taxes":4341002},"Other expenses":{"value":118424321,"Management services":0,"Legal":363210,"Accounting":119236,"Lobbying services":0,"Investment management fees":0,"Other services":487084,"Advertising":2968906,"Office expenses":10021138,"Information technology":8886209,"Royalties":0,"Occupancy":4656610,"Travel":248155,"Conferences and meetings":396473,"Interest":57098474,"Payments to affiliates":0,"Depreciation and depletion":7465174,"Insurance":357395,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":25356257,"DEPOSIT & LENDING SVCS":19406257,"OVERDRAFT FEES EXPENSE":3250000,"PROVISION FOR LOAN LOSS":2700000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":7123603375,"Non-interest bearing cash":44232301,"Savings and temp cash investments":1372143929,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5515171591,"Inventories for sale or use":0,"Prepaid expenses deferred charges":8918278,"Land, building, equipment":91820746,"Investments publicly traded":0,"Investments other":0,"Investments program related":24490502,"Intangible assets":0,"Other assets":66826028},"Liabilities":{"value":6292378428,"Sum of Total Liabilities":0,"Accounts payable, accrued":71519417,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":8547202,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":6212311809},"Fund balance":{"value":831224947,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3441764278517441,"percentile":0.8598188306184285},"Liabilities to Assets Ratio":{"score":0.8833139770362355,"percentile":0.06735091350353062},"Operating Reserve Ratio":{"score":37.29661851150678,"percentile":0.9743616896366984},"Officer Compensation Ratio":{"score":0.027848900012318937,"percentile":0.8712190733594882},"Program Expense Growth":{"score":-0.27230735370473363,"percentile":0.06833198943274256},"Revenue Growth":{"score":0.12208637740931619,"percentile":0.8076196347496019},"Asset Growth":{"score":0.11681361154717218,"percentile":0.7214400922724875},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5655303100803006,"percentile":0.5034902326481792}},"source_xml":"202241319349305719_public.xml"},{"Organization":{"value":null,"Person":["JEFF W ANDERSON","STEVE G CRAWFORD","E WAYNE KIRK","KYLE P MACIONE","JENNIFER L STEWART","NORRIS P SNEED","JENNIFER N WOLFE","OLAN O JONES JR","KELLY PRICE","DARRELL DINSMORE","TAMMY LATTURE","DEBRA BRIDWELL","TONJA FISH","MATT WIMBERLEY","JEREMIAH LOUNDS","MARK MILLWOOD","THOMAS KENNEDY","ROBINETTE WILKERSON","DOLLY LINKOUS","LINDA COX","DEBORAH BYERS"],"Title":["BOARD OF DIRECTORS","BOARD OF DIRECTORS","CHAIRMAN, BOARD OF DIRECTORS","BOARD OF DIRECTORS","SECRETARY/TREASURER BOARD OF DIRECTORS","VICE CHAIRMAN BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS/PRESIDENT/CEO","EXECUTIVE VICE PRESIDENT","VP/INFORMATION TECHNOLOGY","VP/MEMBER SERVICE LENDING","SVP/MARKETING AND FACILITIES","VP/CHIEF FINANCIAL OFFICER","VP/LEGAL SVCS/GENERAL COUNSEL","VICE PRESIDENT, OPERATIONS","VP HUMAN RESOURCES","DIRECTOR BUSINESS SERVICES","CONTROLLER","DIRECTOR MORTGAGE LENDING","DIRECTOR FACILITIES","REGIONAL DIRECTOR"],"Hours":[2.0,2.0,5.0,2.0,2.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,753,0,0,0,635,1429245,632663,496870,561348,438959,467462,302224,260120,248088,256844,245199,270348,251003,241474],"Direct compensation":[0,0,753,0,0,0,635,1166625,474863,361819,351147,317920,342630,258910,220539,211522,211639,204816,191149,187338,175020],"Other compensation":[0,0,0,0,0,0,0,262620,157800,135051,210201,121039,124832,43314,39581,36566,45205,40383,79199,63665,66454]},"Basic":{"value":null,"mission":"Operated during 2019 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2019,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1934,"state_legal_domicile":"TN","total_volunteers":18,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":7,"Number of employees total":923,"Total Gross UBI":419581,"Net unrelated business taxable income":0,"Number of employees":923,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":251106306,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":242024672,"Total revenue":{"value":242024672,"Loan Interest":199750214,"Fee and Other Operating Income":40919807,"Other Income":1354651},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8871726,"Investment income total":9141805,"Net investment gain":-270079,"Income from invest bond proceeds":0},"Other revenues":{"value":209908,"Other total":0,"Royalties revenue":0,"Net rental income":209908,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":181790875,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":61364379,"Current officers":4836979,"Disqualified persons":0,"Other salaries and wages":39530054,"Pension plan contributions":3623643,"Other employee benefits":9718387,"Payroll taxes":3655316},"Other expenses":{"value":120426496,"Management services":0,"Legal":252269,"Accounting":97450,"Lobbying services":0,"Investment management fees":0,"Other services":271112,"Advertising":2771150,"Office expenses":8861170,"Information technology":6791180,"Royalties":0,"Occupancy":3819831,"Travel":208619,"Conferences and meetings":485060,"Interest":64767673,"Payments to affiliates":0,"Depreciation and depletion":5108324,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":26992658,"Provision For Loan Loss":11800000,"Deposit Services":11955366,"Lending Services":3237292},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":5099588309,"Non-interest bearing cash":29346207,"Savings and temp cash investments":453905183,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4431897175,"Inventories for sale or use":0,"Prepaid expenses deferred charges":21658049,"Land, building, equipment":77699526,"Investments publicly traded":0,"Investments other":0,"Investments program related":23201787,"Intangible assets":0,"Other assets":61880382},"Liabilities":{"value":4446344784,"Sum of Total Liabilities":0,"Accounts payable, accrued":59790109,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":7430527,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":4379124148},"Fund balance":{"value":653243525,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.27604018435124444,"percentile":0.8198100996621136},"Liabilities to Assets Ratio":{"score":0.8719026938219455,"percentile":0.06909266624387733},"Operating Reserve Ratio":{"score":28.051948751553123,"percentile":0.9643213906143555},"Officer Compensation Ratio":{"score":0.033572834720114526,"percentile":0.8409511478857384},"Program Expense