2026-07-27T16:07:30-05:00 2025-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVE STE 303 MIAMI FL 33193 990 2025-01-01 620517615 US COMMUNITY CREDIT UNION USCO 6152568712 PO BOX 140570 NASHVILLE TN 37214 BEN JOHNSON PRESIDENT 6152568712 2026-07-18 AUBREY CLEGG P01076395 3052328272 2025 2025-03-06 01:10:19Z BEN JOHNSON PO BOX 140570 NASHVILLE TN 37214 22979260 0 X WWW.USCCU.ORG X 1949 TN WE'LL ALWAYS BE THERE WITH EXCELLENT KNOWLEDGE AND OUTSTANDING SERVICE. WHENEVER YOU NEED US, WE'LL BE HERE. US COMMUNITY CREDIT UNION, "VALUES YOU CAN TRUST." 7 7 108 7 56600 0 0 0 16348926 17370064 1706173 1954469 3360647 3583548 21415746 22908081 0 0 0 0 7325807 7400534 0 0 0 12326315 12770971 19652122 20171505 1763624 2736576 318990368 335363445 286878276 299431855 32112092 35931590 WE'LL ALWAYS BE THERE WITH EXCELLENT KNOWLEDGE AND OUTSTANDING SERVICE. WHENEVER YOU NEED US, WE'LL BE HERE. US COMMUNITY CREDIT UNION, "VALUES YOU CAN TRUST." 0 0 THE ORGANIZATION EMPLOYED A DEDICATED TEAM OF FINANCIAL PROFESSIONALS TO DELIVER HIGH-QUALITY MEMBER SERVICES AND MAINTAIN OPERATIONAL INTEGRITY. SALARIES SUPPORTED A WIDE RANGE OF ACTIVITIES ESSENTIAL TO THE CREDIT UNION'S EXEMPT PURPOSE, INCLUDING ACCOUNT MANAGEMENT, LENDING SERVICES, FINANCIAL EDUCATION, MEMBER SUPPORT, REGULATORY COMPLIANCE, AND COMMUNITY OUTREACH. COMPENSATION ALSO COVERED STAFF INVOLVED IN DIGITAL BANKING, LOAN PROCESSING, AND BRANCH OPERATIONS, ENSURING MEMBERS HAD ACCESS TO CONVENIENT, SECURE, AND PERSONALIZED FINANCIAL SERVICES. INTEREST EXPENSES WERE INCURRED IN THE ORDINARY COURSE OF BUSINESS TO SUPPORT DEPOSIT ACCOUNTS HELD BY MEMBERS. THESE PAYMENTS REPRESENT THE CREDIT UNION'S COMMITMENT TO PROVIDING MEMBERS WITH COMPETITIVE RETURNS ON SAVINGS AND OTHER DEPOSIT INSTRUMENTS. BY OFFERING INTEREST-BEARING PRODUCTS, THE CREDIT UNION FOSTERS FINANCIAL STABILITY AND ENCOURAGES PERSONAL SAVINGS AMONG MEMBERS, PARTICULARLY THOSE OF MODEST MEANS, WHICH DIRECTLY ALIGNS WITH ITS MISSION TO PROMOTE THRIFT AND PROVIDE A SOURCE OF CREDIT AT REASONABLE RATES. THE PROVISION FOR LOAN LOSSES ENSURES THE LONG-TERM FINANCIAL STABILITY AND SOUNDNESS OF THE CREDIT UNION, PROTECTING MEMBER DEPOSITS AND PRESERVING TRUST IN ITS LENDING OPERATIONS. THIS ACCOUNTING EXPENSE REFLECTS PRUDENT FINANCIAL MANAGEMENT AND RISK MITIGATION FOR POTENTIAL LOAN DEFAULTS, PARTICULARLY AMONG UNDERSERVED OR ECONOMICALLY VULNERABLE MEMBERS. BY MAINTAINING ADEQUATE RESERVES, THE CREDIT UNION CAN CONTINUE TO OFFER ACCESSIBLE, FAIR, AND RESPONSIBLE CREDIT OPTIONS, CONSISTENT WITH ITS CORE MISSION OF SERVING THE COMMUNITY'S FINANCIAL