Civic Intelligence

Crmc Employees Cu

EIN 23-7421343 • 501(c)14 • Douglas, GA

Profile

Credit union - to provide services to approzimately 1,300 members in the form of loans, savings, and other financial services.

195 Westside DrDouglas, GA 31533

n/A

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.82x

Higher debt load relative to assets than 53% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Liabilities / Revenue

89th percentile

26.74x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Net Margin

62nd percentile

6.2%

Higher net margin than 62% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

89th percentile

3.9%

Faster asset growth than 89% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2022

Revenue Growth

42nd percentile

-4.1%

Faster revenue growth than 42% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2022

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Down

$2,889,744

Down $230,064 (-7.4%) from 2022

Liabilities

Down

$2,290,388

Down $272,878 (-11%) from 2022

Net Assets

Up

$599,356

Up $42,814 (+7.7%) from 2022

Operations
Liabilities / Revenue89th percentileNet Margin62nd percentile

Revenue

Up

$140,710

Up $44,840 (+47%) from 2022

Expenses

Up

$97,871

Up $7,978 (+8.9%) from 2022

Net Income

Up

$42,839

Up $36,862 (+617%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $2,006,943Liabilities 2010: $1,652,652Net Assets 2010: $354,2912010Assets 2011: $2,257,969Liabilities 2011: $1,913,594Net Assets 2011: $344,3752011Assets 2012: $2,414,421Liabilities 2012: $2,050,349Net Assets 2012: $364,0722012Assets 2013: $2,464,715Liabilities 2013: $2,079,345Net Assets 2013: $385,3702013Assets 2014: $2,413,018Liabilities 2014: $2,002,428Net Assets 2014: $410,5902014Assets 2015: $2,316,139Liabilities 2015: $1,890,122Net Assets 2015: $426,0172015Assets 2016: $2,421,388Liabilities 2016: $1,972,612Net Assets 2016: $448,7762016Assets 2017: $2,547,326Liabilities 2017: $2,076,922Net Assets 2017: $470,4042017Assets 2018: $2,536,036Liabilities 2018: $2,039,276Net Assets 2018: $496,7602018Assets 2019: $2,690,050Liabilities 2019: $2,218,261Net Assets 2019: $471,7892019Assets 2020: $2,891,321Liabilities 2020: $2,339,793Net Assets 2020: $551,5282020Assets 2021: $3,121,953Liabilities 2021: $2,571,413Net Assets 2021: $550,5402021Assets 2022: $3,119,808Liabilities 2022: $2,563,266Net Assets 2022: $556,5422022Assets 2023: $2,889,744Liabilities 2023: $2,290,388Net Assets 2023: $599,3562023

Highlighted filing

2023

Assets$2,889,744
Liabilities$2,290,388
Net Assets$599,356
Open 2023 Filing

Operations Trend

Revenue Growth42nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150K$100K$50K$0-$50KExpenses 2010: $53,8282010Expenses 2011: $53,3422011Expenses 2012: $51,6402012Revenue 2013: $70,189Expenses 2013: $48,892Net Income 2013: $21,2972013Revenue 2014: $66,071Expenses 2014: $40,851Net Income 2014: $25,2202014Revenue 2015: $72,650Expenses 2015: $57,223Net Income 2015: $15,4272015Revenue 2016: $78,301Expenses 2016: $55,542Net Income 2016: $22,7592016Revenue 2017: $80,928Expenses 2017: $59,301Net Income 2017: $21,6272017Revenue 2018: $87,178Expenses 2018: $60,821Net Income 2018: $26,3572018Revenue 2019: $97,549Expenses 2019: $67,249Net Income 2019: $30,3002019Revenue 2020: $104,199Expenses 2020: $79,732Net Income 2020: $24,4672020Revenue 2021: $91,169Expenses 2021: $92,190Net Income 2021: -$1,0212021Revenue 2022: $95,870Expenses 2022: $89,893Net Income 2022: $5,9772022Revenue 2023: $140,710Expenses 2023: $97,871Net Income 2023: $42,8392023