Growth":{"score":-0.2038455895078894,"percentile":0.08729855415719438},"Revenue Growth":{"score":0.12995728703820378,"percentile":0.8204166411196884},"Asset Growth":{"score":0.09903058651561392,"percentile":0.6807027646701116},"Independent Voting Board Pct":{"score":0.875,"percentile":0.22520058322737488},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5570927626255644,"percentile":0.4782837634637187}},"source_xml":"202041339349301729_public.xml"},{"Organization":{"value":null,"Person":["B FIELDING ROLSTON","JEFF W ANDERSON","STEVE G CRAWFORD","E WAYNE KIRK","KYLE P MACIONE","JENNIFER L STEWART","NORRIS P SNEED","JENNIFER N WOLFE","OLAN O JONES JR","DAVID W ATKINSON","DARRELL DINSMORE","KELLY PRICE","DEBRA BRIDWELL","GARY TUCKER","CAROL CROSS","CHERIE MONSON","TAMMY LATTURE","THOMAS KENNEDY","LINDA COX","ROBINETTE WILKERSON","TONJA FISH","DOLLY LINKOUS"],"Title":["CHAIRPERSON, BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS","VICE CHAIRMAN, BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS","SECRETARY, TREASURER BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS/PRESIDENT/CEO","EXEC VP/CHIEF FINANCIAL OFFICER","VP/INFORMATION TECHNOLOGY","VICE PRESIDENT/OPERATIONS","SVP/MARKETING AND FACILITIES","SVP/GOV AND BUS RELATIONS","VICE PRESIDENT/HUMAN RESOURCES","VICE PRESIDENT/CHIEF COUNSEL","VP/MEMBER SERVICE LENDING","DIRECTOR BUSINESS SERVICES","DIRECTOR FACILITIES & SERVICE CENTER","CONTROLLER","TREASURER","DIRECTOR MORTGAGE LENDING"],"Hours":[5.0,2.0,2.0,4.0,2.0,2.0,3.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,1268663,551997,408485,414617,375855,304480,302573,334335,396404,234944,217191,207220,213191,234306],"Direct compensation":[0,0,0,0,0,0,0,0,1072945,431426,306935,314365,281855,234680,255659,279206,285470,192053,168824,165981,163170,171838],"Other compensation":[0,0,0,0,0,0,0,0,195718,120571,101550,100252,94000,69800,46914,55129,110934,42891,48367,41239,50021,62468]},"Basic":{"value":null,"mission":"Operated during 2017 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2017,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Olan Jones","year_formation":1934,"state_legal_domicile":"TN","total_volunteers":17,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":800,"Total Gross UBI":1312608,"Net unrelated business taxable income":0,"Number of employees":800,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":173853772,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":173645659,"Total revenue":{"value":173645659,"LOAN INTEREST":132939385,"FEE AND OTHER OPERATING INCOME":34691988,"OTHER INCOME":1219143,"INVESTMENT INCOME":4795143},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":208113,"Other total":0,"Royalties revenue":0,"Net rental income":208113,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":123013571,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":28428413,"Benefits paid to members Total":28428413},"Salaries":{"value":51465551,"Current officers":4357409,"Disqualified persons":0,"Other salaries and wages":33023146,"Pension plan contributions":2836624,"Other employee benefits":8181054,"Payroll taxes":3067318},"Other expenses":{"value":43119607,"Management services":0,"Legal":255267,"Accounting":95112,"Lobbying services":0,"Investment management fees":0,"Other services":411559,"Advertising":2419518,"Office expenses":5792986,"Information technology":4886098,"Royalties":0,"Occupancy":3121678,"Travel":87935,"Conferences and meetings":488151,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4092140,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":21469163,"PROVISION FOR LOAN LOSS":7400000,"DEPOSIT AND LENDING SERVICES":12638849,"TELEPHONE/LEASED EQUIPMENT/POSTAGE":1430314},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":28428413,"Management And General Expenses":94585158,"Fundraising Expenses":0}},"Assets":{"value":4032781119,"Non-interest bearing cash":28683036,"Savings and temp cash investments":335495671,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3473371961,"Inventories for sale or use":0,"Prepaid expenses deferred charges":17947479,"Land, building, equipment":54344656,"Investments publicly traded":0,"Investments other":0,"Investments program related":73152740,"Intangible assets":0,"Other assets":49785576},"Liabilities":{"value":3508719554,"Sum of Total Liabilities":0,"Accounts payable, accrued":49212226,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":5007510,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3454499818},"Fund balance":{"value":524061565,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.23109981093061674,"percentile":0.4530948659905102},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2924308193899871,"percentile":0.8306094611039361},"Liabilities to Assets Ratio":{"score":0.870049588724034,"percentile":0.06935506601576774},"Operating Reserve Ratio":{"score":32.783221283772015,"percentile":0.9704095925455801},"Officer Compensation Ratio":{"score":0.044419985173830945,"percentile":0.784630584792437},"Program Expense Growth":{"score":0.09230882098422119,"percentile":0.6580679879451689},"Revenue Growth":{"score":0.09394858032031946,"percentile":0.7497560788509935},"Asset Growth":{"score":0.08771269320457913,"percentile":0.6508036414437818},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6152490176795224,"percentile":0.6494788499200961}},"source_xml":"201841159349300544_public.xml"},{"Organization":{"value":null,"Person":["B FIELDING ROLSTON","JEFF W ANDERSON","STEVE G CRAWFORD","E WAYNE KIRK","KYLE P MACIONE","LISA A MCCONNELL","NORRIS P SNEED","OLAN O JONES JR","DAVID W ATKINSON","DARRELL DINSMORE","KELLY PRICE","DEBRA BRIDWELL","GARY TUCKER","CAROL CROSS","CHERIE MONSON","TAMMY LATTURE","THOMAS KENNEDY","LINDA COX","ROBINETTE WILKERSON","DEBORAH C BYERS","DOLLY LINKOUS"],"Title":["CHAIRPERSON, BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS","VICE CHAIRMAN, BOARD OF DIRECTORS","BOARD OF DIRECTORS","SECRETARY, BOARD OF DIRECTORS","TREASURER BOARD OF DIRECTORS","BOARD OF DIRECTORS/PRESIDENT/CEO","EXEC VP/CHIEF FINANCIAL OFFICER","VP/INFORMATION TECHNOLOGY","VICE PRESIDENT/OPERATIONS","SVP/MARKETING AND FACILITIES","SVP/GOV AND BUS RELATIONS","VP/HR AND LEARNING RESOURCE CENTER","VICE PRESIDENT/CHIEF COUNSEL","VP/MEMBER SERVICE LENDING","DIRECTOR BUSINESS SERVICES","DIRECTOR FACILITIES & SERVICE CENTER","CONTROLLER","REGIONAL DIRECTOR, OPERATIONS","DIRECTOR MORTGAGE LENDING"],"Hours":[5.0,2.0,2.0,3.0,2.0,2.0,3.