Nonprofit · EIN 62-0575774
CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE
Also known as RESOUND CREDIT UNION
Tax-exempt · NASHVILLE, TN 37212
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 (amended) | $43,133,868 | $35,669,192 | $7,464,676 | $677,710,277 | $609,928,099 | $67,782,178 |
| December 31, 2024 | 990 | $36,684,425 | $32,238,685 | $4,445,740 | $623,866,119 | $566,141,738 | $57,724,381 |
| December 31, 2023 | 990 | $31,385,639 | $27,102,233 | $4,283,406 | $597,961,600 | $547,056,056 | $50,905,544 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $35,937,413
- Investment income
- $2,269,917
- Net rental income
- $81,336
- Net gain from sales of assets
- $544,393
- Other revenue
- $4,926,538
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $2,157,281
- Other salaries and wages
- $6,842,295
- Salaries, compensation and benefits (total)
- $10,981,613
- Professional fundraising fees
- $0
- Legal fees
- $94,759
- Accounting fees
- $47,050
- Occupancy
- $839,485
- Depreciation
- $822,498
Balance sheet and other
- Total assets, start of year
- $623,866,119
- Total assets, end of year
- $677,710,277
- Total liabilities, end of year
- $609,928,099
- Net assets, end of year
- $67,782,178
- Land, buildings and equipment
- $16,376,746
- Publicly traded securities
- $30,308,040
- Gross unrelated business income
- $109,395
- Gross receipts
- $62,989,032
- Employees
- 138
- Volunteers
- 7
- Year formed
- 1955
- State of legal domicile
- TN
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DONNA YOUNG | President Officer | 40 | $651,014 | $279,328 |
| LAURA WILLIAMSON | Executive VP Officer | 40 | $428,913 | $218,288 |
| JENNIFER RAWLS | VP Lending Key employee | 40 | $209,289 | $93,535 |
| ROB BYRD | CFO Officer | 40 | $254,817 | $40,254 |
| WILLIAM FRYE | VP Marketing Key employee | 40 | $194,124 | $77,294 |
| MATT MIELKE | VP Inf Technology Key employee | 40 | $221,780 | $32,041 |
| KALLAR MCCOWN | VP Branch Operations Key employee | 40 | $197,344 | $10,528 |
| KRAIG VAN DYKE | IT Manager Highest-paid employee | 40 | $120,236 | $31,295 |
| KATHERINE MORLEY | AVP Consumer Lending Highest-paid employee | 40 | $132,614 | $7,661 |
| MARCK PARRIS | AVP Risk Manager Highest-paid employee | 40 | $124,527 | $15,738 |
| ELIZABETH ROBINSON | AVP BRANCH OPERATIONS Key employee | 40 | $117,807 | $15,369 |
| SUSAN MANOR | AVP HR Training Highest-paid employee | 40 | $117,082 | $14,919 |
| GARY COWAN | Director Trustee or director | 2 | $0 | $0 |
| ROBERTA HILL | Director Trustee or director | 1 | $0 | $0 |
| LELAN STATOM | Director Trustee or director | 1 | $0 | $0 |
4 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KAREN CLABOUGH | Director Trustee or director | 1 | $0 |
| AARON JEWELL | Director Trustee or director | 1 | $0 |
| ANDY GRAHAM | Director Trustee or director | 1 | $0 |
| SPENCER SMITH | Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DONNA YOUNG | President Officer | 40 | $589,821 | $268,876 |
| LAURA WILLIAMSON | Executive VP Officer | 40 | $372,555 | $215,717 |
| ROB BYRD | CFO Officer | 40 | $230,123 | $36,872 |
| STACIE RAWLS | VP Lending Key employee | 40 | $191,556 | $63,961 |
| WILLIAM FRYE | VP Marketing Key employee | 40 | $170,716 | $57,921 |
| MATT MIELKE | VP Inf Technology Key employee | 40 | $199,651 | $25,200 |
| KALLAR MCCOWN | VP Branch Operations Key employee | 40 | $176,677 | $9,375 |
| SCOTT UNLAND | IT Network Admin Highest-paid employee | 40 | $109,469 | $37,128 |
| KRAIG VAN DYKE | IT Manager Highest-paid employee | 40 | $109,197 | $28,971 |
| MARCK PARRIS | AVP Risk Manager Highest-paid employee | 40 | $106,602 | $26,965 |
| SUSAN MANOR | AVP HR Training Highest-paid employee | 40 | $105,705 | $14,124 |
| KATHERINE MORLEY | AVP Consumer Lending Highest-paid employee | 40 | $112,696 | $6,375 |
| GARY COWAN | Director Trustee or director | 2 | $0 | $0 |