NEEDS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 5458 0 1 108 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X KAMERAN LAUX 6152568712 PO BOX 140570 NASHVILLE TN 37214 CHARLES BODDIE DIRECTOR 2.00 X 1810 0 0 CHRISTOPHER WESTBROOK SECRETARY 2.00 X 0 0 0 CINDY BABIN TREASURER 2.00 X 2208 0 0 HEWITT SAWYERS VICE CHAIRMAN 2.00 X 822 0 0 JASON BROCKMAN DIRECTOR 2.00 X 0 0 0 NORMAN LOVE DIRECTOR 2.00 X 3058 0 0 ROY JONES CHAIRMAN 2.00 X 1501 0 0 BEN JOHNSON CEO 40.00 X 409914 0 25865 GREGORY BRENT CRO 40.00 X 250185 0 21358 JON RYAN JERNIGAN COO 40.00 X 186969 0 43781 KAMERAN LAUX CFO 40.00 X 273501 0 102040 KIMBERLY LAMONT SVP OF LENDING 40.00 X 164670 0 16750 AUBRIE JOHNSTON VP OF HUMAN RESOURCES 40.00 X 113140 0 12125 BRIANNA BURDEN VP OF MEMBER EXPERIENCE 40.00 X 125356 0 15466 SHARON RENFRO AVP ADMINISTRATION 40.00 X 119313 0 13950 STEVEN J KIBBEL FORMER, WEALTH ADVISOR 40.00 X 114853 0 8941 TRISHA KING AVP RISK & COMPLIANCE, BSA OFFICER 40.00 X 106590 0 11985 1873890 0 272261 11 0 1 0 VELERA 615 CHANNELSIDE DRIVE SUITE 204 TAMPA FL 33602 CARD PAYMENTS 1647147 ALKAMI TECHNOLOGY INC 5601 GRANITE PARKWAY SUITE 120 PLANO TX 75024 DIGITAL BANKING 499254 FISERV 600 N VEL R PHILLIPS AVE MILWAUKEE WI 53203 WIRE EXCHANGE 258837 ACUMEN TECHNOLOGY 2699 FESSEY COURT SUITE 200 NASHVILLE TN 37204 CYBERSECURITY & IT SOLUTIONS 199839 MERIDIANLINK 1 VENTURE SUITE 235 IRVINE CA 92618 LOAN ORIGINATION 167609 10 MEMBER LOAN INTEREST 522100 14734484 14734484 FEES AND CHARGES 522100 2578980 2578980 FINANCE AND INSURANCE 520000 56600 56600 17370064 1854148 1854148 171500 71179 100321 100321 100321 INTERCHANGE INCOME 522100 2021116 2021116 OTHER OPERATING INCOME 522100 886468 886468 COMMISSION INCOME 522100 675964 675964 3583548 22908081 22851481 56600 0 1504432 4452210 293018 719248 431626 184415 193190 276462 321135 2004471 1396632 359357 380235 4584071 326393 100010 PROVISION FOR LOAN LOSS 1965859 LOAN SERVICING EXPENSE 678741 20171505 1760556 1760752 30819218 35782683 377316 397528 15316923 15709285 222167397 235337276 1858190 1961938 13898211 3570364 10584018 10327847 30367234 27586435 253800 255200 5485716 6244501 318990368 335363445 9054187 6778371 277824089 292653484 286878276 299431855 X 0 0 0 0 32112092 35931590 32112092 35931590 318990368 335363445 2736576 1082922 0 X X 0 1 X 1 0 3334219 3334219 8780515 2109666 6670849 16009 16009 0 1767468 1444689 322779 10327847 CERTIFICATES OF DEPOSIT 104084338 IRA SHARES 1726671 MONEY MARKET SHARES 36242137 SHARE DRAFTS 46857318 REGULAR SHARES 103743020 292653484 X 22908081 0 22908081 0 22908081 20171505 0 20171505 0 20171505 PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION. X 1 1 X X X X X 0 1 0 BEN JOHNSON CEO 327892 0 65771 0 16251 0 19080 0 6785 0 435779 0 0 0 KAMERAN LAUX CFO 206700 0 50685 0 16116 0 95255 0 6785 0 375541 0 0 0 GREGORY BRENT CRO 185059 0 20150 0 44976 0 13407 0 7951 0 271543 0 14778 0 JON RYAN JERNIGAN COO 159745 0 21282 0 5942 0 36996 0 6785 0 230750 0 0 0 KIMBERLY LAMONT SVP OF LENDING 149799 0 13750 0 1121 0 9965 0 6785 0 181420 0 0 0 PART I, LINE 4B CERTAIN MEMBERS OF THE SENIOR MANAGEMENT TEAM PARTICPATE IN A 457(F) DEFERRED COMPENSATION PLAN. DURING 2025 THE FOLLOWING ACCRUALS/PAYOUTS RELATED TO THE PLAN WERE RECORDED: KAMERAN LAUX - 78,665 (ACCRUAL) GREGORY BRENT - 18,555 (ACCRUAL) GREGORY BRENT - 33,333 (PAYOUT, INCLUDES THE $18,555 ACCRUED IN SAME PERIOD) JON RYAN JERNIGAN - 30,209 (ACCRUAL) BENEFIT ACCRUALS FOR THE 457F PLAN FOR KAMERAN LAUX AND JON RYAN JERNIGAN ARE INCLUDED IN DEFERRED COMPENSATION BENEFITS REPORTED IN SCHEDULE J PART II. THE 2025 BENEFIT ACCRUAL FOR GREGORY BRENT IS REPORTED IN W-2 COMPENSATION (OTHER COMPENSATION) AS IT WAS ALSO PAID OUT DURING 2025. THE CREDIT UNION HAS ENTERED INTO A COLLATERAL ASSIGNED SPLIT DOLLAR INSURANCE ARRANGEMENT WITH CERTAIN EXECUTIVES (LISTED BELOW). THE AGREEMENT INVOLVES A METHOD OF PAYING FOR INSURANCE COVERAGE FOR THE EXECUTIVES BY SPLITTING THE ELEMENTS OF A LIFE INSURANCE POLICY. UNDER THE AGREEMENT, THE EXECUTIVES ARE THE OWNER OF THE POLICIES AND MAKE A COLLATERAL ASSIGNMENT TO THE CREDIT UNION IN RETURN FOR A LOAN EQUAL TO THE AMOUNT OF PREMIUMS TO BE PAID ON BEHALF OF THE EXECUTIVES PLUS ACCRUED INTEREST AT A SPECIFIC RATE. AT THE TIME OF DEATH, THE CREDIT UNION WILL BE PAID THE LOAN AMOUNT PLUS ACCRUED INTEREST AND THE BALANCE OF THE INSURANCE BENEFITS WILL BE PAID TO THE EXECUTIVES' DESIGNATED BENEFICIARIES AND THE CREDIT UNION AS DEFINED IN THE LEGAL AGREEMENT. THE LOAN BALANCE IS BASED ON THE CASH SURRENDER VALUE OF THE RELATED POLICIES OR THE LOAN NOTE AND THE VALUE OF THE DEPOSIT ACCOUNTS. BEN JOHNSON, CEO CINDY BABIN, FORMER EVP, CURRENT TREASURER (BOD) BEN JOHNSON CEO SPLIT DOLLAR X 3625000 4036006 0 1 1 BEN JOHNSON CEO SPLIT DOLLAR X 1300000 1491937 0 1 1 NATHAN BROWN FORMER CEO SPLIT DOLLAR X 2850000 3173136 0 1 1 PAUL JOHNSON FORMER CEO SPLIT DOLLAR X 1800000 2688210 0 1 1 PAUL JOHNSON FORMER CEO SPLIT DOLLAR X 1700000 2081403 0 1 1 CINDY BABIN FORMER EVP, CURRENT TREASURER SPLIT DOLLAR X 654224 701041 0 1 1 CHERYL THOMPSON FORMER CEO SPLIT DOLLAR X 1290000 1537552 0 1 1 15709285 FORM 990, SCH L, PART II THE CREDIT UNION HAS ENTERED INTO A COLLATERAL ASSIGNED SPLIT DOLLAR INSURANCE ARRANGEMENT WITH