Civic Intelligence

New York State Charterd Credit

EIN 16-0570025 • 501(c)14 • Niagara Falls, NY

Profile

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

8612 Buffalo AveNiagara Falls, NY 14304-4346

nfpccu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

74th percentile

0.86x

Higher debt load relative to assets than 74% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

90th percentile

22.76x

Higher debt load relative to revenue than 90% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

22nd percentile

-28%

Higher net margin than 22% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

40th percentile

$35,471

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 24.8% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

51st percentile

-8.8%

Faster asset growth than 51% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

34th percentile

-13%

Faster revenue growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets74th percentile

Assets

Down

$3,794,718

Down $366,759 (-8.8%) from 2013

Liabilities

Down

$3,260,620

Down $326,526 (-9.1%) from 2013

Net Assets

Down

$534,098

Down $40,233 (-7.0%) from 2013

Operations
Liabilities / Revenue90th percentileNet Margin22nd percentile

Revenue

Down

$143,290

Down $22,143 (-13%) from 2013

Expenses

Down

$183,523

Down $41,482 (-18%) from 2013

Net Income

Up

-$40,233

Up $19,339 (+32%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth51st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$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

2014

Assets$3,794,718
Liabilities$3,260,620
Net Assets$534,098
Open 2014 Filing

Operations Trend

Revenue Growth34th percentile

Revenue, expenses, and net income by year, with the latest 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

2014

Revenue$143,290
Expenses$183,523
Net Income-$40,233
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,794,718
Liabilities
$3,260,620
Net assets
$534,098
Revenue
$143,290
Expenses
$183,523
Net income
-$40,233
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 18, 2015
Return Version
2014v5.0
Gross Receipts
$143,290
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
Other Notes and Loans Receivable, Net$1,834,068$2,000,518▲ $166,450
Investments Program Related$2,082,000$1,622,000▼ $460,000
Receivables From Officers Etc$49,414$67,080▲ $17,666
Cash and Non-Interest-Bearing Accounts$54,136$38,385▼ $15,751
Land, Buildings, and Equipment, Net$6,713$6,371▼ $342
Savings and Temporary Cash Investments$74,669$4,074▼ $70,595
Total Assets$4,161,477$3,794,718▼ $366,759
Other Assets Total$60,477$56,290▼ $4,187
Liabilities
Other Liabilities$3,585,492$3,227,237▼ $358,255
Unsecured Notes Loans Payable-$32,131-
Accounts Payable and Accrued Expenses$1,654$1,252▼ $402
Total Liabilities$3,587,146$3,260,620▼ $326,526
Net Assets / Fund Balance
Unrestricted Net Assets$574,331$534,098▼ $40,233
Total Net Assets Fund Balance$574,331$534,098▼ $40,233
Total Liabilities and Net Assets / Fund Balance$4,161,477$3,794,718▼ $366,759

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$1,622,000--
Equipment$6,371$44,780-
Other Assets Org$8,933--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Emma SmalleyTreasurerFT$35,471$35,471

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$126,035
Investment Income
$17,255
Other Revenue
$0
Change in Net Assets
$-40,233
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$106,780
Salaries, Compensation, and Employee Benefits$76,743
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$32,154$35,471-$67,625
Other Expenses$22,653--$22,653
Occupancy$11,736--$11,736
Office Expenses$11,501--$11,501
Payroll Taxes$4,264$3,547-$7,811
Fees for Services Accounting$7,654--$7,654
Information Technology$6,491--$6,491
Insurance$6,182--$6,182
Fees for Services Other$5,999--$5,999
All Other Expenses$5,865--$5,865
Depreciation Depletion$2,845--$2,845
Other Employee Benefits$705$602-$1,307
Advertising$1,059--$1,059
Travel$464--$464
Total Functional Expenses$143,903$39,620$0$183,523
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$49,414$67,080▲ $17,666
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$3,227,237
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

Filer Name
New York State Charterd Credit
EIN
16-0570025
Address
8612 BUFFALO AVE, NIAGARA FALLS, NY 14304-4346
Doing Business As
Niagara Falls Penn Central Emp

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
6
Independent Board Members
5
Employees
6

Preparer

Firm
Philip a Bleier CPA
Address
22 UNION SQUARE, BATAVIA, NY 14020
Preparer
Philip a Bleier
Phone
5852300188
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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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2NEW AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HOME IMPROVEMENT
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt113131
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt219871
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt323814
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0GREGORY EVERETT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1WILLIAM RIGGI
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2GREGORY EVERETT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3JENNIFER SHARKEY
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
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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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
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/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt03794718
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IRS990/TotalAssetsGrp/EOYAmt03794718
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IRS990/TotalEmployeeCnt06
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt039620
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0143903
IRS990/TotalFunctionalExpensesGrp/TotalAmt0183523
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03587146
IRS990/TotalLiabilitiesEOYAmt03260620
IRS990/TotalLiabilitiesGrp/BOYAmt03587146
IRS990/TotalLiabilitiesGrp/EOYAmt03260620
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0574331
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0534098
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0143903
IRS990/TotalProgramServiceRevenueAmt0126035
IRS990/TotalReportableCompFromOrgAmt035471
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0143290
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0143290
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04161477
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03794718
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt0464
IRS990/TravelGrp/TotalAmt0464
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0574331
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0534098
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt032131
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt05
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/BusinessNameLine1Txt0NEW YORK STATE CHARTERD CREDIT
ReturnHeader/Filer/BusinessNameControlTxt0NEWY
ReturnHeader/Filer/EIN0160570025
ReturnHeader/Filer/USAddress/AddressLine1Txt08612 BUFFALO AVE
ReturnHeader/Filer/USAddress/CityNm0NIAGARA FALLS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd0143044346
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0161428184
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PHILIP A BLEIER CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt022 UNION SQUARE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BATAVIA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd014020
ReturnHeader/PreparerPersonGrp/PhoneNum05852300188
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PHILIP A BLEIER
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-05-27T15:06:00-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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