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St Thomas Credit Union

Not tax-deductible

Nashville, TNMutual-benefit / member-servingEIN 62-6047295Revenue $2.7M in FY2024

On file with the IRSstthomascu.org4230 Harding Rd Ste 103, 37205-2013 · Nashville, TNTax-exempt since Jun 1952

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Credit union providing financial service and education to its membership.

Run by 12 volunteers and 11 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
5 of 5
filings with a surplus
Average surplus $204K a year · 11% of revenue · last 5 filings
Looks good: a surplus in 5 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
0%
of spending
Concern: 0% of spending went to programs; under 50%.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$181K
to officers and key staff · 8% of spending
Looks good: pay to officers and key staff is 8% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
12 mo
of spending, in cash
Looks good: 11.8 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$35.0M
89% of total assets
Concern: liabilities are 89% of assets; over 80%.
Pt X · Ln 26
Independent board members
7
of 7 voting members
Looks good: 7 of 7 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$2.7M
+26% vs prior year
Spent
$2.3M
To programs
0%
Net assets
$4.3M
By yearFY2020–FY2024
Revenue
$2.7M
FY2024▲ +26%
Tap a bar for its year
Revenue by fiscal year
FY2020$1.5M
FY2021$1.5M
FY2022$1.6M
FY2023$2.2M
FY2024$2.7M
Expenses
$2.3M
FY2024▲ +24%
Tap a bar for its year
Expenses by fiscal year
FY2020$1.5M
FY2021$1.4M
FY2022$1.4M
FY2023$1.9M
FY2024$2.3M
Net assets
$4.3M
FY2024▲ +11%
Tap a bar for its year
Net assets by fiscal year
FY2020$3.3M
FY2021$3.4M
FY2022$3.6M
FY2023$3.9M
FY2024$4.3M

From the FY2024 Form 990 · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jun 1952.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

9 people listed on the 990; $181K paid to officers and key staff.

Part VII, Section A · reportable compensation
Chloe Nguyen
Vice President
$91,181Pt VII · Sec A
William Dunn
President
$89,464Pt VII · Sec A
John Raphael
Board of Directors-Chairperson
$0Pt VII · Sec A
Robert Poteete
Board of Directors-Vice Chair Person
$0Pt VII · Sec A
John Hubbarb
Board of Directors-Treasurer
$0Pt VII · Sec A
Wanda Hooper
Board of Directors-Seccretary
$0Pt VII · Sec A
Lisa Dillehay
Board of Directors
$0Pt VII · Sec A
Stephanie Gibbs
Board of Directors
$0Pt VII · Sec A

Compensation history total reportable pay by year · 2 named individuals · Part VII

NameFY2024FY2023FY2022FY2021FY2020
Chloe Nguyen$91,181$92,841$75,993$69,742$70,425
William Dunn$89,464$89,000$66,938$64,527$64,483

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes
  • Loans to or from officersSch L · Pt II27 listed

Programs and updates

Offers financial services and education to members.

Questions for St Thomas Credit Union

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Provided by the organization

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1 program · $2.3M · in their own filed words · FY2024
01