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,1077079,479981,349473,336100,328938,278175,312522,306195,326470,213106,186481,191881,182153,194019],"Direct compensation":[0,0,0,0,0,0,0,973496,401076,278880,278322,266155,235993,248883,265116,252153,175427,152210,153846,148616,153686],"Other compensation":[0,0,0,0,0,0,0,103583,78905,70593,57778,62783,42182,63639,41079,74317,37679,34271,38035,33537,40333]},"Basic":{"value":null,"mission":"Operated during 2015 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2015,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Olan Jones","year_formation":1934,"state_legal_domicile":"TN","total_volunteers":15,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":7,"Number of employees total":674,"Total Gross UBI":1175287,"Net unrelated business taxable income":0,"Number of employees":674,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":137101779,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":136902688,"Total revenue":{"value":136902688,"Loan Interest":106282053,"Fee and Other Operating Income":26920310,"Other Income":998200,"Investment Income":2702125},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":199091,"Other total":0,"Royalties revenue":0,"Net rental income":199091,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":97602882,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":20327133,"Benefits paid to members Total":20327133},"Salaries":{"value":40990336,"Current officers":3794933,"Disqualified persons":0,"Other salaries and wages":26314687,"Pension plan contributions":2061121,"Other employee benefits":6309010,"Payroll taxes":2510585},"Other expenses":{"value":36285413,"Management services":0,"Legal":228506,"Accounting":102505,"Lobbying services":0,"Investment management fees":0,"Other services":183493,"Advertising":2305690,"Office expenses":4665270,"Information technology":4092991,"Royalties":0,"Occupancy":2662794,"Travel":84830,"Conferences and meetings":416738,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3936698,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":17605898,"Provision for Loan Loss":6500000,"Deposit and Lending Services":9800733,"Telephone/Leased Equipment/Postage":1305165},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":20327133,"Management And General Expenses":77275749,"Fundraising Expenses":0}},"Assets":{"value":3259632514,"Non-interest bearing cash":30695499,"Savings and temp cash investments":355018067,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2659981370,"Inventories for sale or use":0,"Prepaid expenses deferred charges":12479759,"Land, building, equipment":49138321,"Investments publicly traded":0,"Investments other":0,"Investments program related":109980085,"Intangible assets":0,"Other assets":42339413},"Liabilities":{"value":2832459491,"Sum of Total Liabilities":0,"Accounts payable, accrued":37519051,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":3271552,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2791668888},"Fund balance":{"value":427173023,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.20826365557525237,"percentile":0.4519386464517896},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.28809908440356563,"percentile":0.8278493457591173},"Liabilities to Assets Ratio":{"score":0.868950557719219,"percentile":0.06951729913000444},"Operating Reserve Ratio":{"score":33.396887952550415,"percentile":0.9710395110684384},"Officer Compensation Ratio":{"score":0.04879541364362581,"percentile":0.762767838784653},"Program Expense Growth":{"score":0.011492714593421606,"percentile":0.36892770443212985},"Revenue Growth":{"score":0.06973123961397293,"percentile":0.68057794124111},"Asset Growth":{"score":0.06861011828656603,"percentile":0.5931678211474792},"Independent Voting Board Pct":{"score":0.875,"percentile":0.22520058322737488},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5712108150575131,"percentile":0.5204905304253694}},"source_xml":"201621239349301057_public.xml"},{"Organization":{"value":null,"Person":["B FIELDING ROLSTON","JEFF W ANDERSON","JOSEPH H DAVIS III","E WAYNE KIRK","LISA A MCCONNELL","STACEY E POMRENKE","NORRIS P SNEED","KYLE P MACIONE","OLAN O JONES JR","DAVID W ATKINSON","DARRELL DINSMORE","KELLY PRICE","DEBRA BRIDWELL","GARY TUCKER","CAROL CROSS","CHERIE MONSON","TAMMY LATTURE","THOMAS KENNEDY","LINDA COX","ROBINETTE WILKERSON","TONYA FISH","DOLLY LINKOUS"],"Title":["CHAIRPERSON, BOARD OF DIRECTORS","BOARD OF DIRECTORS","VICE-CHAIRMAN, BOARD OF DIRECTORS","BOARD OF DIRECTORS","SECRETARY, BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS/PRESIDENT/CEO","EXEC VP/CHIEF FINANCIAL OFFICER","VP/INFORMATION TECHNOLOGY","VICE PRESIDENT/OPERATIONS","SVP/MARKETING AND FACILITIES","SVP/GOV AND BUS RELATIONS","VP/HR AND LEARNING RESOURCE CENTER","VICE PRESIDENT/CHIEF COUNSEL","VP/MEMBER SERVICE LENDING","BUS SVCS PRODUCT DEVELOPMENT MGR","MGR, FACILITIES & ANCILLARY MEMBER SVCS","CONTROLLER","TREASURER","MORTGAGE MANAGER"],"Hours":[4.0,2.0,1.5,3.0,2.0,1.5,3.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,2120014,891406,243526,235655,229904,208019,234213,252458,210561,164234,138446,155738,127223,127569],"Direct compensation":[0,0,0,0,0,0,0,0,806139,332788,230315,222858,219714,204278,197775,212939,199892,131321,130195,122889,126032,119791],"Other compensation":[0,0,0,0,0,0,0,0,1313875,558618,13211,12797,10190,3741,36438,39519,10669,32913,8251,32849,1191,7778]},"Basic":{"value":null,"mission":"Operated during 2013 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2013,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1934,"state_legal_domicile":"TN","total_volunteers":17,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":587,"Total Gross UBI":1340502,"Net unrelated business taxable income":0,"Number of employees":587,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":119271381,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":119068454,"Total revenue":{"value":119068454,"Loan Interest":95184694,"Fee and Other Operating Income":19702471,"Other Income":944593,"Investment Income":3236696},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":202927,"Other total":0,"Royalties revenue":0,"Net rental income":202927,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":86983029,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":19869189,"Benefits paid to members Total":19869189},"Salaries":{"value":36974922,"Current officers":4625756,"Disqualified persons":0,"Other salaries and