Civic Intelligence

Crmc Employees Credit Union

990 • Fiscal year 2020 • EIN 23-7421343

Jan 01, 2020 to Dec 31, 2020 • Filed on Sep 27, 2021

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

47th percentile

0.81x

Higher debt load relative to assets than 47% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

65th percentile

22.46x

Higher debt load relative to revenue than 65% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Net Margin

90th percentile

23%

Higher net margin than 90% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

74th percentile

$46,460

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 44.6% of source-year revenue.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Asset Growth

62nd percentile

7.5%

Faster asset growth than 62% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

90th percentile

6.8%

Faster revenue growth than 90% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$2,891,321

Up $201,271 (+7.5%) from 2019

Net Assets

Up

$551,528

Up $79,739 (+17%) from 2019

Liabilities

Up

$2,339,793

Up $121,532 (+5.5%) from 2019

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin90th percentile

Revenue

Up

$104,199

Up $6,650 (+6.8%) from 2019

Expenses

Up

$79,732

Up $12,483 (+19%) from 2019

Net Income

Down

$24,467

Down $5,833 (-19%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth62nd 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

2020

Assets$2,891,321
Liabilities$2,339,793
Net Assets$551,528
Open 2020 Filing

Operations Trend

Revenue Growth90th 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

2020

Revenue$104,199
Expenses$79,732
Net Income$24,467
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Sep 27, 2021
Return Version
2020v4.1
Gross Receipts
$104,199
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
Investments Other Securities$1,202,046$1,200,517▼ $1,529
Other Notes and Loans Receivable, Net$1,268,655$1,170,873▼ $97,782
Rtn Earn Endowment Incm Other Fnds$471,789$551,528▲ $79,739
Cash and Non-Interest-Bearing Accounts$110,890$440,717▲ $329,827
Receivables From Officers Etc$84,662$54,174▼ $30,488
Investments Program Related$20,016$21,166▲ $1,150
Prepaid Expenses and Deferred Charges$3,781$3,874▲ $93
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$2,690,050$2,891,321▲ $201,271
Liabilities
Other Liabilities$2,217,033$2,337,688▲ $120,655
Accounts Payable and Accrued Expenses$1,228$2,105▲ $877
Total Liabilities$2,218,261$2,339,793▲ $121,532
Net Assets / Fund Balance
Total Net Assets Fund Balance$471,789$551,528▲ $79,739
Total Liabilities and Net Assets / Fund Balance$2,690,050$2,891,321▲ $201,271

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$21,166--
Land$0--
Other Securities$1,200,517--
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mattie BivensManagerFT$46,460$46,460

Board Members and Trustees

NameTitle
Teresa ChaneyBoard, Credit Committee Chairperson
Sherry ThomasChairperson
Vickie CampbellSupervisory Committee Chairperson
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
$75,338
Investment Income
$21,871
Other Revenue
$6,990
Change in Net Assets
$24,467
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$46,460
Other Expenses$33,272
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$46,460$0$0$46,460
Other Expenses$5,651$0$0$5,651
Total Functional Expenses$79,732$0$0$79,732
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$84,662$54,174▼ $30,488
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$2,337,688
Reg Z Reimbursements$0
Other Liabilities$0
Christmas Club$0
Regular Reserve$0
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
2021-09-27

Organization Details

Principal Officer
Mattie Lewis
Formed
1972
Legal Domicile
Ga
Voting Board Members
1,201
Independent Board Members
1,201
Employees
1
Volunteers
12

Preparer

Firm
Stephen J Smith
Address
5011 GATE PARKWAY BUILDING 100 SUIT, JACKSONVILLE, FL 32256
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.”

Raw XML Appendix393 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/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO/LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO/LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4AUTO/LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt013570
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
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4SECRETARY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt054174
IRS990/ScheduleORequiredInd0true
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/FormAndLineReferenceDesc0Pt VI, Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02690050
IRS990/TotalAssetsEOYAmt02891321
IRS990/TotalAssetsGrp/BOYAmt02690050
IRS990/TotalAssetsGrp/EOYAmt02891321
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt079732
IRS990/TotalFunctionalExpensesGrp/TotalAmt079732
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02218261
IRS990/TotalLiabilitiesEOYAmt02339793
IRS990/TotalLiabilitiesGrp/BOYAmt02218261
IRS990/TotalLiabilitiesGrp/EOYAmt02339793
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0471789
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0551528
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt075338
IRS990/TotalReportableCompFromOrgAmt046460
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0104199
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0104199
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02690050
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02891321
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt0100 DOCTORS DR STE 203
IRS990/USAddress/CityNm0DOUGLAS
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd031533
IRS990/VotingMembersGoverningBodyCnt01201
IRS990/VotingMembersIndependentCnt01201
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MATTIE LEWIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09123841900
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-09-27
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/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STEPHEN J SMITH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05011 GATE PARKWAY BUILDING 100 SUIT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JACKSONVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032256
ReturnHeader/PreparerPersonGrp/PreparationDt02021-10-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEPHEN J SMITH
ReturnHeader/ReturnTs02021-10-26T10:43:07-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0MATTIE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0LEWIS
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,891,321
Liabilities
$2,339,793
Net assets
$551,528
Revenue
$104,199
Expenses
$79,732
Net income
$24,467
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