2026-07-17T12:55:40-05:00 2025-12-31 994625061 CRI ADVISORS LLC 3011 ARMORY DRIVE SUITE 300 NASHVILLE TN 37204 990 2025-01-01 626041064 KOIN CREDIT UNION KOIN 6152512089 215 CENTERVIEW DR SUITE 3-111 BRENTWOOD TN 37027 ERIK HEARN CFO 6152512089 2026-07-13 1 PHILLIP STEIN P00988662 6156651811 2026-07-13 2025 2025-03-06 01:10:19Z ERIK HEARN 215 CENTERVIEW DR SUITE 3-111 BRENTWOOD TN 37027 1869145 0 X HTTPS://KOINCU.ORG/ X 1954 TN THE PURPOSES OF THIS CREDIT UNION SHALL BE TO PROMOTE GOOD ECONOMIC MANAGEMENT, TO ISSUE SHARES AND MAINTAIN ACCOUNTS, TO MAKE LOANS TO ITS MEMEBERS AT RESONABLE RATES OF INTEREST FOR PRUDENT PURPOSES, TO INVEST ANY SURPLUS NOT REQUIRED FOR LANS TO MEMEBERS IN THE WAY AND MANNER PROVIDED BY LAW, AND TO EXERCISE THOSE FUNCTIONS DESCRIBED IN THE LAWS OF THE STATE OF TENNESSEE AUTHORIZING THE ORGANZIATION OF CREDIT UNIONS. 7 7 9 9 0 419 0 0 1251471 1242043 394887 441926 132131 185176 1778489 1869145 0 0 0 0 683299 762243 0 0 0 1320509 1313707 2003808 2075950 -225319 -206805 37971210 36183297 34669660 33088551 3301550 3094746 X THE PURPOSES OF THIS CREDIT UNION SHALL BE TO PROMOTE GOOD ECONOMIC MANAGEMENT, TO ISSUE SHARES AND MAINTAIN ACCOUNTS, TO MAKE LOANS TO ITS MEMEBERS AT RESONABLE RATES OF INTEREST FOR PRUDENT PURPOSES, TO INVEST ANY SURPLUS NOT REQUIRED FOR LANS TO MEMEBERS IN THE WAY AND MANNER PROVIDED BY LAW, AND TO EXERCISE THOSE FUNCTIONS DESCRIBED IN THE LAWS OF THE STATE OF TENNESSEE AUTHORIZING THE ORGANZIATION OF CREDIT UNIONS. 0 0 AT 12/31/25, KOIN CREDIT UNION (KCU) HAS 1 LOCATION IN BRENTWOOD, TN. KCU OFFERS A WIDE RANGE OF CONSUMER CREDIT AND DEPOSIT PRODUCTS & SERVICES. THESE INCLUDE CREDIT CARDS, SECURED AND UNSECURED TERM AND REVOLVING LOANS, RESIDENTIAL CONSTRUCTION AND PERMANENT MORTGAGE LENDING. KEY DATA AS OF DECEMBER 31, 2025 INCLUDE 1 LOCATION, 9 EMPLOYEES, 2,111 MEMBERS, 1,016 LOAN ACCOUNTS, 87 PARTICIPATION LOANS AND 4,089 DEPOSIT ACCOUNTS. 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 9 0 1 1 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X ERIK HEARN 6152512091 215 CENTERVIEW DR SUITE 3-111 BRENTWOOD TN 37027 STEVE ACKLIN VICE CHAIRMAN 1.00 X 0 0 0 KRISTEN LANDERS TREASURER 1.00 X 0 0 0 SARA MOFIELD SECRETARY 1.00 X 0 0 0 JANICE BELL BOARD MEMBER 1.00 X 0 0 0 SHAYNE GILPIN SUPERVISORY COMMITTEE 1.00 X 0 0 0 JAYSON BYRD SUPERVISORY COMMITTEE 1.00 X 0 0 0 SHELBY SAWYER BOARD MEMBER 1.00 X 0 0 0 MIKE NEILL CHAIRMAN 1.00 X 0 0 0 SCOTT LUCAS BOARD MEMBER 1.00 X 0 0 0 DOUG CLINTON CEO 40.00 X 177961 0 4521 177961 0 4521 1 0 1 0 0 INTEREST MEMBER LOAN 525990 1190183 1190183 INTEREST CREDIT CARD 525990 45148 45148 INTEREST PARTICIPATION 525990 6712 6712 1242043 441926 441926 DEBITCRD NET I/CCR 900099 75260 75260 OTHER INCOME 900099 61577 61577 FEE INCOME 900099 27499 27499 20840 20840 185176 1869145 1869145 0 0 603579 158664 406609 PROFESSIONAL & OUTSIDE 386550 OFFICE OPERATIONS 154551 LOAN SERVICE EXPENSE 135549 PROVISIONAL LOAN LOSS 78000 152448 2075950 158463 229835 23812090 21534543 122351 159916 394776 303642 153943 91134 13307716 13785578 416647 382291 37971210 36183297 37917 31408 34631743 33057143 34669660 33088551 X 1306664 1306664 0 0 1994886 1788082 3301550 3094746 37971210 36183297 -206805 0 X X 0 1 X 1 0 387528 298776 88752 7248 4866 2382 91134 HTM DEBT SECURITIES 2615000 C DEPOSITS IN COMMERCIAL BANKS 5948000 C NATURAL PERSON CREDIT UNIOINS 2050000 C PERPETUAL CONTRIBUTED CAPITAL 297897 C VOLCOR 2624681 C OTHER CD INVESTMENTS 250000 C 13785578 SHARES 33054748 DIVIDENDS PAYABLE 2395 33057143 1869144 0 1869144 0 1869144 2075950 0 2075950 0 2075950 0 0 0 DOUG CLINTON CEO 177961 0 0 0 0 0 4521 0 0 0 182482 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 EACH INDIVIDUAL WHO OPENS A SHARE/SAVINGS ACCOUNT BECOMES A MEMBER OF THE CREDIT UNION FORM 990, PART VI, SECTION B, LINE 11B THE ACCOUNTING MANAGER AND CEO REVIEW FORM 990 FOR ACCURACY PRIOR TO FILING FORM 990, PART VI, SECTION B, LINE 12C ANNUAL CERTIFICATION IS OBTAINED FORM 990, PART VI, SECTION B, LINE 15 CEO COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS WHO ARE INDEPENDENT FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS ARE AVAILABLE AT ANNUAL SHAREHOLDER MEETING AND ARE AVAILABLE UPON REQUEST. REGULATORY FILINGS OF FINANCIAL AND OPERATIONAL DATA ARE AVAILABLE TO THE PUBLIC VIA THE INTERNET. FORM 990 PART XII, PAGE 12, LINE 2C THE COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT AND SELECTION OF OF AN INDEPENDENT ACCOUNTANT HAS NOT CHANGED ITS PROCESS.