The West Tennessee Credit Union
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2011 | 561,099 | 525,491 | 35,608 | 46.3 | 27% |
| 2012 | 497,102 | 497,101 | 1 | 48.9 | 33% |
| 2013 | 527,629 | 574,359 | −46,730 | 41.4 | 31% |
| 2014 | 499,761 | 525,078 | −25,317 | 44.7 | 36% |
| 2015 | 522,702 | 747,525 | −224,823 | 27.8 | 41% |
| 2016 | 664,323 | 658,860 | 5,463 | 31.6 | 32% |
| 2017 | 743,176 | 803,009 | −59,833 | 25.1 | 27% |
| 2018 | 799,169 | 798,360 | 809 | 25.2 | 27% |
| 2019 | 772,451 | 831,784 | −59,333 | 23.3 | 29% |
| 2020 | 672,142 | 670,663 | 1,479 | 29.0 | 37% |
| 2021 | 674,181 | 616,464 | 57,717 | 32.7 | 36% |
| 2022 | 528,634 | 639,320 | −110,686 | 29.4 | 33% |
| 2023 | 843,312 | 656,689 | 186,623 | 30.8 | 38% |
In its most recent public year (2023), this organization brought in $186,623 more than it spent. Its reserves stood at about 30.8 months of spending, down from 46.3 in 2011. Staff pay was 38% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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