Civic Intelligence

Nu Community Credit Union

990 • Fiscal year 2017 • EIN 23-2048190

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 18, 2018

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

85th percentile

0.91x

Higher debt load relative to assets than 85% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

34th percentile

17.06x

Higher debt load relative to revenue than 34% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

4th percentile

-22%

Higher net margin than 4% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

1st percentile

-10%

Faster asset growth than 1% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

2nd percentile

-9.9%

Faster revenue growth than 2% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets85th percentile

Assets

Down

$17,179,190

Down $1,914,637 (-10%) from 2016

Net Assets

Down

$1,530,028

Down $200,295 (-12%) from 2016

Liabilities

Down

$15,649,162

Down $1,714,342 (-9.9%) from 2016

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin4th percentile

Revenue

Down

$917,458

Down $100,306 (-9.9%) from 2016

Expenses

Down

$1,117,868

Down $305,653 (-21%) from 2016

Net Income

Up

-$200,410

Up $205,347 (+51%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth1st 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

2017

Assets$17,179,190
Liabilities$15,649,162
Net Assets$1,530,028
Open 2017 Filing

Operations Trend

Revenue Growth2nd 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

2017

Revenue$917,458
Expenses$1,117,868
Net Income-$200,410
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 18, 2018
Return Version
2017v2.3
Gross Receipts
$917,458
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$10,390,371$8,663,034▼ $1,727,337
Savings and Temporary Cash Investments$3,286,984$3,905,473▲ $618,489
Investments Other Securities$3,709,462$3,027,462▼ $682,000
Rtn Earn Endowment Incm Other Fnds$1,730,323$1,530,028▼ $200,295
Land, Buildings, and Equipment, Net$550,353$526,399▼ $23,954
Cash and Non-Interest-Bearing Accounts$386,684$465,123▲ $78,439
Receivables From Officers Etc$438,678$362,097▼ $76,581
Prepaid Expenses and Deferred Charges$28,671$22,887▼ $5,784
Total Assets$19,093,827$17,179,190▼ $1,914,637
Other Assets Total$302,624$206,715▼ $95,909
Liabilities
Other Liabilities$17,309,167$15,618,555▼ $1,690,612
Accounts Payable and Accrued Expenses$54,337$30,607▼ $23,730
Total Liabilities$17,363,504$15,649,162▼ $1,714,342
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,730,323$1,530,028▼ $200,295
Total Liabilities and Net Assets / Fund Balance$19,093,827$17,179,190▼ $1,914,637

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$414,673$107,979$522,652
Equipment$47,469$286,291$333,760
Leasehold Improvements$46,717$8,785$55,502
Land$10,540-$10,540
Other Securities$100,462--
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Dave JohnsonPresident
Christian CastroBoard Member
Elaine HooverBoard Member
Leroy MillerBoard Member
Lon ShirkBoard Member
Patricia MillerBoard Member
Stephen BowersBoard Member
Tanya JohnsonBoard Member
Mary ErbSecretary
Debby TroutmanTreasurer
Dean MillerVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$869,938
Investment Income
$47,520
Other Revenue
$0
Change in Net Assets
$-200,410
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$902,944
Salaries, Compensation, and Employee Benefits$214,924
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$210,625
Other Salaries and Wages---$184,975
All Other Expenses---$89,710
Other Expenses---$58,441
Depreciation Depletion---$31,105
Occupancy---$25,929
Information Technology---$20,936
Insurance---$20,518
Payroll Taxes---$18,573
Pension Plan Contributions---$9,522
Fees for Services Legal---$6,305
Office Expenses---$5,926
Conferences and Meetings---$2,938
Advertising---$2,834
Other Employee Benefits---$1,854
Fees for Services Management---$759
Total Functional Expenses$0$0$0$1,117,868
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$438,678$362,097▼ $76,581
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$15,618,555
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
Linda S Brown
Title
Interim Manager
Phone
5705229710
Signed
2018-10-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Linda S Brown
Voting Board Members
11
Independent Board Members
11
Employees
7
Volunteers
11

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 210,625 0 0”

Form 990, Part XI, Line 9

“Increase in regular reserves 115”

Raw XML Appendix380 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/OtherSecuritiesGrp/MethodValuationCd1C
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IRS990ScheduleD/TotalBookValueSecuritiesAmt03027462
IRS990ScheduleD/TotalLiabilityAmt015618555
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0362097
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS TO OFFICERS AND DIRECTORS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0362097
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 210,625 0 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7INCREASE IN REGULAR RESERVES 115
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
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt017179190
IRS990/TotalAssetsGrp/BOYAmt019093827
IRS990/TotalAssetsGrp/EOYAmt017179190
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01117868
IRS990/TotalGrossUBIAmt09415
IRS990/TotalLiabilitiesBOYAmt017363504
IRS990/TotalLiabilitiesEOYAmt015649162
IRS990/TotalLiabilitiesGrp/BOYAmt017363504
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01730323
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01530028
IRS990/TotalProgramServiceRevenueAmt0869938
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0908043
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0917458
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt09415
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019093827
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017179190
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IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.NUCREDITUNION.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LINDA S BROWN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0INTERIM MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05705229710
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-10-18
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/AtSubmissionCreationDeviceId095BF8ECE43E0FD150D7FC307AD31ECC5E7C723B8
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId009699E7FB76805D56D296C2843376E53E787A655
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0173.163.28.101
ReturnHeader/FilingSecurityInformation/IPDt02018-10-22
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm014:39:59
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/PreparationDt02018-10-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRIS W CARVER CPA
ReturnHeader/ReturnTs02018-10-22T15:39:59-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,179,190
Liabilities
$15,649,162
Net assets
$1,530,028
Revenue
$917,458
Expenses
$1,117,868
Net income
-$200,410
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