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SOUTHERN CREDIT UNION

EIN 62-0365265 CHATTANOOGA, TN

Revenue 2025
$882,616
Expenses 2025
$984,289

Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Classification
1000
Street
508 NATIONAL AVE

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE (EIN 62-6074998). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Mission and programs · 2025

Mission

CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 1,642 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.

Activities or mission (Part I)

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

  • THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERES.

    Expenses $733,232

  • THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.

    Expenses $251,057

  • CUNA PROGRAM GRANT MADE IN 2017 FOR 2,500.

As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Cindy D Beale

    CEO

    Total calculated
    $101,559
    From this org
    $77,669
    From related orgs
    $0
    Other
    $23,890
    Hours/week
    40
  • Danny E Holmes

    BOD VICE-PRE

    Total calculated
    $0
    Hours/week
    1
  • Clifford L Lowrance

    BOD/SC MEM

    Total calculated
    $0
    Hours/week
    1
  • Sandy Wallis

    BOD CO-CH/SC

    Total calculated
    $0
    Hours/week
    1
  • Stephen L Evans

    BOARD CO-CHA

    Total calculated
    $0
    Hours/week
    1
  • Joanie Murphey-Cope

    BOD/SEC/TREA

    Total calculated
    $0
    Hours/week
    1
  • Greg M O'Neal

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Sam Huff

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • John Born

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Rob Beasley

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Theodore Jackson

    SUPERVISORY

    Total calculated
    $0
    Hours/week
    1

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. Earlier years are each on their own filing page.

Filings

  • 2025
    Revenue
    $882,616
    Expenses
    $984,289
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $908,776
    Expenses
    $1,006,402
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $452,172
    Expenses
    $902,710
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $762,172
    Expenses
    $809,766
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $750,608
    Expenses
    $744,924
    Assets (EOY)
    $26,411,955
  • 2020 · 990

    Revenue
    $727,539
    Expenses
    $815,803
    Assets (EOY)
    $22,892,053
  • 2019 · 990

    Revenue
    $909,309
    Expenses
    $884,563
    Assets (EOY)
    $20,373,992
  • 2018 · 990

    Revenue
    $909,682
    Expenses
    $897,582
    Assets (EOY)
    $21,380,321
  • 2017 · 990

    Revenue
    $874,304
    Expenses
    $843,652
    Assets (EOY)
    $22,011,027
  • 2016 · 990

    Revenue
    $890,940
    Expenses
    $882,829
    Assets (EOY)
    $22,027,609
  • 2015 · 990

    Revenue
    $930,597
    Expenses
    $910,006
    Assets (EOY)
    $21,199,824
  • 2014 · 990

    Revenue
    $957,480
    Expenses
    $898,482
    Assets (EOY)
    $20,451,958
  • 2013 · 990

    Revenue
    $990,454
    Expenses
    $946,849
    Assets (EOY)
    $20,093,096
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $938,010
    Assets (EOY)
    $19,865,461

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 29 October 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.