2016-08-15T13:48:45-07:00 2015-12-31 990 2015-01-01 620577184 Collegedale Credit Union COLL 4233962101 PO Box 2098 Collegedale TN 37315 Errol Eder General Manager 4233962101 2016-08-15 2015 2016-09-27 15:27:22Z X Errol Eder PO Box 2098 Collegedale TN 37315 1574372 0 1182 X www.collegedale.org X 1952 TN Financial Services 8 8 26 8 11482 0 0 0 1078734 1024459 89815 147282 432707 369003 1601256 1540744 0 0 0 0 634175 630551 0 0 0 916959 889008 1551134 1519559 50122 21185 37769625 41215231 34134134 37558555 3635491 3656676 Financial Services 0 0 1519559 0 1024459 Mutual Membership Benefits Programs, General/Other: Provided financial services in the form of loans which earned interest. 0 0 0 1519559 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 X 581 0 1 26 1 1 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 0 0 0 X Kristal Cloutier 4233962596 5046 University Drive Collegedale TN 37315 X David Ruhling Board Chairman 5 0 X X 0 0 0 Olson Perry Secretary 3 0 X X 0 0 0 Paul G Smith Board Member 2 0 X 0 0 0 Inelda Hefferlin Board Member 2 0 X 0 0 0 Richard Erickson Vice Chairman 4 0 X X 0 0 0 Cindy McCaughan Treasurer 3 0 X X 0 0 0 John Beckett Board Member 2 0 X 0 0 0 Parlia Archie Moore Board Member 2 0 X 0 0 0 Errol Eder General Manager 40 0 X 75049 0 3969 Kristal Cloutier Controller 40 0 X 51743 0 5665 126792 0 9634 0 0 0 0 FISERV 75 Remittance Dr Ste 6974 Chicago IL 606756974 Data Processing 301451 1 0 Loan Interest Income 522130 1024459 1024459 0 0 0 0 0 0 1024459 158646 158646 0 0 0 0 0 0 0 0 0 0 0 0 0 22264 0 33628 0 -11364 -11364 -11364 0 0 Card Income 522130 169695 158213 11482 0 Share Draft / ACH Income 522130 109213 109213 0 0 Loan Fee Income 522130 55561 55561 0 0 34534 34534 0 0 369003 1540744 1529262 11482 0 0 0 0 0 136426 0 407163 1888 44477 40597 0 813 20615 0 0 0 28352 18855 76478 311282 0 64985 2995 0 3846 97198 0 28448 27021 Miscellaneous 92901 Loan Services 50219 Bad Debts 65000 0 1519559 0 0 0 381839 419395 12035805 15245207 0 0 26044 46391 139835 0 0 0 18775446 17527375 0 0 56286 42628 961960 427193 534155 534767 0 0 0 0 5697575 7219060 0 0 122640 180408 37769625 41215231 187868 165785 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33946266 37392770 34134134 37558555 X 0 0 0 0 3635491 3656676 3635491 3656676 37769625 41215231 21185 0 0 0 0 0 X 1 X 1 X 1 0 0 446899 446899 0 0 0 0 0 10085 10080 5 0 500686 416762 83924 0 4290 351 3939 534767 36 Month CDs 1488000 C 42 Month CDs 250000 C 60 Month CDs 3955000 C 85 Month CDs 495000 C 120 Month CDs 490000 C NCUA Insurance 313688 C VCCU Perpetual Membership Shares 227372 C 7219060 1576 Share Drafts 11927358 Regular Shares 14514219 All Other Shares & Deposits 10949617 37392770 1540744 0 0 0 0 0 1540744 0 0 0 1540744 1519559 0 0 0 0 0 1519559 0 0 0 1519559 Form 990, Part V, Line 3b Told by independent auditors that we are exempt from filing 990T. Form 990, Part VI, Section A, Line 6 We had 5,280 members at 12/31/15. Form 990, Part VI, Section A, Line 7a Our Board members are approved by a nominating committee of five members. It is composed of three members and two Board members. The membership is notified of these selections by mail. The members are then able to nominate their own candidate if they so desire to have an election. Form 990, Part VI, Section A, Line 7b Mergers, restructuring, and removal of Board members are all decisions which require the approval of membership. Form 990, Part VI, Section B, Line 11b The General Manager reviews the form after being completed by the Controller. He compares current year to last year's filing. Form 990, Part VI, Section B, Line 12c When conflicts of interest arise, they are addressed on an individual basis. The Board of Directors documents when action is taken. Form 990, Part VI, Section C, Line 19 Governing documents and conflict of interest policies are available upon request. The audited financial statements are made available at our annual meeting in February. Copies of our annual report are available in our lobby or upon request. N/A - Filed an extension