wages":22374962,"Pension plan contributions":2177166,"Other employee benefits":5768982,"Payroll taxes":2028056},"Other expenses":{"value":30138918,"Management services":0,"Legal":202483,"Accounting":126621,"Lobbying services":0,"Investment management fees":0,"Other services":88207,"Advertising":1851622,"Office expenses":4046409,"Information technology":3801271,"Royalties":0,"Occupancy":2333228,"Travel":76413,"Conferences and meetings":397666,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4297827,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":12917171,"Provision for Loan Loss":2200000,"Deposit and Lending Services":7616147,"Telephone/Leased Equipment/Postage":1281839,"Corporate CU Stabilization Expense":1819185},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":19869189,"Management And General Expenses":67113840,"Fundraising Expenses":0}},"Assets":{"value":2840431500,"Non-interest bearing cash":439905887,"Savings and temp cash investments":22361744,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2120493324,"Inventories for sale or use":0,"Prepaid expenses deferred charges":7164422,"Land, building, equipment":50812824,"Investments publicly traded":0,"Investments other":0,"Investments program related":161191109,"Intangible assets":0,"Other assets":38502190},"Liabilities":{"value":2485244863,"Sum of Total Liabilities":0,"Accounts payable, accrued":26756608,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":2487293,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2456000962},"Fund balance":{"value":355186637,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.2284260415902509,"percentile":0.4529561035341126},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.27071332392805947,"percentile":0.8161135056929545},"Liabilities to Assets Ratio":{"score":0.8749532819221305,"percentile":0.06863833158809832},"Operating Reserve Ratio":{"score":32.65500790964637,"percentile":0.970280658308306},"Officer Compensation Ratio":{"score":0.061379398503126396,"percentile":0.7029928983315157},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5806916373951416,"percentile":0.5484645876125889}},"source_xml":"201401329349301325_public.xml"},{"Organization":{"value":null,"Person":["KELLY PRICE","E WAYNE KIRK","NORRIS SNEED","JENNIFER STEWART","BRIAN K MILLER","GARY BASS","J ANDREW HATFIELD JR","JEFF ANDERSON","JENNIFER WOLFE","KYLE MACIONE","STEVE CRAWFORD THRU 322","MATT WIMBERLEY","JEREMIAH LOUNDS","RUSSELL AYSCUE","MARK MILLWOOD","DARRELL DINSMORE","TONJA FISH","DOLLY LINKOUS","KEVIN HILL","DEBRA BRIDWELL THRU 322","THOMAS KENNEDY","ROBIN WILKERSON","CHUCK PERRY","JILL ALLEY","CATHY BYERS","OLAN JONES"],"Title":["PRESIDENT, CEO","CHAIRMAN OF THE BOARD","VICE CHAIRMAN OF THE BOARD","SECRETARY/TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","VP, CHIEF LEGAL OFFICER","VP, CHIEF OPERATING OFFICER","VP, CHIEF INFORMATION OFFICER","VP, CHIEF HUMAN RESOURCE OFFICER","SVP, CHIEF ADMINISTRATIVE OFFICER","VP, CHIEF FINANCIAL OFFICER","VP, CHIEF LENDING OFFICER","VP CHIEF BRAND OFFICER","SVP, CHIEF MARKETING OFFICER","VP, BUSINESS SERVICES","ENTERPRISE PROJECT MANAGER","VICE PRESIDENT, BRANCH OPERATIONS","REGIONAL DIRECTOR","REGIONAL DIRECTOR","FORMER PRESIDENT/CEO"],"Hours":[40.0,5.0,5.0,2.0,2.0,2.0,1.0,2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0],"Total Compensation":[755332,0,0,0,0,0,0,0,0,0,0,359636,357459,336280,331347,317689,315879,262446,203955,184756,329938,273170,229628,172903,164149,104931],"Direct compensation":[1003483,0,0,0,0,0,0,0,0,0,0,306425,304248,287474,282001,414109,423646,336924,163451,172445,273434,227333,198468,207265,200558,104931],"Other compensation":[-248151,0,0,0,0,0,0,0,0,0,0,53211,53211,48806,49346,-96420,-107767,-74478,40504,12311,56504,45837,31160,-34362,-36409,0]},"Basic":{"value":null,"mission":"Operated during 2016 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2022,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"KELLY PRICE","year_formation":1934,"state_legal_domicile":"TN","total_volunteers":9,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":9,"Number of employees total":1127,"Total Gross UBI":790918,"Net unrelated business taxable income":0,"Number of employees":1127,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":342469069,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":321487147,"Total revenue":{"value":321487147,"LOAN INTEREST INCOME":253343508,"FEES AND CHARGES":65488171,"OTHER INCOME":2655468},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":20809898,"Investment income total":20562384,"Net investment gain":247514,"Income from invest bond proceeds":0},"Other revenues":{"value":172024,"Other total":0,"Royalties revenue":0,"Net rental income":172024,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":207574980,"Grant expense":{"value":924038,"Grants to domestic orgs":924038,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":79919005,"Current officers":3424782,"Disqualified persons":0,"Other salaries and wages":55697040,"Pension plan contributions":5824279,"Other employee benefits":10352485,"Payroll taxes":4620419},"Other expenses":{"value":126731937,"Management services":0,"Legal":61597,"Accounting":157616,"Lobbying services":0,"Investment management fees":0,"Other services":779314,"Advertising":3641122,"Office expenses":10733536,"Information technology":11044787,"Royalties":0,"Occupancy":5458679,"Travel":252535,"Conferences and meetings":625868,"Interest":53002068,"Payments to affiliates":0,"Depreciation and depletion":7715071,"Insurance":393918,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":32865826,"DEPOSIT & LENDING SVCS":22165826,"PROVISION FOR LOAN LOSS":10700000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":7481805455,"Non-interest bearing cash":53477148,"Savings and temp cash investments":867917238,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":6302508646,"Inventories for sale or use":0,"Prepaid expenses deferred charges":9980760,"Land, building, equipment":93631801,"Investments publicly traded":0,"Investments other":0,"Investments program related":77636982,"Intangible assets":0,"Other assets":76652880},"Liabilities":{"value":6517628561,"Sum of Total Liabilities":0,"Accounts payable, accrued":86956412,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":8637086,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":6422035063},"Fund balance":{"value":964176894,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3938869264715991,"percentile":0.8824577682787075},"Liabilities