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        <TotalAmt>14096</TotalAmt>
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        <Desc>Loan &amp; Fraud Losses</Desc>
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        <EOYAmt>3118561</EOYAmt>
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      <PdInCapSrplsLandBldgEqpFundGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
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      <RtnEarnEndowmentIncmOthFndsGrp>
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        <EOYAmt>11624977</EOYAmt>
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      <TotalNetAssetsFundBalanceGrp>
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        <EOYAmt>14743538</EOYAmt>
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      <TotLiabNetAssetsFundBalanceGrp>
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        <EOYAmt>92729400</EOYAmt>
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      <ReconcilationRevenueExpnssAmt>1634911</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>152027</NetUnrlzdGainsLossesInvstAmt>
      <DonatedServicesAndUseFcltsAmt>0</DonatedServicesAndUseFcltsAmt>
      <InvestmentExpenseAmt>0</InvestmentExpenseAmt>
      <PriorPeriodAdjustmentsAmt>0</PriorPeriodAdjustmentsAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>1</AccountantCompileOrReviewInd>
      <AcctCompileOrReviewBasisGrp>
        <ConsolidatedBasisFinclStmtInd>X</ConsolidatedBasisFinclStmtInd>
      </AcctCompileOrReviewBasisGrp>
      <FSAuditedInd>1</FSAuditedInd>
      <FSAuditedBasisGrp>
        <ConsolidatedBasisFinclStmtInd>X</ConsolidatedBasisFinclStmtInd>
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      <AuditCommitteeInd>0</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>0</FederalGrantAuditRequiredInd>
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    <IRS990ScheduleD documentId="R000002" softwareId="25022730" softwareVersionNum="v1.00">
      <LandGrp>
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        <OtherCostOrOtherBasisAmt>552301</OtherCostOrOtherBasisAmt>
        <BookValueAmt>552301</BookValueAmt>
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        <OtherCostOrOtherBasisAmt>2759031</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>1187885</DepreciationAmt>
        <BookValueAmt>1571146</BookValueAmt>
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        <OtherCostOrOtherBasisAmt>770389</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>629942</DepreciationAmt>
        <BookValueAmt>140447</BookValueAmt>
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        <BookValueAmt>0</BookValueAmt>
      </OtherLandBuildingsGrp>
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      <InvstProgramRelatedOrgGrp>
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        <MethodValuationCd>C</MethodValuationCd>
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        <Desc>Federal Agency Securities</Desc>
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        <MethodValuationCd>F</MethodValuationCd>
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        <Desc>Member Other Club Deposits</Desc>
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    <IRS990ScheduleO documentId="R000003" softwareId="25022730" softwareVersionNum="v1.00">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>Credit Union Members (owners) only.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>CU Members (owners) elect governing body at the Annual Meeting.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>Form 990 is available to the governing body, the independent auditors, and to the State of TN regulators.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>Monitored &amp; reported to the governing body by the President/CEO at each monthly meeting.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 15</FormAndLineReferenceDesc>
        <ExplanationTxt>Compensation obtained from surveys among peer groups and from the TN Credit Union League. Approval is obtained from the governing body.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>All documents, policies, &amp; statements are made available to the Members (owners) upon request.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>