Us Community Credit Union

Nonprofit profile at a glance

EIN
620517615
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Nashville, TN, USA
Phone
6152568712
Rating confidence
Limited

Official website

Reported finances

Revenue
$22,908,081
Expenses
$20,171,505
Assets
$335,363,445
Liabilities
$299,431,855

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

17 people listed

Executive titles in this filing

  • BEN JOHNSON (CEO)

Highest reported compensation

  • BEN JOHNSON (CEO): $435,779 total reported compensation
  • KAMERAN LAUX (CFO): $375,541 total reported compensation
  • GREGORY BRENT (CRO): $271,543 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

We'll always be there with excellent knowledge and outstanding service. Whenever you need us, we'll be here. Us community credit union, "values you can trust."

What it reported doing in 2025

The organization employed a dedicated team of financial professionals to deliver high-quality member services and maintain operational integrity. Salaries supported a wide range of activities essential to the credit union's exempt purpose, including account management, lending services, financial education, member support, regulatory compliance, and community outreach. Compensation also covered staff involved in digital banking, loan processing, and branch operations, ensuring members had access to convenient, secure, and personalized financial services.

Operating model

Revenue model
Earned-program. 76% of the money available for current operations came from fees and other program 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

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 88
  • Accountability: 95
  • Sustainability: 59
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 5 of 6 controls in place; rating input score 83
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Missing
    • Written employment contract: Pass
    • 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: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 8 of 9 controls in place; rating input score 89
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 11.9%; rating input score 62; 62nd percentile among comparable filings
  • Total-asset coverage ratio: 16.63; rating input score 91; 91st percentile among comparable filings
  • Liabilities to assets ratio: 0.89; rating input score 7; 7th percentile among comparable filings
  • Officer compensation ratio: 10.6%; rating input score 22; 22nd percentile among comparable filings

Growth

  • Program expense growth: 5.3% per year; rating input score 100; 42nd percentile among comparable filings
  • Revenue growth: 6.3% per year; rating input score 100; 52nd percentile among comparable filings
  • Asset growth: 6.6% per year; rating input score 100; 48th percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 7 of 7 board members independent · 8 of 9 filing controls reported
  • Programs: 3 filed program accomplishments
  • Leadership: top reported pay $436K · 17 people listed · 5 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $2.8M reported
  • Consistency: 12 of 12 current checks pass
  • Schedules: 4 filed schedules · includes executive pay
  • Filing history: 15 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 22 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.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: Form 990 shared with the board not reported.
  • High — Sustainability: Liabilities to assets ratio scored 7/100.
  • High — Sustainability: Officer compensation ratio scored 22/100.