to Assets Ratio":{"score":0.8711304510924363,"percentile":0.0692030748910662},"Operating Reserve Ratio":{"score":36.04386932856744,"percentile":0.9734072125165639},"Officer Compensation Ratio":{"score":0.022640002181380434,"percentile":0.898580105853492},"Program Expense Growth":{"score":-0.2806524070341282,"percentile":0.06655435599455356},"Revenue Growth":{"score":0.1215049557504414,"percentile":0.8066470297893166},"Asset Growth":{"score":0.11488593240617048,"percentile":0.7173232679914109},"Independent Voting Board Pct":{"score":0.9,"percentile":0.23882945974943737},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.570812170979189,"percentile":0.5193194201324178}},"source_xml":"202331249349302718_public.xml"},{"Organization":{"value":null,"Person":["JEFF ANDERSON","GARY BASS","STEVE CRAWFORD","KYLE MACIONE","JENNIFER WOLFE","E WAYNE KIRK","NORRIS SNEED","JENNIFER STEWART","KELLY PRICE","DARRELL DINSMORE","TAMMY LATTURE","TONJA FISH","DEBRA BRIDWELL","MATT WIMBERLEY","JEREMIAH LOUNDS","MARK MILLWOOD","THOMAS KENNEDY","ROBIN WILKERSON","DOLLY LINKOUS","LINDA COX","DEBORAH BYERS","OLAN O JONES JR"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHAIRMAN OF THE BOARD","VICE CHAIRMAN OF THE BOARD","SECRETARY/TREASURER OF THE BOARD","PRESIDENT, CEO","SVP, INFORMATION TECHNOLOGY","SVP, MEMBER SERVICE/LENDING","VICE PRESIDENT, CFO","SVP, MARKETING/FACILITIES","VP, LEGAL/GENERAL COUNSEL","VP, OPERATIONS","VP, HUMAN RESOURCES","DIRECTOR BUSINESS SERVICES","CONTROLLER","DIRECTOR MORTGAGE LENDING","DIRECTOR FACILITIES","REGIONAL DIRECTOR","FORMER CEO/PRESIDENT"],"Hours":[2.0,1.0,2.0,2.0,2.0,5.0,3.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,724635,431217,419123,411840,396035,316830,291009,286821,268539,251319,241440,218528,214347,482191],"Direct compensation":[0,0,0,0,0,0,0,0,650473,369234,351562,358647,343050,270171,246764,242917,221752,209180,202081,196035,185695,464804],"Other compensation":[0,0,0,0,0,0,0,0,74162,61983,67561,53193,52985,46659,44245,43904,46787,42139,39359,22493,28652,17387]},"Basic":{"value":null,"mission":"Operated during 2016 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2020,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"KELLY PRICE","year_formation":1934,"state_legal_domicile":"TN","total_volunteers":18,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":1003,"Total Gross UBI":700614,"Net unrelated business taxable income":0,"Number of employees":1003,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":271988267,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":269461956,"Total revenue":{"value":269461956,"LOAN INTEREST INCOME":220775356,"FEES AND CHARGES":46958348,"OTHER INCOME":1728252},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2316386,"Investment income total":2431600,"Net investment gain":-115214,"Income from invest bond proceeds":0},"Other revenues":{"value":209925,"Other total":0,"Royalties revenue":0,"Net rental income":209925,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":195303852,"Grant expense":{"value":1006234,"Grants to domestic orgs":1006234,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":66144415,"Current officers":3277510,"Disqualified persons":0,"Other salaries and wages":42728882,"Pension plan contributions":4581088,"Other employee benefits":11624979,"Payroll taxes":3931956},"Other expenses":{"value":128153203,"Management services":0,"Legal":109943,"Accounting":149435,"Lobbying services":0,"Investment management fees":0,"Other services":359311,"Advertising":2783286,"Office expenses":8942501,"Information technology":7842272,"Royalties":0,"Occupancy":4559646,"Travel":187296,"Conferences and meetings":296498,"Interest":69293985,"Payments to affiliates":0,"Depreciation and depletion":6731627,"Insurance":334149,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":26563254,"DEPOSIT & LENDING SVCS":14963254,"PROVISION FOR LOAN LOSS":11600000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":6139596788,"Non-interest bearing cash":41612740,"Savings and temp cash investments":924041750,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4991140317,"Inventories for sale or use":0,"Prepaid expenses deferred charges":7987468,"Land, building, equipment":87150475,"Investments publicly traded":0,"Investments other":0,"Investments program related":28999891,"Intangible assets":0,"Other assets":58664147},"Liabilities":{"value":5409549664,"Sum of Total Liabilities":0,"Accounts payable, accrued":74210321,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":8767569,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":5326571774},"Fund balance":{"value":730047124,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2819401581024817,"percentile":0.8237844782591239},"Liabilities to Assets Ratio":{"score":0.8810920082851539,"percentile":0.06771470897181896},"Operating Reserve Ratio":{"score":31.436127475867707,"percentile":0.9689232111738695},"Officer Compensation Ratio":{"score":0.025364957983522004,"percentile":0.8843440468033212},"Program Expense Growth":{"score":-0.25054902057743955,"percentile":0.07356977414758},"Revenue Growth":{"score":0.12824992784815778,"percentile":0.817742397429232},"Asset Growth":{"score":0.109496256297039,"percentile":0.7054468859857795},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5605650887915091,"percentile":0.48867356760472147}},"source_xml":"202121349349301247_public.xml"},{"Organization":{"value":null,"Person":["KELLY PRICE","E WAYNE KIRK","NORRIS SNEED","JENNIFER STEWART","BRIAN K MILLER","GARY BASS","J ANDREW HATFIELD JR","JEFF ANDERSON","KYLE MACIONE","KRISTIE J HAMMONDS","JENNIFER WOLFE","MATT WIMBERLEY","JEREMIAH LOUNDS","RUSSELL AYSCUE","MARK MILLWOOD","DARRELL DINSMORE","TONJA FISH","DOLLY LINKOUS","KEVIN HILL","MATTHEW SMITH","THOMAS KENNEDY","CHUCK PERRY","JILL ALLEY","CATHY BYERS","MICHELLE CLARK","OLAN JONES"],"Title":["PRESIDENT/CEO, DIRECTOR","CHAIRMAN OF THE BOARD","VICE CHAIRMAN OF THE BOARD","SECRETARY/TREASURER","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR (THRU 2/23)","VP, CHIEF LEGAL OFFICER GENERAL COUNSEL","VP, CHIEF OPERATING OFFICER","VP, CHIEF INFORMATION OFFICER","VP, CHIEF HUMAN RESOURCES OFFICER","EVP, CHIEF ADMINISTRATIVE OFFICER","EVP, CHIEF FINANCIAL OFFICER","VP, CHIEF LENDING OFFICER","VP CHIEF BRAND OFFICER (THRU 6/23)","VP,CHIEF MARKETING ANALYTICS OFFICER","VP, BUSINESS SERVICES","VP, BRANCH OPERATIONS","REGIONAL DIRECTOR","FACILITIES STAFF ASSISTANT","DIRECTOR, INTERNAL AUDIT","FORMER PRESIDENT/CEO"],"Hours":[40.0,5.0,5.0,2.0,2.0,2.0,1.0,2.0,2.