Highlighted filing

2023

Revenue$140,710
Expenses$97,871
Net Income$42,839
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,889,744
Liabilities
$2,290,388
Net assets
$599,356
Revenue
$140,710
Expenses
$97,871
Net income
$42,839
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$2.89$2.29$0.60$0.14$0.10$0.04
2022Detailed filing. Detailed filing data is available for this year.$3.12$2.56$0.56$0.10$0.09$0.01
2021Detailed filing. Detailed filing data is available for this year.$3.12$2.57$0.55$0.09$0.09$0.00
2020Detailed filing. Detailed filing data is available for this year.$2.89$2.34$0.55$0.10$0.08$0.02
2019Detailed filing. Detailed filing data is available for this year.$2.69$2.22$0.47$0.10$0.07$0.03
2018Detailed filing. Detailed filing data is available for this year.$2.54$2.04$0.50$0.09$0.06$0.03
2017Detailed filing. Detailed filing data is available for this year.$2.55$2.08$0.47$0.08$0.06$0.02
2016Detailed filing. Detailed filing data is available for this year.$2.42$1.97$0.45$0.08$0.06$0.02
2015Detailed filing. Detailed filing data is available for this year.$2.32$1.89$0.43$0.07$0.06$0.02
2014Detailed filing. Detailed filing data is available for this year.$2.41$2.00$0.41$0.07$0.04$0.03
2013Detailed filing. Detailed filing data is available for this year.$2.46$2.08$0.39$0.07$0.05$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.41$2.05$0.36$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.26$1.91$0.34$0.05
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.01$1.65$0.35$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Apr 29, 2024
Return Version
2023v5.0
Gross Receipts
$140,710
Mission and Program Overview

Mission

To provide thrift savings and borrowing to its 305 members

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$1,292,037$1,775,562▲ $483,525
Savings and Temporary Cash Investments-$1,025,000-
Rtn Earn Endowment Incm Other Fnds$501,270$544,084▲ $42,814
Cash and Non-Interest-Bearing Accounts$597,790$58,988▼ $538,802
Cap Stk Tr Prin Current Funds$55,272$55,272→ $0
Prepaid Expenses and Deferred Charges$4,049$4,225▲ $176
Investments Other Securities$1,200,500$500▼ $1,200,000
Total Assets$3,119,808$2,889,744▼ $230,064
Other Assets Total$25,432$25,469▲ $37
Liabilities
Other Liabilities$2,546,921$2,275,743▼ $271,178
Accounts Payable and Accrued Expenses$16,345$14,645▼ $1,700
Total Liabilities$2,563,266$2,290,388▼ $272,878
Net Assets / Fund Balance
Total Net Assets Fund Balance$556,542$599,356▲ $42,814
Total Liabilities and Net Assets / Fund Balance$3,119,808$2,889,744▼ $230,064
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Mattie BivensManagerFT$57,485$57,485

Board Members and Trustees

NameTitle
Sherry ThomasBoard Chairp
Amanda StricklandBoard Member
Brenda ReynoldsBoard Member
Peggy KirklandBoard Member
Teresa ChaneyBoard Member
Shonda DulapBoard Sec/tr
Mel MccranieBoard Vice C
Mindy LottAudit COM Me
Lavonda CraveyBod Mem/audc
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$93,884
Investment Income
$46,826
Other Revenue
$0
Change in Net Assets
$42,839
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$57,485
Other Expenses$40,386
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$57,485-$57,485
Office Expenses-$11,536-$11,536
Interest-$5,894-$5,894
Other Expenses-$3,200-$3,200
All Other Expenses-$3,074-$3,074
Total Functional Expenses$0$97,871$0$97,871
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$2,275,743
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

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

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

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

“Some decisions made by the board of directors are affirmed by the members.”

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

“The form 990 is reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

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

“The credit union has no official compensation process.”

Form 990, Page 6, Part VI, Line 19

“Finanical documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Crmc Employees Cu
EIN
23-7421343
Phone
9123841900
Address
195 WESTSIDE DR, DOUGLAS, GA 31533

Signing Officer

Name
Mattie Bivens
Title
Manager
Phone
9123835640
Signed
2024-04-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mattie Bivens
Formed
1972
Legal Domicile
Ga
Voting Board Members
8
Independent Board Members
8
Employees
1
Volunteers
9

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors, audit committee, and credit committee.”

Form 990, Page 5, Part V, Line 3B

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“Other changes 0 adjustment changes -25 total -25”

Raw XML Appendix339 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, AUDIT COMMITTEE, AND CREDIT COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION HAS NO OFFICIAL COMPENSATION PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANICAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8OTHER CHANGES 0 ADJUSTMENT CHANGES -25 TOTAL -25
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MATTIE BIVENS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09123835640
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-04-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CRMC EMPLOYEES CU
ReturnHeader/Filer/BusinessNameControlTxt0CRMC
ReturnHeader/Filer/EIN0237421343
ReturnHeader/Filer/PhoneNum09123841900
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02024-04-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02024-04-29T20:42:48-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0MATTIE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0BIVENS
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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