Civic Intelligence

State Chartered Credit Unions in North Carolina

990 • Fiscal year 2016 • EIN 23-7056307

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 15, 2017

Organization Profilegucocreditunion.org

View Organization Page

523 Evans StreetGreenville, NC 27858

(252) 551-1599

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.

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

Liabilities / Revenue

81st percentile

27.54x

Higher debt load relative to revenue than 81% of similar nonprofits.

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

Net Margin

41st percentile

4.2%

Higher net margin than 41% of similar nonprofits.

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

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.

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

Asset Growth

76th percentile

5.1%

Faster asset growth than 76% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

28th percentile

-0.7%

Faster revenue growth than 28% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$13,459,101

Up $658,949 (+5.1%) from 2015

Net Assets

Up

$1,673,661

Up $17,959 (+1.1%) from 2015

Liabilities

Up

$11,785,440

Up $640,990 (+5.8%) from 2015

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin41st percentile

Revenue

Down

$427,990

Down $3,095 (-0.7%) from 2015

Expenses

Up

$410,031

Up $8,391 (+2.1%) from 2015

Net Income

Down

$17,959

Down $11,486 (-39%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth76th percentile

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

$15M$10M$5.0M$0Assets 2011: $12,621,967Liabilities 2011: $11,141,396Net Assets 2011: $1,480,5712011Assets 2013: $13,090,898Liabilities 2013: $11,488,157Net Assets 2013: $1,602,7412013Assets 2014: $13,069,441Liabilities 2014: $11,443,184Net Assets 2014: $1,626,2572014Assets 2015: $12,800,152Liabilities 2015: $11,144,450Net Assets 2015: $1,655,7022015Assets 2016: $13,459,101Liabilities 2016: $11,785,440Net Assets 2016: $1,673,6612016Assets 2017: $12,968,048Liabilities 2017: $11,287,273Net Assets 2017: $1,680,7752017Assets 2018: $12,036,952Liabilities 2018: $10,336,579Net Assets 2018: $1,700,3732018Assets 2019: $11,395,214Liabilities 2019: $9,624,095Net Assets 2019: $1,771,1192019Assets 2020: $12,262,018Liabilities 2020: $10,453,729Net Assets 2020: $1,808,2892020Assets 2021: $12,941,504Liabilities 2021: $11,122,975Net Assets 2021: $1,818,5292021Assets 2022: $12,976,273Liabilities 2022: $11,169,099Net Assets 2022: $1,807,1742022

Highlighted filing

2016

Assets$13,459,101
Liabilities$11,785,440
Net Assets$1,673,661
Open 2016 Filing

Operations Trend

Revenue Growth28th percentile

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

$600K$400K$200K$0-$200KExpenses 2011: $491,6582011Revenue 2013: $475,699Expenses 2013: $433,473Net Income 2013: $42,2262013Revenue 2014: $441,221Expenses 2014: $417,704Net Income 2014: $23,5172014Revenue 2015: $431,085Expenses 2015: $401,640Net Income 2015: $29,4452015Revenue 2016: $427,990Expenses 2016: $410,031Net Income 2016: $17,9592016Revenue 2017: $420,603Expenses 2017: $413,489Net Income 2017: $7,1142017Revenue 2018: $442,318Expenses 2018: $422,720Net Income 2018: $19,5982018Revenue 2019: $467,388Expenses 2019: $396,642Net Income 2019: $70,7462019Revenue 2020: $439,174Expenses 2020: $402,004Net Income 2020: $37,1702020Revenue 2021: $384,638Expenses 2021: $374,398Net Income 2021: $10,2402021Revenue 2022: $353,214Expenses 2022: $364,569Net Income 2022: -$11,3552022

Highlighted filing

2016

Revenue$427,990
Expenses$410,031
Net Income$17,959
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 15, 2017
Return Version
2016v3.0
Gross Receipts
$427,990
Mission and Program Overview

Mission

GUCO Credit Union is a not for profit financial cooperative that serves its members by offering deposit accounts and loans at reasonable rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$6,503,083$6,578,083▲ $75,000
Other Notes and Loans Receivable, Net$5,540,126$6,391,030▲ $850,904
Rtn Earn Endowment Incm Other Fnds$1,655,702$1,673,661▲ $17,959
Cash and Non-Interest-Bearing Accounts$612,624$350,327▼ $262,297
Prepaid Expenses and Deferred Charges$134,913$134,623▼ $290
Land, Buildings, and Equipment, Net$9,406$5,038▼ $4,368
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$12,800,152$13,459,101▲ $658,949
Liabilities
Other Liabilities$11,132,171$11,768,484▲ $636,313
Accounts Payable and Accrued Expenses$12,279$16,956▲ $4,677
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$11,144,450$11,785,440▲ $640,990
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,655,702$1,673,661▲ $17,959
Total Liabilities and Net Assets / Fund Balance$12,800,152$13,459,101▲ $658,949

