Civic Intelligence

New York State Chartered Credit Unions

990 • Fiscal year 2013 • EIN 16-0570025

Jan 01, 2013 to Dec 31, 2013 • Filed on May 18, 2015

Organization ProfileNFPCCU.COM
8612 Buffalo Ave14304-4346

(716) 283-6268

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

62nd percentile

0.86x

Higher debt load relative to assets than 62% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

70th percentile

21.68x

Higher debt load relative to revenue than 70% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

9th percentile

-36%

Higher net margin than 9% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

63rd percentile

$37,648

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 22.8% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets62nd percentile

Assets

$4,161,477

No earlier filing loaded for comparison.

Net Assets

$574,331

No earlier filing loaded for comparison.

Liabilities

$3,587,146

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue70th percentileNet Margin9th percentile

Revenue

$165,433

No earlier filing loaded for comparison.

Expenses

$225,005

No earlier filing loaded for comparison.

Net Income

-$59,572

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$6.0M$4.0M$2.0M$0Assets 2013: $4,161,477Liabilities 2013: $3,587,146Net Assets 2013: $574,3312013Assets 2014: $3,794,718Liabilities 2014: $3,260,620Net Assets 2014: $534,0982014

Highlighted filing

2013

Assets$4,161,477
Liabilities$3,587,146
Net Assets$574,331
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$300K$200K$100K$0-$100KRevenue 2013: $165,433Expenses 2013: $225,005Net Income 2013: -$59,5722013Revenue 2014: $143,290Expenses 2014: $183,523Net Income 2014: -$40,2332014

Highlighted filing

2013

Revenue$165,433
Expenses$225,005
Net Income-$59,572
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 18, 2015
Return Version
2013v4.0
Gross Receipts
$165,433
Mission and Program Overview

Mission

The organization is a state chartered credit union that provides financial services including loans and savings accounts for its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$2,032,639$2,082,000▲ $49,361
Other Notes and Loans Receivable, Net$2,006,049$1,834,068▼ $171,981
Savings and Temporary Cash Investments$274,222$74,669▼ $199,553
Cash and Non-Interest-Bearing Accounts$73,200$54,136▼ $19,064
Receivables From Officers Etc$111,405$49,414▼ $61,991
Land, Buildings, and Equipment, Net$7,874$6,713▼ $1,161
Total Assets$4,578,477$4,161,477▼ $417,000
Other Assets Total$73,088$60,477▼ $12,611
Liabilities
Other Liabilities$3,944,574$3,585,492▼ $359,082
Accounts Payable and Accrued Expenses-$1,654-
Total Liabilities$3,944,574$3,587,146▼ $357,428
Net Assets / Fund Balance
Unrestricted Net Assets$633,903$574,331▼ $59,572
Total Net Assets Fund Balance$633,903$574,331▼ $59,572
Total Liabilities and Net Assets / Fund Balance$4,578,477$4,161,477▼ $417,000

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$2,082,000--
Equipment$6,713$41,935-
Other Assets Org$8,298--
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Carolyn MathisTreasurerFT$37,648$37,648

Board Members and Trustees

NameTitle
Gregory EverettChairperson
William RiggiVice Chair
Jennifer SharkeyBoard Member
Polly GillebaardBoard Member
Raymond GruarinBoard Member
Denise ClarkSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$136,239
Investment Income
$29,194
Other Revenue
$0
Change in Net Assets
$-59,572
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$124,294
Salaries, Compensation, and Employee Benefits$100,711
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$41,035$9,602-$50,637
Current Officers, Directors, Trustees, and Key Employees-$37,648-$37,648
Other Expenses$34,100--$34,100
All Other Expenses$14,943--$14,943
Occupancy$12,333--$12,333
Payroll Taxes$6,317$4,725-$11,042
Office Expenses$9,080--$9,080
Fees for Services Accounting$8,907--$8,907
Information Technology$7,212--$7,212
Insurance$7,157--$7,157
Fees for Services Other$3,713--$3,713
Depreciation Depletion$2,893--$2,893
Other Employee Benefits$830$554-$1,384
Travel$902--$902
Total Functional Expenses$172,476$52,529$0$225,005
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$111,405$49,414▼ $61,991
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$3,585,492
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Each credit union member has purchased a share in the credit union that allows them to receive services”

