The Tennessee Credit Union
Public records raise at least one point you should look into before giving.
What it says it does
YOUR TRUSTED FINANCIAL PARTNER FOR LIFE. WE ARE COMMITTED TO HONORING TRADITIONAL CREDIT UNION VALUES WHILE UTILIZING INNOVATION TO PROVIDE AN EXCEPTIONAL MEMBER EXPERIENCE.
- Income
- $21.4 million
- Spending
- $20.2 million
- Employees
- 114
- Volunteers
- 10
- Highest pay
- $408,663, ceo
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Financial health
We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Governance
This return does not answer enough of the governance questions to score.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (3)
- 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 SELLS 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, 2025 INCLUDE 7 LOCATIONS, 79 EMPLOYEES, 18,702 MEMBERS, 12,662 LOAN ACCOUNTS AND 33,154 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 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 2025, THE CREDIT UNION PROVIDED $31,904 IN RESOURCES SUCH AS INTERNSHIPS, TRAINING, AND EQUIPMENT FOR THE PROGRAM.
- TEN CREDIT UNION DONATED APPROXIMATELY $22,860 TO 20 DIFFERENT ORGANIZATIONS THROUGHOUT THE COMMUNITY DURING 2025.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(14) credit union.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated November 6, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(14) credit union as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since June 1952.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated November 4, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.