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0],"Total Compensation":[1337309,0,0,0,0,0,0,0,0,0,0,400217,433733,416632,383571,542277,559064,450879,208057,234733,382345,295927,284865,266992,261499,104931],"Direct compensation":[1217681,0,0,0,0,0,0,0,0,0,0,344561,378077,360234,328685,465747,489131,389330,170337,192920,321213,259116,232699,215701,214698,104931],"Other compensation":[119628,0,0,0,0,0,0,0,0,0,0,55656,55656,56398,54886,76530,69933,61549,37720,41813,61132,36811,52166,51291,46801,0]},"Basic":{"value":null,"mission":"Operated during 2016 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2023,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"KELLY PRICE","year_formation":1934,"state_legal_domicile":"TN","total_volunteers":9,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":9,"Number of employees total":1039,"Total Gross UBI":771452,"Net unrelated business taxable income":18140,"Number of employees":1039,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":436090758,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":395732615,"Total revenue":{"value":395732615,"LOAN INTEREST INCOME":320114541,"FEES AND CHARGES":72673143,"OTHER INCOME":2944931},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":40180959,"Investment income total":40131711,"Net investment gain":49248,"Income from invest bond proceeds":0},"Other revenues":{"value":177184,"Other total":0,"Royalties revenue":0,"Net rental income":177184,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":283680095,"Grant expense":{"value":672355,"Grants to domestic orgs":672355,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":86533262,"Current officers":4966473,"Disqualified persons":0,"Other salaries and wages":59169260,"Pension plan contributions":6357775,"Other employee benefits":10853664,"Payroll taxes":5186090},"Other expenses":{"value":196474478,"Management services":0,"Legal":189652,"Accounting":118927,"Lobbying services":0,"Investment management fees":0,"Other services":783566,"Advertising":3878994,"Office expenses":12289246,"Information technology":12829094,"Royalties":0,"Occupancy":5507715,"Travel":253687,"Conferences and meetings":840005,"Interest":112973305,"Payments to affiliates":0,"Depreciation and depletion":6988240,"Insurance":428279,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":39393768,"DEPOSIT & LENDING SVCS":24673768,"PROVISION FOR LOAN LOSS":14720000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":8017428459,"Non-interest bearing cash":41331768,"Savings and temp cash investments":831112668,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":6892988026,"Inventories for sale or use":0,"Prepaid expenses deferred charges":10816113,"Land, building, equipment":92797330,"Investments publicly traded":0,"Investments other":0,"Investments program related":67105448,"Intangible assets":0,"Other assets":81277106},"Liabilities":{"value":6906350677,"Sum of Total Liabilities":0,"Accounts payable, accrued":85049725,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":8626137,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":6812674815},"Fund balance":{"value":1111077782,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3494929901724723,"percentile":0.8624892722756063},"Liabilities to Assets Ratio":{"score":0.8614171878574414,"percentile":0.07060561293800892},"Operating Reserve Ratio":{"score":28.262217195746498,"percentile":0.9646441303901029},"Officer Compensation Ratio":{"score":0.023135324316639134,"percentile":0.8959970149647358},"Program Expense Growth":{"score":-0.2815382358031558,"percentile":0.06637997739504936},"Revenue Growth":{"score":0.12812604867754412,"percentile":0.8175343820332931},"Asset Growth":{"score":0.11087166231392076,"percentile":0.7085210468576132},"Independent Voting Board Pct":{"score":0.9,"percentile":0.23882945974943737},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5673910411058546,"percentile":0.5089860116715059}},"source_xml":"202441249349302859_public.xml"},{"Organization":{"value":null,"Person":["B FIELDING ROLSTON","JEFF W ANDERSON","STEVE G CRAWFORD","E WAYNE KIRK","KYLE P MACIONE","JENNIFER L STEWART","NORRIS P SNEED","JENNIFER N WOLFE","OLAN O JONES JR","KELLY PRICE","DARRELL DINSMORE","TAMMY LATTURE","DEBRA BRIDWELL","CAROL CROSS","TONJA FISH","GARY TUCKER","MATT WIMBERLEY","JEREMIAH LOUNDS","THOMAS KENNEDY","ROBINETTE WILKERSON","DOLLY LINKOUS","LINDA COX","DEBORAH BYERS"],"Title":["CHAIRPERSON, BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS","VICE CHAIRMAN, BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS","SECRETARY, TREASURER BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS/PRESIDENT/CEO","EXECUTIVE VICE PRESIDENT","VP/INFORMATION TECHNOLOGY","VP/MEMBER SERVICE LENDING","SVP/MARKETING AND FACILITIES","VICE PRESIDENT/HUMAN RESOURCES","VP/CHIEF FINANCIAL OFFICER","SVP/GOV AND BUS RELATIONS","VP/LEGAL SVCS/GENERAL COUNSEL","VICE PRESIDENT, OPERATIONS","DIRECTOR BUSINESS SERVICES","CONTROLLER","DIRECTOR MORTGAGE LENDING","DIRECTOR FACILITIES","REGIONAL DIRECTOR"],"Hours":[5.0,2.0,2.0,4.0,2.0,2.0,3.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,1072,0,0,0,0,1151024,423273,381061,369040,345033,339362,266245,265070,226865,167910,253424,221893,207642,198098,192233],"Direct compensation":[0,0,0,1072,0,0,0,0,1115289,372041,335246,314222,304964,272056,247432,234921,186040,130808,206485,180983,180691,182247,167318],"Other compensation":[0,0,0,0,0,0,0,0,35735,51232,45815,54818,40069,67306,18813,30149,40825,37102,46939,40910,26951,15851,24915]},"Basic":{"value":null,"mission":"Operated during 2018 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2018,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1934,"state_legal_domicile":"TN","total_volunteers":17,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":845,"Total Gross UBI":763824,"Net unrelated business taxable income":null,"Number of employees":845,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":216841815,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":209232646,"Total revenue":{"value":209232646,"Loan Interest":166397974,"Fee and Other Operating Income":39481460,"Other Income":3353212},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7399254,"Investment income total":7399254,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":209915,"Other total":0,"Royalties revenue":0,"Net