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SMART CHOICE CREDIT UNION

EIN 57-1135349 CLEVELAND, TN

Browse the largest nonprofits in Tennessee

Revenue 2024
$226,278
Expenses 2024
$220,355

Program services were 100.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Classification
1000
Street
1075 BLYTHE AVE SE

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 · 2024

Mission

provide credit union services to community development population

  • credit uniom services

    Expenses $220,355 · Revenue $226,278

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Denis Collins

    president

    Total calculated
    $0
    Hours/week
    40

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

  • 2024
    Revenue
    $226,278
    Expenses
    $220,355
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $215,201
    Expenses
    $200,814
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $162,354
    Expenses
    $191,170
    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
    $174,284
    Expenses
    $165,407
    Assets (EOY)
    $3,959,587
  • 2019 · 990

    Revenue
    $191,510
    Expenses
    $179,537
    Assets (EOY)
    $3,530,459
  • 2018 · 990

    Revenue
    $195,799
    Expenses
    $174,502
    Assets (EOY)
    $3,345,960
  • 2017 · 990

    Revenue
    $218,654
    Expenses
    $187,824
    Assets (EOY)
    $3,411,878
  • 2016 · 990

    Revenue
    $198,724
    Expenses
    $184,238
    Assets (EOY)
    $2,960,308
  • 2015 · 990

    Revenue
    $193,459
    Expenses
    $164,774
    Assets (EOY)
    $2,597,853
  • 2014 · 990

    Revenue
    $198,917
    Expenses
    $171,241
    Assets (EOY)
    $2,052,005
  • 2013 · 990

    Revenue
    $166,640
    Expenses
    $163,193
    Assets (EOY)
    $1,997,404
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $158,356
    Assets (EOY)
    $2,102,403
  • 2011 · 990

    Revenue
    not reported
    Expenses
    $163,418
    Assets (EOY)
    $2,076,060

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 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.