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$5,038$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Tony L SmartPresident
Janet V DrinnonVice-President
Bernita DemeryDirector
Lambert GarrisDirector
Jeffrey Scott MullisSecretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$337,727
Investment Income
$90,263
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$17,959
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$223,084
Salaries, Compensation, and Employee Benefits$186,947
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$131,635
Office Expenses---$81,522
Interest---$77,765
Other Employee Benefits---$34,141
All Other Expenses---$31,999
Occupancy---$23,013
Pension Plan Contributions---$21,171
Fees for Services Accounting---$8,700
Travel---$85
Total Functional Expenses$0$0$0$410,031
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member deposit accounts$11,768,484
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
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

Form 990, Part VI, Section A, Line 6

“All account holders at the credit union are members.”

Form 990, Part VI, Section A, Line 7A

“At the credit union annual meeting, all credit union members have a vote in the election of the credit union board of directors.”

Form 990, Part VI, Section B, Line 11B

“All of the directors of the credit union review Form 990 along with all supporting documents, materials and financials. The Board of Directors ask questions and approve the filing of Form 990 once all questions are answered.”

Form 990, Part VI, Section B, Line 15

“The position of Credit Union Manager is reviewed on an annual basis. The last review was 2016. The Board of Directors discuss and review industry salary data, cost of living index, performance of individual and other information as needed.”

Form 990, Part VI, Section C, Line 19

“Financial statements are on public display at all times.”

Filing and Contact Details

Filer

Filer Name
GUCO Credit Union
EIN
23-7056307
Phone
2525511599
Address
523 Evans Street, Greenville, NC 27858

Signing Officer

Name
Timothy Lineberry
Title
General Manager / CEO
Phone
2525511599
Signed
2017-06-15

Organization Details

Principal Officer
Tony L Smart
Formed
1970
Legal Domicile
Nc
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
10
Raw XML AppendixShowing 400 of 457 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/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0328818
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18909
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0328818
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt18909
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0818
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt075269
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0222630
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0355816
IRS990/PYRevenuesLessExpensesAmt029445
IRS990/PYSalariesCompEmpBnftPaidAmt0178192
IRS990/PYTotalExpensesAmt0401640
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0431085
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt017959
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01655702
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01673661
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06503083
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06578083
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt05038
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt05038
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt011768484
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member deposit accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05038
IRS990ScheduleD/TotalLiabilityAmt011768484
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt033763
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt122998
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt236375
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Vehicle Purchase
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Vehicle Purchase
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Vehicle Purchase
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt053168
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt131111
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt236375
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Tony L Smart
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Lambert Garris
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Bernita Demery
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0President
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/TotalBalanceDueAmt093136
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All account holders at the credit union are members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1At the credit union annual meeting, all credit union members have a vote in the election of the credit union board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2All of the directors of the credit union review Form 990 along with all supporting documents, materials and financials. The Board of Directors ask questions and approve the filing of Form 990 once all questions are answered.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The position of Credit Union Manager is reviewed on an annual basis. The last review was 2016. The Board of Directors discuss and review industry salary data, cost of living index, performance of individual and other information as needed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Financial statements are on public display at all times.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt012800152
IRS990/TotalAssetsEOYAmt013459101
IRS990/TotalAssetsGrp/BOYAmt012800152
IRS990/TotalAssetsGrp/EOYAmt013459101
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0410031
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt011144450

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$13,459,101
Liabilities
$11,785,440
Net assets
$1,673,661
Revenue
$427,990
Expenses
$410,031
Net income
$17,959
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.0$11.2$1.81$0.35$0.36$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.9$11.1$1.82$0.38$0.37$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.3$10.5$1.81$0.44$0.40$0.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.4$9.62$1.77$0.47$0.40$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.0$10.3$1.70$0.44$0.42$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.0$11.3$1.68$0.42$0.41$0.01
2016Detailed filing. Detailed filing data is available for this year.$13.5$11.8$1.67$0.43$0.41$0.02
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.8$11.1$1.66$0.43$0.40$0.03
2014Detailed filing. Detailed filing data is available for this year.$13.1$11.4$1.63$0.44$0.42$0.02
2013Detailed filing. Detailed filing data is available for this year.$13.1$11.5$1.60$0.48$0.43$0.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.6$11.1$1.48$0.49