Greater Eastern Credit Union
Nonprofit profile at a glance
- EIN
- 620731807
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Johnson City, TN, USA
- Phone
- 4232834300
- Rating
- 49
- Verdict
- MIXED
- Rating confidence
- Moderate
Reported finances
- Revenue
- $3,554,310
- Expenses
- $3,487,924
- Assets
- $56,546,787
- Liabilities
- $48,613,102
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
7 people listed
Executive titles in this filing
- SAMANTHA CANTRELL (CEO)
Highest reported compensation
- SAMANTHA CANTRELL (CEO): $128,517 total reported compensation
- TRACY FIELDS (COO): $117,587 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Credit union - to provide services for approximately 4,020 members in the form of loans, savings, and other financial services.
What it reported doing in 2025
The credit union provided a variety of deposit services for its members.
Operating model
- Revenue model
- Earned-program. 77% of the money available for current operations came from fees and other program revenue.
- Distribution model
- No current program activity. The filing reports no program spending for the current year.
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: 90
- Accountability: 82
- Sustainability: 49
- 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; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 5 of 9 controls in place; rating input score 56
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- 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: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 1.9%; rating input score 33; 33rd percentile among comparable filings
- Total-asset coverage ratio: 16.21; rating input score 92; 92nd percentile among comparable filings
- Liabilities to assets ratio: 0.86; rating input score 6; 6th percentile among comparable filings
- Officer compensation ratio: 7.1%; rating input score 45; 45th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 4.3% per year; rating input score 100; 32nd percentile among comparable filings
- Asset growth: 1.1% per year; rating input score 100; 14th percentile among comparable filings
Details
- Where the money goes: 0% of revenue deployed · 0% of spending went to programs
- Governance: 5 of 5 board members independent · 5 of 9 filing controls reported
- Programs: 2 filed program accomplishments · $3.5M in reported program spending
- Leadership: top reported pay $129K · 7 people listed
- Consistency: 21 of 21 current checks pass
- Schedules: 2 filed schedules
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 2 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 8 not reported.
- Moderate — Sustainability: Operating margin scored 33/100.
- High — Sustainability: Liabilities to assets ratio scored 6/100.
- Moderate — Sustainability: Officer compensation ratio scored 45/100.