CONSUMER CREDIT UNION

EIN: 620962107

GREENEVILLE, TN

Total Revenue
$29,887,391
Total Expenses
$24,742,498
Total Assets
$647,283,591
Net Assets
$59,498,556
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1953
Legal Domicile
TN
Principal Officer
AMANDA KILDAY
Phone
4236396131
Tax Period
2025-01-01 to 2025-12-31

CONSUMER CREDIT UNION, founded in 1953, is a mid-sized nonprofit that reported $29.9M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.1M, a strong 17% operating margin.

Mission

FINANCIAL SERVICES

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $22,262,252
Investment Income $3,185,885
Other Revenue $4,439,254
TOTAL REVENUE $29,887,391

Expense Breakdown

Grants Paid $0
Salaries & Benefits $6,728,102
Fundraising Expenses $0
Program Expenses $0
Other Expenses $18,014,396
TOTAL EXPENSES $24,742,498

Year-over-Year Comparison

2025 2024 Change
Revenue $29,887,391 $27,294,510 +0.1%
Expenses $24,742,498 $25,260,357 0.0%
Net Income $5,144,893 $2,034,153 +1.5%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

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

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Governance

Voting Members
9
Independent Members
8
Employees
104
Volunteers
8

Governance Policies

✓ Conflict of Interest Policy
✗ Whistleblower Policy
✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
4
$501,906
Total Directors
9
$501,906
Key Employees
1
$501,906
Highest Compensated
6
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
AMANDA KILDAY PRESIDENT 40
Officer Director Key Emp Highest
$501,906 $0 $501,906
BRIAN ALLEN EVP/CHIEF INFORMATION OFFICER/COMPLIANCE 40
Highest
$231,670 $0 $231,670
SUSAN ACUFF SVP/CFO 40
Highest
$230,810 $0 $230,810
DANIEL HAWK SVP/COMMERCIAL LENDING 40
Highest
$197,965 $0 $197,965
STEPHEN CUTSHALL CHIEF MORTGAGE OFFICER/EXECUTIVE COMPLIANCE OFFICER 40
Highest
$182,989 $0 $182,989
KATHERINE MCCORMICK SVP OF FINANCE 40
Highest
$171,201 $0 $171,201
MARCIA WHALEY BOARD CHAIRMAN 0
Officer Director
$0 $0 $0
JUDY DAVIS BOARD MEMBER 0
Director
$0 $0 $0
BRIAN COOK BOARD MEMBER 0
Director
$0 $0 $0
BURTON GOOGE BOARD MEMBER 0
Director
$0 $0 $0
GEORGE HARRIS BOARD VICE CHAIRMAN 0
Officer Director
$0 $0 $0
HEATHER PATCHETT BOARD MEMBER 0
Director
$0 $0 $0
CYNTHIA PECTOL BOARD MEMBER SECRETARY 0
Officer Director
$0 $0 $0
LARRY COUGHLIN BOARD MEMBER 0
Director
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $29,887,391 $24,742,498 $647,283,591 $5,144,893
2024 $27,294,510 $25,260,357 $618,912,601 $2,034,153
2023 $26,237,078 $22,167,798 $628,277,279 $4,069,280
2022 $20,055,124 $16,324,737 $603,731,277 $3,730,387
2021 $15,832,085 $14,271,617 $557,161,210 $1,560,468
2020 $16,857,145 $15,683,565 $542,664,942 $1,173,580
2019 $17,658,027 $15,587,250 $490,308,341 $2,070,777
2018 $16,266,810 $14,027,912 $450,881,230 $2,238,898
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