Civic Intelligence

Nu Community Credit Union

990 • Fiscal year 2014 • EIN 23-2048190

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 02, 2015

Organization ProfileWWW.NUCREDITUNION.COM

View Organization Page

2613 State Rt 45Milton, PA 17847

(570) 522-9710

Siviq Scores

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

Liabilities / Assets

58th percentile

0.88x

Higher debt load relative to assets than 58% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

26th percentile

15.13x

Higher debt load relative to revenue than 26% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

85th percentile

18%

Higher net margin than 85% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

12th percentile

$1,100

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 0.1% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

19th percentile

-2.3%

Faster asset growth than 19% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

51st percentile

-0.1%

Faster revenue growth than 51% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$17,891,604

Down $429,929 (-2.3%) from 2013

Net Assets

Up

$2,227,490

Up $181,873 (+8.9%) from 2013

Liabilities

Down

$15,664,114

Down $611,802 (-3.8%) from 2013

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin85th percentile

Revenue

Down

$1,035,207

Down $735 (-0.1%) from 2013

Expenses

Down

$853,502

Down $647,058 (-43%) from 2013

Net Income

Up

$181,705

Up $646,323 (+139%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$20M$15M$10M$5.0M$0Assets 2011: $17,234,510Liabilities 2011: $14,925,271Net Assets 2011: $2,309,2392011Assets 2012: $17,214,739Liabilities 2012: $14,704,722Net Assets 2012: $2,510,0172012Assets 2013: $18,321,533Liabilities 2013: $16,275,916Net Assets 2013: $2,045,6172013Assets 2014: $17,891,604Liabilities 2014: $15,664,114Net Assets 2014: $2,227,4902014Assets 2016: $19,093,827Liabilities 2016: $17,363,504Net Assets 2016: $1,730,3232016Assets 2017: $17,179,190Liabilities 2017: $15,649,162Net Assets 2017: $1,530,0282017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2014

Assets$17,891,604
Liabilities$15,664,114
Net Assets$2,227,490
Open 2014 Filing

Operations Trend

Revenue Growth51st percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2011: $824,6722011Expenses 2012: $878,8162012Revenue 2013: $1,035,942Expenses 2013: $1,500,560Net Income 2013: -$464,6182013Revenue 2014: $1,035,207Expenses 2014: $853,502Net Income 2014: $181,7052014Revenue 2016: $1,017,764Expenses 2016: $1,423,521Net Income 2016: -$405,7572016Revenue 2017: $917,458Expenses 2017: $1,117,868Net Income 2017: -$200,4102017Revenue 2018: $370,190Expenses 2018: $520,032Net Income 2018: -$149,8422018

Highlighted filing

2014

Revenue$1,035,207
Expenses$853,502
Net Income$181,705
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 2, 2015
Return Version
2014v5.0
Gross Receipts
$1,035,207
Mission and Program Overview

Mission

To provide co-operative financial services to their members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$12,855,021$12,601,428▼ $253,593
Investments Other Securities$1,567,462$2,640,462▲ $1,073,000
Rtn Earn Endowment Incm Other Fnds$2,045,617$2,227,490▲ $181,873
Receivables From Officers Etc$838,524$728,150▼ $110,374
Land, Buildings, and Equipment, Net$260,669$627,874▲ $367,205
Savings and Temporary Cash Investments$2,276,965$617,896▼ $1,659,069
Cash and Non-Interest-Bearing Accounts$310,051$452,233▲ $142,182
Prepaid Expenses and Deferred Charges$36,999$27,270▼ $9,729
Total Assets$18,321,533$17,891,604▼ $429,929
Other Assets Total$175,842$196,291▲ $20,449
Liabilities
Other Liabilities$16,229,180$15,625,777▼ $603,403
Accounts Payable and Accrued Expenses$46,736$38,337▼ $8,399
Total Liabilities$16,275,916$15,664,114▼ $611,802
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,045,617$2,227,490▲ $181,873
Total Liabilities and Net Assets / Fund Balance$18,321,533$17,891,604▼ $429,929

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$441,525$65,933$507,458
Equipment$120,548$198,376$318,924
Leasehold Improvements$55,261$241$55,502
Land$10,540-$10,540
Other Securities$100,462--
Compensation and Service Providers
Top Officer Pay12th percentile

Employees

NameTitleBaseTotal
Stephen BowersBoard Member$1,100$1,100
Elaine HooverBoard Member$1,006$1,006
John OsterhoudtBoard Member$900$900
Ken FisherTreasurer$900$900
Joshua MessimerBoard Member$708$708
Christian CastroBoard Member$700$700
Dave JohnsonPresident$700$700

