Consumer Credit Union
Nonprofit profile at a glance
- EIN
- 620962107
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Greeneville, TN, USA
- Phone
- 4236396131
- Rating
- 46
- Verdict
- MIXED
- Rating confidence
- Moderate
Reported finances
- Revenue
- $29,887,391
- Expenses
- $24,742,498
- Assets
- $647,283,591
- Liabilities
- $587,785,035
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
14 people listed
Executive titles in this filing
- AMANDA KILDAY (PRESIDENT)
Highest reported compensation
- AMANDA KILDAY (PRESIDENT): $501,906 total reported compensation
- BRIAN ALLEN (EVP/CHIEF INFORMATION OFFICER/COMPLIANCE): $231,670 total reported compensation
- SUSAN ACUFF (SVP/CFO): $230,810 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Provide financial services for members (31,119 as of 12/31/25) including loans, savings and checking accounts, certificates of deposits, iras, ect. Also provide other services such as atm/debit cards, credit cards, money orders, and lock boxes.
What it reported doing in 2025
Provide financial services for members in the form of loans, savings and checking accounts, certificates of deposits, iras ect. Also provide other services such as atm/debit cards, credit cards, money orders, and lock boxes. (31,119 members as of 12/31/25)
Operating model
- Revenue model
- Other-operating. 89% of the money available for current operations came from other operating revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
MIXED - The filed numbers largely add up and most voting board members are independent. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.
Rating breakdown
- Financial Efficiency: 0
- Transparency & Controls: 77
- Accountability: 80
- Sustainability: 69
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 0%; rating input score 0
- Program expense ratio: 0%; rating input score 0
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 88.9%; rating input score 89; 17th percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 67
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Fail
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 17.2%; rating input score 72; 72nd percentile among comparable filings
- Total-asset coverage ratio: 26.16; rating input score 97; 97th percentile among comparable filings
- Liabilities to assets ratio: 0.91; rating input score 6; 6th percentile among comparable filings
- Officer compensation ratio: 6.1%; rating input score 49; 49th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 6.5% per year; rating input score 100; 54th percentile among comparable filings
- Asset growth: 6.4% per year; rating input score 100; 45th percentile among comparable filings
Details
- Where the money goes: 0% of revenue deployed · 0% of spending went to programs
- Governance: 8 of 9 board members independent · 6 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $502K · 14 people listed · 3 of 6 pay-setting controls reported
- Consistency: 13 of 14 current checks pass · 1 finding to review
- Schedules: 3 filed schedules · includes executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 6 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Mission deployment rate scored 0/100.
- High — Financial Efficiency: Program expense ratio scored 0/100.
- Review — Accountability: Governance controls: 3 of 9 not reported.
- Moderate — Transparency & Controls: Functional expense sum did not reconcile in the filed values.
- High — Sustainability: Liabilities to assets ratio scored 6/100.
- Moderate — Sustainability: Officer compensation ratio scored 49/100.