Member election for additional members Part VI line 7A

“Each year an annual meeting is held at which board of directors candidates are elected”

Governing body decisions Part VI line 7B

“Minutes of the board of directors monthly and special meetings are prepared by the secretary and are approved at the subsequent board meeting”

Form 990 governing body review Part VI line 11

“A copy of the form 990 is presented to the board for their review before filing”

CEO executive director top management comp Part VI line 15A

“An annual review of the manager is performed. The board of directors receives the annual review and salary adjustments are reviewed and approved.”

Other officer or key employee compensation Part VI line 15B

“Other employees are reviewed annually and salary adjustments are approved by the board of directors”

Governing documents etc available to public Part VI line 19

“Governing documents are available at the credit union office”

Filing and Contact Details

Filer

EIN
16-0570025

Signing Officer

Name
Gregory Everett
Title
Chairperson
Phone
7162836268
Signed
2015-05-18
Discuss with paid preparer
Yes

Organization Details

Formed
1938
Legal Domicile
Ny
Voting Board Members
7
Independent Board Members
6
Employees
5
Volunteers
10

Preparer

Preparer
Philip a Bleier
Phone
5852300188
Raw XML Appendix382 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EACH CREDIT UNION MEMBER HAS PURCHASED A SHARE IN THE CREDIT UNION THAT ALLOWS THEM TO RECEIVE SERVICES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH YEAR AN ANNUAL MEETING IS HELD AT WHICH BOARD OF DIRECTORS CANDIDATES ARE ELECTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MINUTES OF THE BOARD OF DIRECTORS MONTHLY AND SPECIAL MEETINGS ARE PREPARED BY THE SECRETARY AND ARE APPROVED AT THE SUBSEQUENT BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF THE FORM 990 IS PRESENTED TO THE BOARD FOR THEIR REVIEW BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AN ANNUAL REVIEW OF THE MANAGER IS PERFORMED. THE BOARD OF DIRECTORS RECEIVES THE ANNUAL REVIEW AND SALARY ADJUSTMENTS ARE REVIEWED AND APPROVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OTHER EMPLOYEES ARE REVIEWED ANNUALLY AND SALARY ADJUSTMENTS ARE APPROVED BY THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS ARE AVAILABLE AT THE CREDIT UNION OFFICE
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
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IRS990/TaxExemptBondsInd0false
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0225005
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IRS990/TotalLiabilitiesGrp/EOYAmt03587146
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0633903
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0574331
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0172476
IRS990/TotalProgramServiceRevenueAmt0136239
IRS990/TotalReportableCompFromOrgAmt037648
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0165433
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0165433
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04161477
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IRS990/TravelGrp/TotalAmt0902
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IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0NFPCCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0GREGORY EVERETT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRPERSON
ReturnHeader/BusinessOfficerGrp/PhoneNum07162836268
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-18
ReturnHeader/Filer/BusinessName/BusinessNameLine10NEW YORK STATE CHARTERD CREDIT
ReturnHeader/Filer/BusinessNameControlTxt0NEWY
ReturnHeader/Filer/EIN0160570025
ReturnHeader/Filer/USAddress/AddressLine108612 BUFFALO AVE
ReturnHeader/Filer/USAddress/City0NIAGARA FALLS
ReturnHeader/Filer/USAddress/State0NY
ReturnHeader/Filer/USAddress/ZIPCode0143044346
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0161428184
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10PHILIP A BLEIER CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1022 UNION SQUARE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0BATAVIA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode014020
ReturnHeader/PreparerPersonGrp/PhoneNum05852300188
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PHILIP A BLEIER
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-05-27T15:04:09-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,161,477
Liabilities
$3,587,146
Net assets
$574,331
Revenue
$165,433
Expenses
$225,005
Net income
-$59,572
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$3.79$3.26$0.53$0.14$0.18$0.04
2013Detailed filing. Detailed filing data is available for this year.$4.16$3.59$0.57$0.17$0.23$0.06