Civic Intelligence

Crmc Employees Credit Union

990 • Fiscal year 2013 • EIN 23-7421343

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 31, 2014

Organization ProfileN/A
196 Westside Drive31533

(912) 384-1900

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.84x

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

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

89th percentile

29.62x

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

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

95th percentile

30%

Higher net margin than 95% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

20th percentile

$0

Higher top officer pay than 20% of similar nonprofits.

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

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

61st percentile

2.1%

Faster asset growth than 61% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$2,464,715

Up $50,294 (+2.1%) from 2012

Net Assets

Up

$385,370

Up $21,298 (+5.8%) from 2012

Liabilities

Up

$2,079,345

Up $28,996 (+1.4%) from 2012

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin95th percentile

Revenue

$70,189

No earlier filing loaded for comparison.

Expenses

Down

$48,892

Down $2,748 (-5.3%) from 2012

Net Income

$21,297

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth61st percentile

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

$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

2013

Assets$2,464,715
Liabilities$2,079,345
Net Assets$385,370
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$70,189
Expenses$48,892
Net Income$21,297
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 31, 2014
Return Version
2013v3.1
Gross Receipts
$70,189
Mission and Program Overview

Mission

To provide thrift savings and borrowing to its 305 members

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$1,305,154$1,405,154▲ $100,000
Other Notes and Loans Receivable, Net$739,590$772,367▲ $32,777
Rtn Earn Endowment Incm Other Fnds$364,072$385,370▲ $21,298
Cash and Non-Interest-Bearing Accounts$349,646$220,104▼ $129,542
Receivables From Officers Etc$192$45,487▲ $45,295
Investments Program Related$19,133$20,500▲ $1,367
Prepaid Expenses and Deferred Charges$706$1,103▲ $397
Total Assets$2,414,421$2,464,715▲ $50,294
Liabilities
Other Liabilities$2,049,964$2,078,789▲ $28,825
Accounts Payable and Accrued Expenses$385$556▲ $171
Total Liabilities$2,050,349$2,079,345▲ $28,996
Net Assets / Fund Balance
Total Net Assets Fund Balance$364,072$385,370▲ $21,298
Total Liabilities and Net Assets / Fund Balance$2,414,421$2,464,715▲ $50,294

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$1,405,154--
Compensation and Service Providers
Top Officer Pay20th percentile

Board Members and Trustees

NameTitle
Mel G MccrainieVice Chairperson
Chery D SolomonBoard
Darren ShrouderBoard
Lavonda CraveyBoard
Peggy S KirklandBoard
Teresa ChaneyBoard
Sherry T ThomasBoard Member
Mattie L LewisManager
Mona MooreSupervisory Committee Member
Sandy GrahamSupervisory Committee Member
Amanda K FannTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$56,440
Investment Income
$9,120
Other Revenue
$4,629
Change in Net Assets
$21,297
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$48,892
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$35,680$0$0$35,680
Interest$5,425$0$0$5,425
Insurance$1,787$0$0$1,787
Total Functional Expenses$48,892$0$0$48,892
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$192$45,487▲ $45,295
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$2,078,789
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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
Filing and Contact Details

Filer

EIN
23-7421343
Phone
9123841900

Signing Officer

Name
Mattie Lewis
Title
Manager
Phone
9123841900
Signed
2014-10-31

Organization Details

Principal Officer
Mattie Lewis
Formed
1972
Legal Domicile
Ga
Voting Board Members
12
Independent Board Members
12
Employees
0
Volunteers
12

Preparer

Preparer
Stephen J Smith Ea
Supplemental Narrative

Additional Explanations

Pt VI, Line 8A

“Set and approved by board.”

Pt VI, Line 15A

“Salary are set and approved by the board.”

Pt VI, Line 8B

“Set and approved by board.”

Pt VI, Line 11B

“BOARD REVIEW.”

Form 990, Part IX, Line 24F

“Miscellaneous operating fees”

Raw XML Appendix365 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2THOMAS SHERRY T
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3THOMAS SHERRY T
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0MANAGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/TotalBalanceDueAmt045487
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SET AND APPROVED BY BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SALARY ARE SET AND APPROVED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SET AND APPROVED BY BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MISCELLANEOUS OPERATING FEES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02414421
IRS990/TotalAssetsEOYAmt02464715
IRS990/TotalAssetsGrp/BOYAmt02414421
IRS990/TotalAssetsGrp/EOYAmt02464715
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt048892
IRS990/TotalFunctionalExpensesGrp/TotalAmt048892
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02050349
IRS990/TotalLiabilitiesEOYAmt02079345
IRS990/TotalLiabilitiesGrp/BOYAmt02050349
IRS990/TotalLiabilitiesGrp/EOYAmt02079345
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0364072
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0385370
IRS990/TotalProgramServiceRevenueAmt056440
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt070189
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt070189
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02414421
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02464715
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10100 DOCTORS DRIVE STE 203
IRS990/USAddress/City0DOUGLAS
IRS990/USAddress/State0GA
IRS990/USAddress/ZIPCode031533
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MATTIE LEWIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09123841900
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-31
ReturnHeader/Filer/BusinessName/BusinessNameLine10CRMC EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CRMC
ReturnHeader/Filer/EIN0237421343
ReturnHeader/Filer/PhoneNum09123841900
ReturnHeader/Filer/USAddress/AddressLine10196 WESTSIDE DRIVE
ReturnHeader/Filer/USAddress/City0DOUGLAS
ReturnHeader/Filer/USAddress/State0GA
ReturnHeader/Filer/USAddress/ZIPCode031533
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10TAX ADVANTAGE INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101201 NORTH THIRD STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0JACKSONVILLE BEACH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode032250
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEPHEN J SMITH EA
ReturnHeader/ReturnTs02014-11-03T06:03:28-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,464,715
Liabilities
$2,079,345
Net assets
$385,370
Revenue
$70,189
Expenses
$48,892
Net income
$21,297
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