C E M C Employees Credit Union
EIN: 626041068 · Clarksville, TN
| Metric | Value |
|---|---|
| Total Revenue | $132K |
| Total Expenses | $119K |
| Net Assets | $436K |
Search Intent Cockpit
C E M C Employees Credit Union Form 990, Revenue, CEO Pay, and IRS Filing Signals
C E M C Employees Credit Union is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around C E M C Employees Credit Union in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $132K and expenses of $119K.
Revenue and Expenses
C E M C Employees Credit Union reported $132K in revenue and $119K in expenses, a surplus of $13K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
Mission score and red-flag review are shown when AI enrichment is available.
Is C E M C Employees Credit Union Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
Functional expense detail is not available on the stored filing yet. Existing program percentage and future extracted expense fields will populate this panel.
Across stored filings, C E M C Employees Credit Union shows contribution history pending. Next enrichment targets: revenue-source fields, functional expense detail, IRS BMF classification, AI synthesis.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Insufficient Data | Good filing record; no red flags identified |
| Mission spend | Pending | Unknown |
| Financial durability | Grade A | 13 stored filing years |
| Peer context | Compare with Domino's Franchisee Forum | Tennessee and category context |
Trust Check
Review legitimacy, deductibility, red flags, and filing consistency.
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Local and Sector Spokes
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Clarksville, TN nonprofitsFollow the Money
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About C E M C Employees Credit Union
C E M C Employees Credit Union (EIN: 626041068) is a nonprofit organization based in Clarksville, TN. The organization reported total revenue of $132K and total assets of $2.5M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of C E M C Employees Credit Union's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
C E M C Employees Credit Union is a small nonprofit that has been operating for 74 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -0.5%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $132K |
| Total Expenses | $119K |
| Surplus / Deficit | +$13K |
| Total Assets | $2.5M |
| Total Liabilities | $2.1M |
| Net Assets | $436K |
| Operating Margin | 10.1% |
| Debt-to-Asset Ratio | 82.7% |
| Months of Reserves | 254.1 months |
Financial Health Grade: A
In 2023, C E M C Employees Credit Union reported a surplus of $13K with revenue exceeding expenses, holds 254.1 months of operating reserves (strong position), has a debt-to-asset ratio of 82.7% (high leverage).
Financial Trends
Over 13 years of filings (2011–2023), C E M C Employees Credit Union's revenue has declined at a compound annual growth rate (CAGR) of -0.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +7.2% | +7.4% | +4.0% |
| 2022 | +6.8% | +0.8% | +3.0% |
| 2021 | -2.0% | -28.7% | -4.6% |
| 2020 | -10.5% | +5.0% | +5.3% |
| 2019 | +9.8% | +27.0% | -4.2% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1952 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Analysis Pending
AI enrichment for C E M C Employees Credit Union has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates C E M C Employees Credit Union with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $13K, with revenue exceeding expenses.
- Debt-to-asset ratio: 82.7%.
Frequently Asked Questions about C E M C Employees Credit Union
Is C E M C Employees Credit Union a legitimate charity?
C E M C Employees Credit Union (EIN: 626041068) is a registered tax-exempt nonprofit based in Tennessee. It has 13 years of IRS 990 filings on record. Total revenue: $132K. No red flags identified. Financial health grade: A.
How does C E M C Employees Credit Union spend its money?
C E M C Employees Credit Union reported $132K in total revenue in IRS 990 filings. 13 years of filing data available. Revenue exceeded expenses in the most recent year. Review the full spending breakdown on NonprofitSpending.
Are donations to C E M C Employees Credit Union tax-deductible?
C E M C Employees Credit Union is registered as a tax-exempt nonprofit (EIN: 626041068). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is C E M C Employees Credit Union located?
C E M C Employees Credit Union is headquartered in Clarksville, Tennessee and files with the IRS under EIN 626041068.
How many years of IRS 990 filings does C E M C Employees Credit Union have?
C E M C Employees Credit Union has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $132K in total revenue.
Filing History
IRS 990 filing history for C E M C Employees Credit Union showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), C E M C Employees Credit Union's revenue has declined by 6.1%, moving from $141K to $132K. Total assets decreased by 18.6% over the same period, from $3.1M to $2.5M. Total functional expenses fell by 12.6%, from $136K to $119K. In its most recent filing year (2023), C E M C Employees Credit Union reported a surplus of $13K, with revenue exceeding expenses. The organization holds $2.1M in liabilities against $2.5M in assets (debt-to-asset ratio: 82.7%), resulting in net assets of $436K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $132K | $119K | $2.5M | $2.1M | — | View 990 |
| 2022 | $124K | $111K | $2.4M | $2.0M | — | View 990 |
| 2021 | $116K | $110K | $2.4M | $1.9M | — | View 990 |
| 2020 | $118K | $154K | $2.5M | $2.0M | — | — |
| 2019 | $132K | $147K | $2.3M | $1.9M | — | View 990 |
| 2018 | $120K | $116K | $2.4M | $2.0M | — | View 990 |
| 2017 | $118K | $201K | $3.3M | $2.8M | — | View 990 |
| 2016 | $111K | $135K | $2.5M | $1.9M | — | View 990 |
| 2015 | $117K | $141K | $2.4M | $1.8M | — | View 990 |
| 2014 | $109K | $153K | $2.7M | $2.1M | — | View 990 |
| 2013 | $122K | $129K | $2.8M | $2.1M | — | View 990 |
| 2012 | $128K | $135K | $3.1M | $2.5M | — | View 990 |
| 2011 | $141K | $136K | $3.1M | $2.5M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $132K, expenses of $119K, and assets of $2.5M (revenue +7.2% year-over-year).
- 2022: Revenue of $124K, expenses of $111K, and assets of $2.4M (revenue +6.8% year-over-year).
- 2021: Revenue of $116K, expenses of $110K, and assets of $2.4M (revenue -2.0% year-over-year).
- 2020: Revenue of $118K, expenses of $154K, and assets of $2.5M (revenue -10.5% year-over-year).
- 2019: Revenue of $132K, expenses of $147K, and assets of $2.3M (revenue +9.8% year-over-year).
- 2018: Revenue of $120K, expenses of $116K, and assets of $2.4M (revenue +1.9% year-over-year).
- 2017: Revenue of $118K, expenses of $201K, and assets of $3.3M (revenue +6.0% year-over-year).
- 2016: Revenue of $111K, expenses of $135K, and assets of $2.5M (revenue -5.1% year-over-year).
- 2015: Revenue of $117K, expenses of $141K, and assets of $2.4M (revenue +7.5% year-over-year).
- 2014: Revenue of $109K, expenses of $153K, and assets of $2.7M (revenue -10.3% year-over-year).
- 2013: Revenue of $122K, expenses of $129K, and assets of $2.8M (revenue -5.1% year-over-year).
- 2012: Revenue of $128K, expenses of $135K, and assets of $3.1M (revenue -9.1% year-over-year).
- 2011: Revenue of $141K, expenses of $136K, and assets of $3.1M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for C E M C Employees Credit Union:
Data Sources and Methodology
This transparency report for C E M C Employees Credit Union is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.