Civic Intelligence

Nu Community Credit Union

990 • Fiscal year 2016 • EIN 23-2048190

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 28, 2017

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

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

32nd percentile

17.06x

Higher debt load relative to revenue than 32% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

2nd percentile

-40%

Higher net margin than 2% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

12th percentile

$1,600

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 0.2% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

62nd percentile

3.3%

Faster asset growth than 62% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2016

Revenue Growth

27th percentile

-0.8%

Faster revenue growth than 27% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2016

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$19,093,827

Up $1,202,223 (+6.7%) from 2014

Net Assets

Down

$1,730,323

Down $497,167 (-22%) from 2014

Liabilities

Up

$17,363,504

Up $1,699,390 (+11%) from 2014

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin2nd percentile

Revenue

Down

$1,017,764

Down $17,443 (-1.7%) from 2014

Expenses

Up

$1,423,521

Up $570,019 (+67%) from 2014

Net Income

Down

-$405,757

Down $587,462 (-323%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth62nd 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

2016

Assets$19,093,827
Liabilities$17,363,504
Net Assets$1,730,323
Open 2016 Filing

Operations Trend

Revenue Growth27th 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

2016

Revenue$1,017,764
Expenses$1,423,521
Net Income-$405,757
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 28, 2017
Return Version
2016v3.0
Gross Receipts
$1,017,764
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$12,048,573$10,390,371▼ $1,658,202
Investments Other Securities$3,009,462$3,709,462▲ $700,000
Savings and Temporary Cash Investments$2,053,155$3,286,984▲ $1,233,829
Rtn Earn Endowment Incm Other Fnds$2,135,929$1,730,323▼ $405,606
Land, Buildings, and Equipment, Net$587,980$550,353▼ $37,627
Receivables From Officers Etc$432,014$438,678▲ $6,664
Cash and Non-Interest-Bearing Accounts$541,675$386,684▼ $154,991
Prepaid Expenses and Deferred Charges$25,104$28,671▲ $3,567
Total Assets$18,895,530$19,093,827▲ $198,297
Other Assets Total$197,567$302,624▲ $105,057
Liabilities
Other Liabilities$16,726,785$17,309,167▲ $582,382
Accounts Payable and Accrued Expenses$32,816$54,337▲ $21,521
Total Liabilities$16,759,601$17,363,504▲ $603,903
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,135,929$1,730,323▼ $405,606
Total Liabilities and Net Assets / Fund Balance$18,895,530$19,093,827▲ $198,297

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$428,402$94,250$522,652
Equipment$61,846$271,914$333,760
Leasehold Improvements$49,565$5,937$55,502
Land$10,540-$10,540
Other Securities$100,462--
Compensation and Service Providers
Top Officer Pay12th percentile

Employees

NameTitleBaseTotal
Elaine HooverBoard Member$1,600$1,600
Christian CastroBoard Member$1,100$1,100

Board Members and Trustees

NameTitle
Dave JohnsonPresident
Donald ReigelBoard Member
Leroy MillerBoard Member
Lon ShirkBoard Member
Patricia MillerBoard Member
Shirley BeuryBoard Member
Stephen BowersBoard Member
Tanya JohnsonBoard Member
Debby TroutmanSecretary
Ken FisherTreasurer
Dean MillerVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$983,126
Investment Income
$34,638
Other Revenue
$0
Change in Net Assets
$-405,757
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,154,636
Salaries, Compensation, and Employee Benefits$268,885
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$233,139
Fees for Services Other---$146,303
All Other Expenses---$90,861
Depreciation Depletion---$54,129
Other Expenses---$44,599
Occupancy---$24,759
Conferences and Meetings---$21,688
Information Technology---$21,280
Payroll Taxes---$20,628
Insurance---$19,232
Pension Plan Contributions---$12,682
Office Expenses---$12,398
Advertising---$3,693
Other Employee Benefits---$2,436
Fees for Services Legal---$1,950
Fees for Services Management---$1,895
Total Functional Expenses$0$0$0$1,423,521
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$432,014$438,678▲ $6,664
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$17,309,167
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
Trudy Hollenbach
Title
Manager
Phone
5705229710
Signed
2017-06-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Trudy Hollenbach
Voting Board Members
13
Independent Board Members
13
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 IX, Line 11G

“OTHER FEES 146,303 0 0”

Form 990, Part XI, Line 9

“Increase in regular reserves 151”

Raw XML Appendix388 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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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01730323
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt03286984
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IRS990ScheduleD/BuildingsGrp/BookValueAmt0428402
IRS990ScheduleD/BuildingsGrp/DepreciationAmt094250
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0522652
IRS990ScheduleD/EquipmentGrp/BookValueAmt061846
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0271914
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0333760
IRS990ScheduleD/LandGrp/BookValueAmt010540
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt010540
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt049565
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05937
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt055502
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt017309167
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03609000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1100462
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBER CAPITAL AT CORP CU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0550353
IRS990ScheduleD/TotalBookValueSecuritiesAmt03709462
IRS990ScheduleD/TotalLiabilityAmt017309167
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0438678
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS TO OFFICERS AND DIRECTORS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0438678
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/ExplanationTxt6OTHER FEES 146,303 0 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7INCREASE IN REGULAR RESERVES 151
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 IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt018895530
IRS990/TotalAssetsEOYAmt019093827
IRS990/TotalAssetsGrp/BOYAmt018895530
IRS990/TotalAssetsGrp/EOYAmt019093827
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01423521
IRS990/TotalGrossUBIAmt010756
IRS990/TotalLiabilitiesBOYAmt016759601
IRS990/TotalLiabilitiesEOYAmt017363504
IRS990/TotalLiabilitiesGrp/BOYAmt016759601
IRS990/TotalLiabilitiesGrp/EOYAmt017363504
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02135929
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01730323
IRS990/TotalProgramServiceRevenueAmt0983126
IRS990/TotalReportableCompFromOrgAmt02700
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01007008
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01017764
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt010756
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018895530
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019093827
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt013
IRS990/VotingMembersIndependentCnt013
IRS990/WebsiteAddressTxt0WWW.NUCREDITUNION.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TRUDY HOLLENBACH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05705229710
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-06-28
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/FilingSecurityInformation/AtSubmissionCreationDeviceId009699E7FB76805D56D296C2843376E53E787A655
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId009699E7FB76805D56D296C2843376E53E787A655
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/PreparationDt02017-06-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRIS W CARVER CPA
ReturnHeader/ReturnTs02017-06-29T11:04:35-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$19,093,827
Liabilities
$17,363,504
Net assets
$1,730,323
Revenue
$1,017,764
Expenses
$1,423,521
Net income
-$405,757
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