rental income":209915,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":155604971,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":57008871,"Current officers":3934883,"Disqualified persons":0,"Other salaries and wages":37604137,"Pension plan contributions":3480415,"Other employee benefits":8660123,"Payroll taxes":3329313},"Other expenses":{"value":98596100,"Management services":0,"Legal":247952,"Accounting":96750,"Lobbying services":0,"Investment management fees":0,"Other services":357173,"Advertising":2642773,"Office expenses":7743091,"Information technology":5948561,"Royalties":0,"Occupancy":3491610,"Travel":125190,"Conferences and meetings":506506,"Interest":48085014,"Payments to affiliates":0,"Depreciation and depletion":4314681,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":25036799,"PROVISION FOR LOAN LOSS":8300000,"DEPOSIT AND LENDING SERVICES":16736799},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":4530156863,"Non-interest bearing cash":27891127,"Savings and temp cash investments":357348509,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3962091742,"Inventories for sale or use":0,"Prepaid expenses deferred charges":19924706,"Land, building, equipment":65236227,"Investments publicly traded":0,"Investments other":0,"Investments program related":43414228,"Intangible assets":0,"Other assets":54250324},"Liabilities":{"value":3946228546,"Sum of Total Liabilities":0,"Accounts payable, accrued":59501877,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":6153005,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3880573664},"Fund balance":{"value":583928317,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2824032993820864,"percentile":0.8240842737012142},"Liabilities to Assets Ratio":{"score":0.8711019651947978,"percentile":0.06920860556541518},"Operating Reserve Ratio":{"score":29.113188569020714,"percentile":0.9659110406306541},"Officer Compensation Ratio":{"score":0.03219206281012706,"percentile":0.8482808941626249},"Program Expense Growth":{"score":-0.10813109418224831,"percentile":0.1347316754655737},"Revenue Growth":{"score":0.11891534463704063,"percentile":0.8020723708799723},"Asset Growth":{"score":0.0941037615494742,"percentile":0.6680612768715725},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5618530949458936,"percentile":0.4925048741266419}},"source_xml":"201941339349303029_public.xml"},{"Organization":{"value":null,"Person":["B FIELDING ROLSTON","JEFF W ANDERSON","STEVE G CRAWFORD","E WAYNE KIRK","KYLE P MACIONE","LISA A MCCONNELL","NORRIS P SNEED","JENNIFER N WOLFE","OLAN O JONES JR","DAVID W ATKINSON","DARRELL DINSMORE","KELLY PRICE","DEBRA BRIDWELL","GARY TUCKER","CAROL CROSS","CHERIE MONSON","TAMMY LATTURE","THOMAS KENNEDY","LINDA COX","ROBINETTE WILKERSON","DEBORAH C BYERS","DOLLY LINKOUS"],"Title":["CHAIRPERSON, BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS","VICE CHAIRMAN, BOARD OF DIRECTORS","BOARD OF DIRECTORS","SECRETARY, BOARD OF DIRECTORS","TREASURER BOARD OF DIRECTORS","BOARD OF DIRECTORS","BOARD OF DIRECTORS/PRESIDENT/CEO","EXEC VP/CHIEF FINANCIAL OFFICER","VP/INFORMATION TECHNOLOGY","VICE PRESIDENT/OPERATIONS","SVP/MARKETING AND FACILITIES","SVP/GOV AND BUS RELATIONS","VICE PRESIDENT/HUMAN RESOURCES","VICE PRESIDENT/CHIEF COUNSEL","VP/MEMBER SERVICE LENDING","DIRECTOR BUSINESS SERVICES","DIRECTOR FACILITIES & SERVICE CENTER","CONTROLLER","REGIONAL DIRECTOR, OPERATIONS","DIRECTOR MORTGAGE LENDING"],"Hours":[5.0,2.0,2.0,3.0,2.0,2.0,3.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,1188961,519842,379492,378658,352363,298246,288784,321943,362548,222737,200606,196417,202023,215899],"Direct compensation":[0,0,0,0,0,0,0,0,1023226,411695,289403,289007,269529,236570,244908,265383,264047,180402,158565,155600,152919,161647],"Other compensation":[0,0,0,0,0,0,0,0,165735,108147,90089,89651,82834,61676,43876,56560,98501,42335,42041,40817,49104,54252]},"Basic":{"value":null,"mission":"Operated during 2016 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2016,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Olan Jones","year_formation":1934,"state_legal_domicile":"TN","total_volunteers":16,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":728,"Total Gross UBI":1157510,"Net unrelated business taxable income":0,"Number of employees":728,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":151150452,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":150951361,"Total revenue":{"value":150951361,"LOAN INTEREST":116480822,"FEE AND OTHER OPERATING INCOME":30168754,"OTHER INCOME":1235848,"INVESTMENT INCOME":3065937},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":199091,"Other total":0,"Royalties revenue":0,"Net rental income":199091,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":104395864,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":22980442,"Benefits paid to members Total":22980442},"Salaries":{"value":45832995,"Current officers":4090837,"Disqualified persons":0,"Other salaries and wages":29399041,"Pension plan contributions":2466066,"Other employee benefits":7172359,"Payroll taxes":2704692},"Other expenses":{"value":35582427,"Management services":0,"Legal":236022,"Accounting":97703,"Lobbying services":0,"Investment management fees":0,"Other services":274025,"Advertising":2460881,"Office expenses":5115347,"Information technology":4325935,"Royalties":0,"Occupancy":2753368,"Travel":80496,"Conferences and meetings":489692,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4090995,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":15657963,"PROVISION FOR LOAN LOSS":3200000,"DEPOSIT AND LENDING SERVICES":11060321,"TELEPHONE/LEASED EQUIPMENT/POSTAGE":1397642},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":22980442,"Management And General Expenses":81415422,"Fundraising Expenses":0}},"Assets":{"value":3632524675,"Non-interest bearing cash":29620299,"Savings and temp cash investments":348759266,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3055471393,"Inventories for sale or use":0,"Prepaid expenses deferred charges":14803008,"Land, building, equipment":51782732,"Investments publicly traded":0,"Investments other":0,"Investments program related":87560287,"Intangible assets":0,"Other assets":44527690},"Liabilities":{"value":3159537504,"Sum of Total Liabilities":0,"Accounts payable, accrued":44812824,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":3901952,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3110822728},"Fund