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        <TotalAmt>72557</TotalAmt>
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        <Desc>Loan &amp; Fraudulent Losses</Desc>
        <TotalAmt>322461</TotalAmt>
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      <OtherExpensesGrp>
        <Desc>Miscellaneous Expenses</Desc>
        <TotalAmt>11659</TotalAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <PrepaidExpensesDefrdChargesGrp>
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        <EOYAmt>2525716</EOYAmt>
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        <EOYAmt>73754086</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
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        <EOYAmt>2947254</EOYAmt>
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      <PdInCapSrplsLandBldgEqpFundGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <RtnEarnEndowmentIncmOthFndsGrp>
        <BOYAmt>8733927</BOYAmt>
        <EOYAmt>10009346</EOYAmt>
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      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>11549845</BOYAmt>
        <EOYAmt>12956600</EOYAmt>
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      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>80324321</BOYAmt>
        <EOYAmt>86710686</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>1286719</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>120036</NetUnrlzdGainsLossesInvstAmt>
      <DonatedServicesAndUseFcltsAmt>0</DonatedServicesAndUseFcltsAmt>
      <InvestmentExpenseAmt>0</InvestmentExpenseAmt>
      <PriorPeriodAdjustmentsAmt>0</PriorPeriodAdjustmentsAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>1</AccountantCompileOrReviewInd>
      <AcctCompileOrReviewBasisGrp>
        <ConsolidatedBasisFinclStmtInd>X</ConsolidatedBasisFinclStmtInd>
      </AcctCompileOrReviewBasisGrp>
      <FSAuditedInd>1</FSAuditedInd>
      <FSAuditedBasisGrp>
        <ConsolidatedBasisFinclStmtInd>X</ConsolidatedBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>0</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>0</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleD documentId="R000002" softwareId="24021167" softwareVersionNum="v1.00">
      <LandGrp>
        <InvestmentCostOrOtherBasisAmt>0</InvestmentCostOrOtherBasisAmt>
        <OtherCostOrOtherBasisAmt>552301</OtherCostOrOtherBasisAmt>
        <BookValueAmt>552301</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <InvestmentCostOrOtherBasisAmt>0</InvestmentCostOrOtherBasisAmt>
        <OtherCostOrOtherBasisAmt>2659310</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>1119920</DepreciationAmt>
        <BookValueAmt>1539390</BookValueAmt>
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      <LeaseholdImprovementsGrp>
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        <OtherCostOrOtherBasisAmt>0</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>0</DepreciationAmt>
        <BookValueAmt>0</BookValueAmt>
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      <EquipmentGrp>
        <InvestmentCostOrOtherBasisAmt>0</InvestmentCostOrOtherBasisAmt>
        <OtherCostOrOtherBasisAmt>747273</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>668263</DepreciationAmt>
        <BookValueAmt>79010</BookValueAmt>
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      <OtherLandBuildingsGrp>
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        <OtherCostOrOtherBasisAmt>0</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>0</DepreciationAmt>
        <BookValueAmt>0</BookValueAmt>
      </OtherLandBuildingsGrp>
      <TotalBookValueLandBuildingsAmt>2170701</TotalBookValueLandBuildingsAmt>
      <InvstProgramRelatedOrgGrp>
        <Desc>Bank Certificates of Deposit</Desc>
        <BookValueAmt>16263000</BookValueAmt>
        <MethodValuationCd>C</MethodValuationCd>
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      <InvstProgramRelatedOrgGrp>
        <Desc>Federal Agency Securities</Desc>
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        <MethodValuationCd>F</MethodValuationCd>
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      <InvstProgramRelatedOrgGrp>
        <Desc>Volunteer Corporate Credit Union</Desc>
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        <MethodValuationCd>C</MethodValuationCd>
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      <FederalIncomeTaxLiabilityAmt>0</FederalIncomeTaxLiabilityAmt>
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      <OtherLiabilitiesOrgGrp>
        <Desc>Member Sharedrafts</Desc>
        <Amt>11396138</Amt>
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      <OtherLiabilitiesOrgGrp>
        <Desc>Member Money Markets</Desc>
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        <Desc>Member Certificates of Deposit</Desc>
        <Amt>17823763</Amt>
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      <OtherLiabilitiesOrgGrp>
        <Desc>Member IRA Certificates of Deposit</Desc>
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      <OtherLiabilitiesOrgGrp>
        <Desc>Member Club Account Deposits</Desc>
        <Amt>1063854</Amt>
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    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="R000003" softwareId="24021167" softwareVersionNum="v1.00">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>Form 990, Part VI, Section A, Line 6 - Credit Union Members (owners) only.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>Form 990, Part VI, Section A, Line 7a - Credit Union Members (owners) elect governing body at the Annual Meeting.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>Form 990, Part VI, Section B, Line 11b - Form 990 is available to the governing body, the the independent auditors, and to the State of Tennessee regulators.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>Form 990, Part VI, Section B, Line 12c - Monitored &amp; reported to the governing body by the President/CEO at each monthly meeting.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 15</FormAndLineReferenceDesc>
        <ExplanationTxt>Form 990, Part VI, Section B, Line 15c - Compensation obtained from surveys among peer groups and from the Tennessee Credit Union League. Approval is obtained from the governing body.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>Form 990, Part VI, Section C, Line 19 - All documents, policies, &amp; statements are made available to the Members (owners) upon request.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>