CERTAIN CURRENT AND FORMER MEMBERS OF THE EXECUTIVE MANAGMENT TEAM. THE AGREEMENT INVOLVES A METHOD OF PAYING FOR INSURANCE COVERAGE FOR THE EXECUTIVES BY SPLITTING THE ELEMENTS OF A LIFE INSURANCE POLICY. UNDER THE AGREEMENT, THE EXECUTIVES ARE THE OWNER OF THE POLICIES AND MAKE A COLLATERAL ASSIGNMENT TO THE CREDIT UNION IN RETURN FOR A LOAN EQUAL TO THE AMOUNT OF PREMIUMS TO BE PAID ON BEHALF OF THE EXECUTIVES PLUS ACCRUED INTEREST AT A SPECIFIC RATE. AT THE TIME OF DEATH, THE CREDIT UNION WILL BE PAID THE LOAN AMOUNT PLUS ACCRUED INTEREST AND THE BALANCE OF THE INSURANCE BENEFITS WILL BE PAID TO THE EXECUTIVES' DESIGNATED BENEFICIARIES AND THE CREDIT UNION AS DEFINED IN THE LEGAL AGREEMENT. THE LOAN BALANCE IS BASED ON THE CASH SURRENDER VALUE OF THE RELATED POLICIES OR THE LOAN NOTE AND THE VALUE OF THE DEPOSIT ACCOUNTS. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A MEMBER SHAREHOLDERS ELECT BOARD MEMBERS. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. FORM 990, PART VI, SECTION B, LINE 11B UPON PREPARATION OF THE FORM 990 BY EXTERNAL TAX PROFESSIONALS, THE DRAFT RETURN IS REVIEWED BY SENIOR MANAGEMENT, INCLUDING THE CHIEF FINANCIAL OFFICER. ONCE FILED, THE GOVERNING BODY IS INFORMED A COPY OF THE FORM 990 IS AVAILABLE UPON REQUEST. FORM 990, PART VI, SECTION B, LINE 12C OFFICERS AND DIRECTORS PROVIDE WRITTEN DISCLOSURE OF ANY ISSUES THAT COULD LEAD TO CONFLICTS OF INTEREST ON AN ANNUAL BASIS. THESE POTENTIAL CONFLICTS OF INTEREST ARE REVIEWED BY INTERNAL AUDIT AND REPORTED TO THE AUDIT COMMITTEE. FORM 990, PART VI, SECTION B, LINE 15 THE CREDIT UNION UTILIZES MULTIPLE INDUSTRY RESOURCES TO ENSURE COMPETITIVE AND EQUITABLE COMPENSATION PRACTICES FOR ALL EMPLOYEES, INCLUDING THE CHIEF EXECUTIVE OFFICER. THESE RESOURCES INCLUDE COMPEASE DATA, GENERAL SALARY SURVEY DATA, THE CUNA SALARY SURVEY, THE CREDIT UNION EXECUTIVE SURVEY, AND GALLAGHER SURVEY DATA FOR CREDIT UNIONS. COMPENSATION DECISIONS ARE GUIDED BY CORPORATE PERFORMANCE GOALS, BENCHMARKING AGAINST PEER INSTITUTIONS, AND INDIVIDUAL PERFORMANCE METRICS. SALARY ADJUSTMENTS ARE DETERMINED WITHIN A STRUCTURED INCREASE MATRIX TO PROMOTE CONSISTENCY, FAIRNESS, AND ALIGNMENT WITH THE ORGANIZATION'S STRATEGIC OBJECTIVES. THE PROCESS FOR DETERMINING THE CHIEF EXECUTIVE OFFICER'S COMPENSATION FOLLOWS THE SAME METHODOLOGY APPLIED TO ALL EMPLOYEES; IT IS NOT SUBJECT TO A SEPARATE THIRD-PARTY REVIEW OR APPROVAL PROCESS. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATIONAL DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XII, LINE 2C: THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.