A U B Employees Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
A U B Employees Credit Union is a 501(c)(14) organization based in Athens, Tennessee, registered in 1952, with $76,394 in FY2025 revenue. CharityIndex grades it C+.
100 Englewood Rd, Athens, TN, 37371 EIN 62-0794334 Since 1952
Revenue (FY2025)
$76K
▼ 4.1% vs prior year
Expenses (FY2025)
$74K
Net assets
$399K
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
C+
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for A U B Employees Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
B+Financial health25% of the rating65 mo reserves · +3% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For A U B Employees Credit Union: 65 mo reserves · +3% margin earns a B+ on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for A U B Employees Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
DTransparency10% of the rating1 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For A U B Employees Credit Union: 1 of 5 disclosure signals earns a D on this criterion. See the exact thresholds →
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Contact & location
Financial trends
Revenue grew from $74K (FY2013) to $76K (FY2025) across 13 reported years.
Financial snapshot
Financial health & position (FY2025)
Liabilities $1.1MNet assets $399K
Operating margin
3.4%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$1.5M
Total liabilities
$1.1M
Net assets
$399K
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2025 | $76,394▼4.1% | $73,794▼2.6% | $398,784▼20.0% | $1,482,547▼12.0% | 990 |
| 2024 | $79,676▲5.0% | $75,795▲9.5% | $498,719▲26.3% | $1,685,664▼3.9% | 990 |
| 2023 | $75,865▲20.7% | $69,191▲11.2% | $394,851▲1.7% | $1,754,257▼12.8% | 990 |
| 2022 | $62,870▼2.0% | $62,234▼1.0% | $388,178▲0.2% | $2,012,682▲8.1% | 990 |
| 2021 | $64,146▼3.8% | $62,878▼2.0% | $387,542▲0.3% | $1,861,832▲3.9% | 990 |
| 2020 | $66,661▲1.2% | $64,138▲0.5% | $386,273▲0.7% | $1,792,029▲12.7% | 990 |
| 2019 | $65,865▼5.1% | $63,808▼2.4% | $383,751▲0.5% | $1,590,771▲1.1% | 990 |
| 2018 | $69,427▲11.8% | $65,361▲8.5% | $381,695▲1.1% | $1,574,176▼10.3% | 990 |
| 2017 | $62,104▼1.6% | $60,232▼0.7% | $377,629▲0.5% | $1,755,151▲8.0% | 990 |
| 2016 | $63,098▼12.6% | $60,670▼1.4% | $375,757▲1.2% | $1,624,444▲1.3% | 990 |
| 2015 | $72,209▼5.6% | $61,545▼6.9% | $371,441▲3.0% | $1,603,751▲1.0% | 990 |
| 2014 | $76,509▲2.9% | $66,120▲4.7% | $360,777▲3.0% | $1,587,824▲7.8% | 990 |
| 2013 | $74,358 | $63,148▼1.0% | $350,388▲3.3% | $1,472,900▲12.8% | 990 |
| 2012 | — | $63,766▼8.7% | $339,178▲3.8% | $1,306,231▲5.4% | 990 |
| 2011 | — | $69,840▲2.7% | $326,649▲0.3% | $1,239,297▲8.9% | 990 |
| 2010 | — | $67,986 | $325,672 | $1,138,432 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is A U B Employees Credit Union a legitimate nonprofit?
- Yes. A U B Employees Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 62-0794334, based in Athens, Tennessee.
- What is A U B Employees Credit Union's EIN?
- A U B Employees Credit Union's Employer Identification Number (EIN) is 62-0794334.
- How much revenue does A U B Employees Credit Union report?
- A U B Employees Credit Union reported $76,394 in total revenue on its fiscal year 2025 IRS Form 990 filing.
- What financial grade does A U B Employees Credit Union have?
- CharityIndex grades A U B Employees Credit Union C+, based on financial health (reserves and operating margin).
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Data for A U B Employees Credit Union (EIN 62-0794334) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.