NASHVILLE, TN
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)TEN CREDIT UNION, founded in 1950, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $22.9M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $21.9M left a modest 5% surplus.
YOUR TRUSTED FINANCIAL PARTNER FOR LIFE. WE ARE COMMITTED TO HONORING TRADITIONAL CREDIT UNION VALUES WHILE UTILIZING INNOVATION TO PROVIDE AN EXCEPTIONAL MEMBER EXPERIENCE.
AT 12/31/24, TEN CREDIT UNION (TENCU) HAS 7 LOCATIONS COVERING A WIDE GEOGRAPHIC AREA OF MIDDLE AND EAST TENNESSEE. TTCU OFFERS A WIDE RANGE OF CONSUMER CREDIT AND DEPOSIT PRODUCTS & SERVICES. THESE...
AT 12/31/24, TEN CREDIT UNION (TENCU) HAS 7 LOCATIONS COVERING A WIDE GEOGRAPHIC AREA OF MIDDLE AND EAST TENNESSEE. TTCU OFFERS A WIDE RANGE OF CONSUMER CREDIT AND DEPOSIT PRODUCTS & SERVICES. THESE INCLUDE CREDIT CARDS, SECURED AND UNSECURED TERM AND REVOLVING LOANS, RESIDENTIAL CONSTRUCTION AND PERMANENT MORTGAGE LENDING. TEN CREDIT UNION RETAINS MOST MORTGAGE LOANS BUT OCCASIONALLY SELL MORTGAGES TO ROCKET MORTGAGE AND OTHER 3RD PARTY AFFILIATES. TEN CREDIT UNION ENTERED INTO A COMMITMENT WITH METRO AND RETAINS SERVICING. TEN CREDIT UNION PROVIDES VALUE SERVICES INCLUDING "SUMMER PAY" PROGRAMS, AND SEASONAL SAVINGS ACCOUNTS SUCH AS CHRISTMAS AND VACATION CLUB SAVINGS TO AID OUR MEMBERS IN MANAGING THEIR BUDGETS AND ACHIEVING THEIR FINANCIAL THRIFT OBJECTIVES. KEY DATA AS OF DECEMBER 31, 2024 INCLUDE 7 LOCATIONS, 79 EMPLOYEES, 19,633 MEMBERS, 13,531 LOAN ACCOUNTS AND 35,058 DEPOSIT ACCOUNTS.
TEN CREDIT UNION ENTERED INTO A COMMITMENT WITH METRO NASHVILLE BOARD OF EDUCATION TO ESTABLISH, PROVIDE EQUIPMENT, FURNISHINGS, EDUCATIONAL TRAINING, AND OPERATIONAL SUPPORT FOR THE ANTIOCH HIGH...
TEN CREDIT UNION ENTERED INTO A COMMITMENT WITH METRO NASHVILLE BOARD OF EDUCATION TO ESTABLISH, PROVIDE EQUIPMENT, FURNISHINGS, EDUCATIONAL TRAINING, AND OPERATIONAL SUPPORT FOR THE ANTIOCH HIGH SCHOOL'S "TEN CREDIT UNION ACADEMY OF BUSINESS AND FINANCE." ADDITIONALLY, TEN CREDIT UNION PROVIDES PAID SUMMER INTERNSHIPS TO WORTHY STUDENTS, TRAINING THEM IN OPERATING A LIMITED-SERVICE CREDIT UNION AT THE SCHOOL. TEN CREDIT UNION IS THE SOLE FINANCIAL SPONSOR FOR THE STUDENTS, TRAINING THEM IN OPERATING A LIMITED-SERVICE CREDIT UNION AT THE SCHOOL. DURING 2024, THE CREDIT UNION PROVIDED $52,798 IN RESOURCES SUCH AS INTERNSHIPS, TRAINING, AND EQUIPMENT FOR THE PROGRAM.
TEN CREDIT UNION DONATED TO ELEVEN DIFFERENT ORGANIZATIONS IN 2024 THAT TOTALED TO $16,900.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $22,886,724 | $19,477,558 | +0.2% |
| Expenses | $21,851,509 | $19,244,298 | +0.1% |
| Net Income | $1,035,215 | $233,260 | +3.4% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| CHRIS HENSON | CHAIRPERSON | 3.00 |
Director
|
$0 | $0 | $0 |
| CHRISTINA ADKISON | VICE CHAIRPERSON | 3.00 |
Director
|
$0 | $0 | $0 |
| DOROTHY GUNN | SECRETARY | 3.00 |
Director
|
$0 | $0 | $0 |
| ROBERT NELSON | TREASURER | 3.00 |
Director
|
$0 | $0 | $0 |
| SCOTT MELTZER | DIRECTOR | 3.00 |
Director
|
$0 | $0 | $0 |
| ROBERT CHURCHWELL | DIRECTOR | 3.00 |
Director
|
$0 | $0 | $0 |
| NEAL SMITH | DIRECTOR | 3.00 |
Director
|
$0 | $0 | $0 |
| ALICIA FRIERSON | SUPERVISORY COMMITTEE | 2.00 |
Director
|
$0 | $0 | $0 |
| ADAM SALVADOR | SUPERVISORY COMMITTEE | 2.00 |
Director
|
$0 | $0 | $0 |
| RAFAEL RONDON | CEO | 45.00 |
Officer
|
$367,992 | $45,468 | $413,460 |
| ANDRES LLANOS | CFO | 45.00 |
Officer
|
$273,729 | $37,394 | $311,123 |
| MICHAEL ROUSSEL | CTMO | 45.00 |
Highest
|
$177,500 | $20,266 | $197,766 |
| MARIA EDWARDS | COO | 45.00 |
Highest
|
$156,058 | $24,118 | $180,176 |
| THOMAS G'FELLERS | CLO | 45.00 |
Highest
|
$150,660 | $34,389 | $185,049 |
| KUSSILLA KHEMRAJ | CCO | 45.00 |
Highest
|
$156,193 | $4,732 | $160,925 |
| FLAVIS BURROUGHS | VP REAL ESTATE LENDING | 45.00 |
Highest
|
$162,336 | $10,548 | $172,884 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $22,886,724 | $21,851,509 | $403,502,042 | $1,035,215 |
| 2023 | $19,477,558 | $19,244,298 | $430,778,750 | $233,260 |
| 2022 | $14,793,248 | $15,212,498 | $407,626,939 | $-419,250 |
| 2021 | $12,031,552 | $12,127,904 | $408,777,901 | $-96,352 |
| 2020 | $12,277,095 | $13,224,045 | $374,950,219 | $-946,950 |
| 2019 | $14,109,022 | $12,706,215 | $317,012,353 | $1,402,807 |
| 2018 | $13,693,012 | $11,635,850 | $314,996,959 | $2,057,162 |
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