Board Members and Trustees

NameTitle
Donald ReigelBoard Member
Scott FarrBoard Member
Shirley BeuryBoard Member
Trudy HollenbachSecretary
Dean MillerVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,017,664
Investment Income
$17,543
Other Revenue
$0
Change in Net Assets
$181,705
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$487,523
Salaries, Compensation, and Employee Benefits$365,979
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$316,717
Depreciation Depletion---$49,863
Conferences and Meetings---$49,831
Other Expenses---$37,607
Occupancy---$30,788
Payroll Taxes---$27,099
All Other Expenses---$26,678
Information Technology---$22,749
Insurance---$20,053
Pension Plan Contributions---$17,225
Fees for Services Other---$14,905
Office Expenses---$11,763
Advertising---$10,772
Fees for Services Accounting---$5,700
Other Employee Benefits---$4,938
Fees for Services Management---$2,467
Fees for Services Legal---$424
Total Functional Expenses$0$0$0$853,502
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$838,524$728,150▼ $110,374
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$15,625,777
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Credit unions are comprised of members”

Form 990, Page 6, Part VI, Line 7A

“Members elect the governing body (board of directors).”

Form 990, Page 6, Part VI, Line 11B

“Management reviews form 990 with board of directors prior to filing.”

Form 990, Page 6, Part VI, Line 15A

“Compensation is reviewed annually by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Nu Community Credit Union
EIN
23-2048190
Phone
5705229710
Address
2613 STATE RT 45, MILTON, PA 17847

Signing Officer

Name
Mindy Plasters
Title
CEO
Phone
5705229710
Signed
2015-11-02
Discuss with paid preparer
Yes

Organization Details

Voting Board Members
12
Independent Board Members
12
Employees
6

Preparer

Firm
Carver and Associates LLC
Address
1221 WYOMING AVE, FORTY FORT, PA 18704-4101
Preparer
Chris W Carver CPA
Phone
5706933662
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To provide co-operative financial services to their member”

Form 990, Part XI, Line 9

“Increase in regular reserves 168”

Raw XML Appendix375 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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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0318924
IRS990ScheduleD/LandGrp/BookValueAmt010540
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt010540
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt055261
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0241
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt055502
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015625777
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1100462
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
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IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
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IRS990ScheduleD/TotalBookValueSecuritiesAmt02640462
IRS990ScheduleD/TotalLiabilityAmt015625777
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0728150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS TO OFFICERS AND DIRECTORS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0728150
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROVIDE CO-OPERATIVE FINANCIAL SERVICES TO THEIR MEMBER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNIONS ARE COMPRISED OF MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS ELECT THE GOVERNING BODY (BOARD OF DIRECTORS).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT REVIEWS FORM 990 WITH BOARD OF DIRECTORS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION IS REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6INCREASE IN REGULAR RESERVES 168
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt018321533
IRS990/TotalAssetsEOYAmt017891604
IRS990/TotalAssetsGrp/BOYAmt018321533
IRS990/TotalAssetsGrp/EOYAmt017891604
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0853502
IRS990/TotalGrossUBIAmt09541
IRS990/TotalLiabilitiesBOYAmt016275916
IRS990/TotalLiabilitiesEOYAmt015664114
IRS990/TotalLiabilitiesGrp/BOYAmt016275916
IRS990/TotalLiabilitiesGrp/EOYAmt015664114
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02045617
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02227490
IRS990/TotalProgramServiceRevenueAmt01017664
IRS990/TotalReportableCompFromOrgAmt06014
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01025666
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01035207
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt09541
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018321533
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017891604
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MINDY PLASTERS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05705229710
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NU COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0NUCO
ReturnHeader/Filer/EIN0232048190
ReturnHeader/Filer/PhoneNum05705229710
ReturnHeader/Filer/USAddress/AddressLine1Txt02613 STATE RT 45
ReturnHeader/Filer/USAddress/CityNm0MILTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd017847
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0232936821
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CARVER AND ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01221 WYOMING AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FORTY FORT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0187044101
ReturnHeader/PreparerPersonGrp/PhoneNum05706933662
ReturnHeader/PreparerPersonGrp/PreparationDt02015-11-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRIS W CARVER CPA
ReturnHeader/ReturnTs02015-11-03T14:22:56-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$17,891,604
Liabilities
$15,664,114
Net assets
$2,227,490
Revenue
$1,035,207
Expenses
$853,502
Net income
$181,705
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.37$0.52$0.15
2017Detailed filing. Detailed filing data is available for this year.$17.2$15.6$1.53$0.92$1.12$0.20
2016Detailed filing. Detailed filing data is available for this year.$19.1$17.4$1.73$1.02$1.42$0.41
2014Detailed filing. Detailed filing data is available for this year.$17.9$15.7$2.23$1.04$0.85$0.18
2013Detailed filing. Detailed filing data is available for this year.$18.3$16.3$2.05$1.04$1.50$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.2$14.7$2.51$0.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.2$14.9$2.31$0.82