balance":{"value":472987171,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.22012789702090113,"percentile":0.4525265239702577},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.30932483086454815,"percentile":0.8408872885305927},"Liabilities to Assets Ratio":{"score":0.8697910645300709,"percentile":0.06939500977495482},"Operating Reserve Ratio":{"score":34.795676148625965,"percentile":0.9723369370924198},"Officer Compensation Ratio":{"score":0.04912569141628063,"percentile":0.7611341766513785},"Program Expense Growth":{"score":0.0487613621116476,"percentile":0.5266559325998864},"Revenue Growth":{"score":0.07896687565831167,"percentile":0.7094775229985797},"Asset Growth":{"score":0.08036412922666893,"percentile":0.6297684188215464},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5962577748832456,"percentile":0.594485262428898}},"source_xml":"201731159349300413_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["JEFF ANDERSON","GARY BASS","KRISTIE HAMMONDS","J ANDREW HATFIELD JR","E WAYNE KIRK","KYLE MACIONE","BRIAN MILLER","NORRIS SNEED","JENNIFER STEWART","KELLY PRICE","TONJA FISH","DARRELL DINSMORE","DOLLY LINKOUS","MATT WIMBERLEY","JEREMIAH LOUNDS","RUSSELL AYSCUE","MARK MILLWOOD","MATTHEW SMITH","THOMAS KENNEDY","MICHELLE CLARK","SCOTT DAVIS","JILL ALLEY","CHUCK PERRY","OLAN JONES"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","CHAIRMAN OF THE BOARD (THRU 12/24)","DIRECTOR","SECRETARY/TREASURER","CHAIRMAN OF THE BOARD (AS OF 12/24)","VICE CHAIRMAN OF THE BOARD","PRESIDENT/CEO, DIRECTOR","EVP, CHIEF FINANCIAL OFFICER","EVP, CHIEF ADMINISTRATIVE OFFICER","VP, CHIEF LENDING OFFICER","VP, CHIEF LEGAL & RISK OFFICER","VP, CHIEF OPERATING OFFICER","VP, CHIEF INFORMATION OFFICER","VP, CHIEF HUMAN RESOURCE OFFICER","VP, CHIEF MARKETING/ANALYTICS OFFICER","VP, BUSINESS SERVICES","VP ENTERPRISE RISK MANAGEMENT","VP, CONTROLLER","DIRECTOR, MEMBER CONTACT CENTER","VP, BRANCH OPERATIONS","FORMER PRESIDENT/CEO"],"Hours":[3.0,2.0,1.0,2.0,5.0,2.0,2.0,5.0,2.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,1336392,602269,565318,452890,404600,478390,454055,401807,312627,385822,267184,248756,247793,319226,104931],"Direct compensation":[0,0,0,0,0,0,0,0,0,1237631,542933,502700,399938,346046,419836,393216,343568,263766,321299,224410,204726,201245,277733,104931],"Other compensation":[0,0,0,0,0,0,0,0,0,98761,59336,62618,52952,58554,58554,60839,58239,48861,64523,42774,44030,46548,41493,0]},"Basic":{"value":null,"mission":"Operated during 2016 as a state chartered credit union whose purpose is to be the preferred financial institution in the communities we serve by providing financial products and services which add value to members, guided by credit union co-operative values and service excellence expectations.","year":2024,"name":"EASTMAN CREDIT UNION","phone":4232298200,"website":"WWW.ECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"KELLY PRICE","year_formation":1934,"state_legal_domicile":"TN","total_volunteers":9,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 1989, KINGSPORT, TN, 37662, USA","city":"KINGSPORT","state":"TN","country":"USA","zip_code":37662},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":8,"Number of employees total":1161,"Total Gross UBI":755463,"Net unrelated business taxable income":16960,"Number of employees":1161,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":535980677,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":477914261,"Total revenue":{"value":477914261,"LOAN INTEREST INCOME":396997495,"FEES AND CHARGES":77553393,"ECUTE TITLE SERVICES":2318723,"OTHER INCOME":1044650},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":57958083,"Investment income total":57973617,"Net investment gain":-15534,"Income from invest bond proceeds":0},"Other revenues":{"value":108333,"Other total":0,"Royalties revenue":0,"Net rental income":108333,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":403354283,"Grant expense":{"value":1913703,"Grants to domestic orgs":1913703,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":93916398,"Current officers":5008353,"Disqualified persons":0,"Other salaries and wages":64181704,"Pension plan contributions":6471333,"Other employee benefits":12877379,"Payroll taxes":5377629},"Other expenses":{"value":307524182,"Management services":0,"Legal":189945,"Accounting":164300,"Lobbying services":0,"Investment management fees":0,"Other services":644915,"Advertising":4674372,"Office expenses":6619564,"Information technology":18804800,"Royalties":0,"Occupancy":5741535,"Travel":284630,"Conferences and meetings":656796,"Interest":206219229,"Payments to affiliates":0,"Depreciation and depletion":6913810,"Insurance":469647,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":56140639,"DEPOSIT & LENDING SVCS":29913639,"PROVISION FOR LOAN LOSS":26220000,"UBI TAXES":7000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":9097283047,"Non-interest bearing cash":41893799,"Savings and temp cash investments":1365629461,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":7460848289,"Inventories for sale or use":0,"Prepaid expenses deferred charges":14388118,"Land, building, equipment":103977030,"Investments publicly traded":0,"Investments other":0,"Investments program related":20264045,"Intangible assets":0,"Other assets":90282305},"Liabilities":{"value":7851447210,"Sum of Total Liabilities":0,"Accounts payable, accrued":90821196,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":6962681,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":7753663333},"Fund balance":{"value":1245835837,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.24744622276746742,"percentile":0.7988077068012804},"Liabilities to Assets Ratio":{"score":0.8630540755340312,"percentile":0.07036943265932849},"Operating Reserve Ratio":{"score":22.554075735449672,"percentile":0.9532286002005959},"Officer Compensation Ratio":{"score":0.01631830943022365,"percentile":0.9310872961646302},"Program Expense Growth":{"score":-0.27821390417048036,"percentile":0.06705049952827805},"Revenue Growth":{"score":0.1350488521259886,"percentile":0.8280784948756261},"Asset Growth":{"score":0.10913566689761946,"percentile":0.704630474088034},"Independent Voting Board Pct":{"score":0.8888888888888888,"percentile":0.2330250129411084},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5584237467070591,"percentile":0.4822262614683715}},"source_xml":"202521219349300647_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}