Credit union provides financial and educational services to our membership

$2.3Mprogram expense

By the numbers

The FY2024 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$2.7M
Ln 12
Fees for servicesLn 2g$2.3M
Investment incomeLn 3$418K
Money outPt IX
$2.3M
Ln 25
Owns and owesPt X
$4.3M
net assets · Ln 32
Cash and savingsLn 1–2$2.3M
Total assetsLn 16$39.2M
LiabilitiesLn 26$35.0M
PeoplePt VI, VII
9
listed · VII A
PaidVII A2
Voting boardVI 1a7
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$2.3M
Investment incomeLn 3$418K
Total revenueLn 12$2.7M
Assets in detailPt X, end of year
CashLn 1$432K
SavingsLn 2$1.8M
Cash and savings togetherLn 1–2$2.3M
InvestmentsLn 11–13$8.9M
Land, buildings, equipmentLn 10c$61K
Other assetsLn 15$290K
Total assetsLn 16$39.2M
LiabilitiesLn 26$35.0M
Net assetsLn 32$4.3M
OperationsPt I, VI
EmployeesI 511
VolunteersI 612
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$1.5M$2.3M
InvestmentsLn 11–13$8.3M$8.9M
Land, buildings, equipmentLn 10c$55K$61K
Total assetsLn 16$36.3M$39.2M
LiabilitiesLn 26$32.5M$35.0M
Net assetsLn 32$3.9M$4.3M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$181K
Other salaries and wagesLn 7$326K
Pension plan contributionsLn 8$9K
Other employee benefitsLn 9$113K
Payroll taxesLn 10$3K
Legal feesLn 11b$11K
Accounting feesLn 11c$2K
Other fees for servicesLn 11g$368K
Advertising and promotionLn 12$10K
Office expensesLn 13$206K
Information technologyLn 14$63K
OccupancyLn 16$158K
TravelLn 17$3K
Conferences, conventions and meetingsLn 19$7K
InterestLn 20$604K
Payments to affiliatesLn 21$21K
Depreciation, depletion and amortizationLn 22$23K
InsuranceLn 23$24K
Other expenses (24a–d)Ln 24$163K
All other expensesLn 24e$5K
Total functional expensesLn 25$2.3M$0$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest Viewing $2.7M$2.3M$408K$4.3M 990 PDF
FY2023 $2.2M$1.9M$301K$3.9M 990 PDF
FY2022 $1.6M$1.4M$187K$3.6M 990 PDF
FY2021 $1.5M$1.4M$92K$3.4M 990 PDF
FY2020 $1.5M$1.5M$34K$3.3M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2024 990 (6 parts)
Part I · Summary $2,709,333 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $1,890,103$2,291,324
I-10 Investment incomePrior year $264,207$418,009
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $2,154,310$2,709,333
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $586,864$631,847
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $1,266,578$1,669,508
I-18 Total expensesPrior year $1,853,442$2,301,355
I-19 Revenue less expensesPrior year $300,868$407,978
Part VI · Governance 7 of 7 board members independent, no flags
VI-1a Voting members of the governing body7
VI-1b Independent voting members7
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $2,709,333 across 5 lines filed
VIII-1h Total contributions, gifts and grants$0
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $2,291,324 · Unrelated business $0 · Excluded from tax $0$2,291,324
VIII-3 Investment incomeRelated to mission $418,009 · Unrelated business $0 · Excluded from tax $0$418,009
VIII-5 RoyaltiesRelated to mission $0 · Unrelated business $0 · Excluded from tax $0$0
VIII-12 Total revenueRelated to mission $2,709,333 · Unrelated business $0 · Excluded from tax $0$2,709,333
Part IX · Statement of functional expenses $2,301,355 across 20 lines filed
IX-5 Pay of current officers, directors and key staff$180,645
IX-7 Other salaries and wages$326,121
IX-8 Pension plan contributions$8,978
IX-9 Other employee benefits$112,632
IX-10 Payroll taxes$3,471
IX-11b Legal fees$11,404
IX-11c Accounting fees$2,158
IX-11g Other fees for services$368,152
IX-12 Advertising and promotion$9,728
IX-13 Office expenses$206,246
IX-14 Information technology$62,558
IX-16 Occupancy$158,468
IX-17 Travel$3,427
IX-19 Conferences, conventions and meetings$6,820
IX-20 Interest$604,274
IX-21 Payments to affiliates$20,965
IX-22 Depreciation, depletion and amortization$23,491
IX-23 Insurance$23,585
IX-24 Other expenses (24a–d)$163,119
IX-24e All other expenses$5,113
IX-25 Total functional expensesPrograms $0 · Management $0 · Fundraising $0$2,301,355
Part X · Balance sheet $39,235,707 assets, 15 lines filed
Asset lines not itemized here account for $27,484,679; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $411,244$432,328
X-2 Savings and temporary cash investmentsStart of year $1,060,429$1,826,886
X-3 Pledges and grants receivableStart of year $0$0
X-4 Accounts receivableStart of year −$112,079−$39,318
X-9 Prepaid expenses and deferred chargesStart of year $222,186$267,871
X-10c Land, buildings and equipment, netStart of year $54,849$61,332
X-11 Publicly traded securitiesStart of year $0$0
X-12 Other securitiesStart of year $8,316,479$8,911,479
X-15 Other assetsStart of year $284,154$290,450
X-16 Total assetsStart of year $36,326,618$39,235,707
X-17 Accounts payable and accrued expensesStart of year $324,967$425,419
X-25 Other liabilitiesStart of year $32,142,930$34,543,449
X-26 Total liabilitiesStart of year $32,467,897$34,968,868
X-32 Total net assets or fund balancesStart of year $3,858,721$4,266,839
X-33 Total liabilities and net assetsStart of year $36,326,618$39,235,707
Part XI · Reconciliation of net assets $4,266,839 net assets at year end
XI-1 Total revenue$2,709,333
XI-2 Total expenses$2,301,355
XI-3 Revenue less expenses$407,978
XI-4 Net assets at start of year$3,858,721
XI-5 Net unrealized gains (losses) on investments$0
XI-6 Donated services and use of facilities$0
XI-7 Investment expenses$0
XI-8 Prior period adjustments$0
XI-9 Other changes in net assets$140
XI-10 Net assets at end of year$4,266,839

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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