| ROBERTA HILL | Director Trustee or director | 1 | $0 | $0 |
| LELAN STATOM | Director Trustee or director | 1 | $0 | $0 |
| KAREN CLABOUGH | Director Trustee or director | 1 | $0 | $0 |
| AARON JEWELL | Director Trustee or director | 1 | $0 | $0 |
| ANDY GRAHAM | Director Trustee or director | 1 | $0 | $0 |
| SPENCER SMITH | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DONNA YOUNG | President Officer | 40 | $564,140 | $235,191 |
| LAURA WILLIAMSON | Executive VP Officer | 40 | $363,804 | $168,235 |
| ROB BYRD | CFO Officer | 40 | $220,710 | $12,432 |
| ROD PAYNE | CIO Highest-paid employee | 40 | $119,803 | $107,433 |
| STACIE RAWLS | VP Lending Key employee | 40 | $177,865 | $22,647 |
| KALLAR MCCOWN | VP Branch Operations Key employee | 40 | $170,233 | $8,619 |
| WILLIAM FRYE | VP Marketing Key employee | 40 | $163,700 | $15,102 |
| MATT MIELKE | VP Inf Technology Key employee | 40 | $151,180 | $0 |
| PATRICIA KOVOLYAN | AVP Mtg Bus Lending Highest-paid employee | 40 | $113,211 | $4,192 |
| KRAIG VAN DYKE | IT Manager Highest-paid employee | 40 | $109,892 | $7,197 |
| KATHERINE MORLEY | AVP Consumer Lending Highest-paid employee | 40 | $103,990 | $5,395 |
| CHRISTY PRATT | AVP Credit Operations Highest-paid employee | 40 | $102,655 | -$447 |
| GARY COWAN | Director Trustee or director | 2 | $0 | $0 |
| ROBERTA HILL | Director Trustee or director | 1 | $0 | $0 |
| LELAN STATOM | Director Trustee or director | 1 | $0 | $0 |
| KAREN CLABOUGH | Director Trustee or director | 1 | $0 | $0 |
| AARON JEWELL | Director Trustee or director | 1 | $0 | $0 |
| KIMBERLY SILVUS | Director Trustee or director | 1 | $0 | $0 |
| ANDY GRAHAM | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1701 21ST AVE S, NASHVILLE, TN 37212-3703
- In care of
- % WILLIAM BYRD
- Principal officer (990 for 2025)
- Donna Young, 1701 21ST AVE S, NASHVILLE, TN 37212
- Signed the 990
- ROB, BYRD
- Phone
- (615) 385-6828
Mission
State chartered credit union offering full range of financial services
Program accomplishments
- INTEREST EXPENSEExpenses $11,261,004
- EMPLOYEE SALARIES AND BENEFITSExpenses $10,981,612
- Provision for credit lossesExpenses $3,125,000
- OTHERExpenses $3,213,313
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 62-0575774
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1952
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1182: CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE
- Assets (IRS master file)
- $677,710,277
- Income (IRS master file)
- $62,989,032
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $43,133,868 | $35,669,192 | $677,710,277 | IRS |
| 990 | December 2024 | $36,684,425 | $32,238,685 | $623,866,119 | IRS |
| 990 | December 2023 | $31,385,639 | $27,102,233 | $597,961,600 | XML |
| 990 | December 2022 | $23,967,218 | $18,375,366 | $584,412,377 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 62-0575774).
Questions about CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE
- What is the EIN of CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE?
- The employer identification number (EIN) of CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE is 62-0575774.
- Is CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1952.
- Are donations to CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE?
- The 990 for the year ended December 31, 2025 names Donna Young.
- Who are the officers and directors of CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE?
- The 990 for the year ended December 31, 2025 lists 19 people; 12 received compensation from the organization, the highest $651,014 (DONNA YOUNG, President).
- How much revenue does CREDIT UNIONS CHARTERED IN THE STATE OF TENNESSEE have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $43,133,868, expenses of $35,669,192 and total assets of $677,710,277 at year end.
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