Civic Intelligence

Crmc Employees Credit Union

990 • Fiscal year 2019 • EIN 23-7421343

Jan 01, 2019 to Dec 31, 2019 • Filed on Aug 26, 2020

Organization ProfileN/A
196 Westside DrDouglas, GA 31533

(912) 384-1900

Siviq Scores

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

Liabilities / Assets

58th percentile

0.82x

Higher debt load relative to assets than 58% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

82nd percentile

22.74x

Higher debt load relative to revenue than 82% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

94th percentile

31%

Higher net margin than 94% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

50th percentile

$26,609

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 27.3% of source-year revenue.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

89th percentile

6.1%

Faster asset growth than 89% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

80th percentile

12%

Faster revenue growth than 80% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$2,690,050

Up $154,014 (+6.1%) from 2018

Net Assets

Down

$471,789

Down $24,971 (-5.0%) from 2018

Liabilities

Up

$2,218,261

Up $178,985 (+8.8%) from 2018

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin94th percentile

Revenue

Up

$97,549

Up $10,371 (+12%) from 2018

Expenses

Up

$67,249

Up $6,428 (+11%) from 2018

Net Income

Up

$30,300

Up $3,943 (+15%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth89th 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

2019

Assets$2,690,050
Liabilities$2,218,261
Net Assets$471,789
Open 2019 Filing

Operations Trend

Revenue Growth80th percentile

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

2019

Revenue$97,549
Expenses$67,249
Net Income$30,300
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Aug 26, 2020
Return Version
2019v5.1
Gross Receipts
$97,549
Mission and Program Overview

Mission

To provide thrift savings and borrowing to its 305 members

To provide thrift savings and borrowing to its 305 members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,096,709$1,268,655▲ $171,946
Investments Other Securities$1,227,141$1,202,046▼ $25,095
Rtn Earn Endowment Incm Other Fnds$496,760$471,789▼ $24,971
Cash and Non-Interest-Bearing Accounts$116,207$110,890▼ $5,317
Receivables From Officers Etc$70,652$84,662▲ $14,010
Investments Program Related$20,748$20,016▼ $732
Prepaid Expenses and Deferred Charges$4,579$3,781▼ $798
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$2,536,036$2,690,050▲ $154,014
Liabilities
Other Liabilities$2,038,048$2,217,033▲ $178,985
Accounts Payable and Accrued Expenses$1,228$1,228→ $0
Total Liabilities$2,039,276$2,218,261▲ $178,985
Net Assets / Fund Balance
Total Net Assets Fund Balance$496,760$471,789▼ $24,971
Total Liabilities and Net Assets / Fund Balance$2,536,036$2,690,050▲ $154,014

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$20,016--
Buildings$29,477--
Other Securities$1,202,046--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mattie BivensManagerFT$26,609$26,609

Board Members and Trustees

NameTitle
Teresa ChaneyBoard, Credit Committee Chairperson
Sherry ThomasChairperson
Mel MccranieVice Chairperson
Peggy S KirklandBoard
Amanda StricklandBoard Member
Brenda ReynoldsBoard Member
Mona MooreBoard Member
Shonda DunlapSecretary/board Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$73,019
Investment Income
$24,225
Other Revenue
$305
Change in Net Assets
$30,300
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$40,640
Salaries, Compensation, and Employee Benefits$26,609
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$26,609$0$0$26,609
All Other Expenses$10,928$0$0$10,928
Office Expenses$0$10,075$0$10,075
Fees for Services Management$8,192$0$0$8,192
Other Expenses$150$0$0$150
Total Functional Expenses$57,174$10,075$0$67,249
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$70,652$84,662▲ $14,010
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$2,115,418
Regular Reserve$55,272
Christmas Club$37,415
Reg Z Reimbursements$8,790
Other Liabilities$138
Governance and Compliance

Governance Checklist

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

Filer

Filer Name
CRMC Employees CU
EIN
23-7421343
Phone
9123841900
Address
196 Westside Dr, DOUGLAS, GA 31533

Signing Officer

Name
Mattie Lewis
Title
Manager
Phone
9123841900
Signed
2020-08-26

Organization Details

Principal Officer
Mattie Lewis
Formed
1972
Legal Domicile
Ga
Voting Board Members
9
Independent Board Members
9
Employees
0
Volunteers
12

Preparer

Firm
Stephen J Smith
Address
2529 CANYON CREEK TRL E, JACKSONVILLE, FL 32246
Preparer
Stephen J Smith
Supplemental Narrative

Additional Explanations

Pt VI, Line 8B

“Set and approved by board.”

Pt VI, Line 8A

“Set and approved by board.”

Pt VI, Line 15A

“Salary are set and approved by the board.”

Pt VI, Line 11B

“BOARD REVIEW.”

Form 990, Part IX, Line 24E

“Misc operating expenses 5461. 5461. 0. 0.”

Form 990, Part IX, Line 24E

“Share dividend expenses 5208. 5208. 0. 0.”

Form 990, Part IX, Line 24E

“Dividend expenses 259. 259. 0. 0.”

Raw XML AppendixShowing 400 of 410 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/TotalLiabilityAmt02217033
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt22980
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt326179
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt417691
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO/LOC
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd4X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt129752
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt26500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt326475
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt418129
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0AMANDA STRICKLAND
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1SHERRY THOMAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MATTIE LEWIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3MONA MOORE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4SHONDA L DUNLAP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD MEMBER
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4SECRETARY
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SET AND APPROVED BY BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SET AND APPROVED BY BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SALARY ARE SET AND APPROVED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MISC OPERATING EXPENSES 5461. 5461. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5SHARE DIVIDEND EXPENSES 5208. 5208. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DIVIDEND EXPENSES 259. 259. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt010075
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt057174
IRS990/TotalFunctionalExpensesGrp/TotalAmt067249
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt02218261
IRS990/TotalLiabilitiesGrp/BOYAmt02039276
IRS990/TotalLiabilitiesGrp/EOYAmt02218261
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0471789
IRS990/TotalOtherCompensationAmt00
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IRS990/TotalRevenueGrp/ExclusionAmt00
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt097549
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02536036
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02690050
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt0100 DOCTORS DR STE 203
IRS990/USAddress/CityNm0DOUGLAS
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd031533
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-11-19 02:30:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MATTIE LEWIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09123841900
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-08-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CRMC Employees CU
ReturnHeader/Filer/BusinessNameControlTxt0CRMC
ReturnHeader/Filer/EIN0237421343
ReturnHeader/Filer/PhoneNum09123841900
ReturnHeader/Filer/USAddress/AddressLine1Txt0196 Westside Dr
ReturnHeader/Filer/USAddress/CityNm0DOUGLAS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031533
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId08796D54B1A9FC3DBE7CC7E3482FA9D86951758D7
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId08796D54B1A9FC3DBE7CC7E3482FA9D86951758D7
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.203.138.18
ReturnHeader/FilingSecurityInformation/IPDt02020-08-26
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm006:56:00
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STEPHEN J SMITH

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,690,050
Liabilities
$2,218,261
Net assets
$471,789
Revenue
$97,549
Expenses
$67,249
Net income
$30,300
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