Civic Intelligence

Crmc Employees Credit Union

990 • Fiscal year 2021 • EIN 23-7421343

Jan 01, 2021 to Dec 31, 2021 • Filed on Mar 28, 2022

Organization ProfileN/A
195 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

56th percentile

0.82x

Higher debt load relative to assets than 56% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

79th percentile

28.20x

Higher debt load relative to revenue than 79% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Net Margin

36th percentile

-1.1%

Higher net margin than 36% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

83rd percentile

$52,181

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 57.2% of source-year revenue.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Asset Growth

74th percentile

8.0%

Faster asset growth than 74% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

34th percentile

-13%

Faster revenue growth than 34% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$3,121,953

Up $230,632 (+8.0%) from 2020

Net Assets

Down

$550,540

Down $988 (-0.2%) from 2020

Liabilities

Up

$2,571,413

Up $231,620 (+9.9%) from 2020

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin36th percentile

Revenue

Down

$91,169

Down $13,030 (-13%) from 2020

Expenses

Up

$92,190

Up $12,458 (+16%) from 2020

Net Income

Down

-$1,021

Down $25,488 (-104%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth74th 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

2021

Assets$3,121,953
Liabilities$2,571,413
Net Assets$550,540
Open 2021 Filing

Operations Trend

Revenue Growth34th 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

2021

Revenue$91,169
Expenses$92,190
Net Income-$1,021
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 28, 2022
Return Version
2021v4.0
Gross Receipts
$91,169
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
Other Notes and Loans Receivable, Net$1,170,873--
Accounts Receivable$54,174$1,152,350▲ $1,098,176
Investments Other Securities$1,200,517$800,500▼ $400,017
Cash and Non-Interest-Bearing Accounts$440,717$741,801▲ $301,084
Rtn Earn Endowment Incm Other Fnds$551,528$495,268▼ $56,260
Savings and Temporary Cash Investments-$400,017-
Cap Stk Tr Prin Current Funds-$55,272-
Investments Program Related$21,166--
Prepaid Expenses and Deferred Charges$3,874$4,271▲ $397
Total Assets$2,891,321$3,121,953▲ $230,632
Other Assets Total-$23,014-
Liabilities
Other Liabilities$2,337,688$2,543,156▲ $205,468
Accounts Payable and Accrued Expenses$2,105$28,257▲ $26,152
Total Liabilities$2,339,793$2,571,413▲ $231,620
Net Assets / Fund Balance
Total Net Assets Fund Balance$551,528$550,540▼ $988
Total Liabilities and Net Assets / Fund Balance$2,891,321$3,121,953▲ $230,632

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$500--
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mattie BivensManagerFT$52,181$52,181

Board Members and Trustees

NameTitle
Sherry ThomasBoard Chairp
Amanda StricklandBoard Member
Brenda ReynoldsBoard Member
Teresa ChaneyBoard Member
Shonda DulapBoard Secret
Mel MccranieBoard Vice C
Mindy LottAudit COM Me
Vickie CampbellAudit COM Me
Mona MooreBod Mem/audc
Peggy KirklandBod Mem/cred
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$83,461
Investment Income
$7,708
Other Revenue
$0
Change in Net Assets
$-1,021
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$52,181
Other Expenses$40,009
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$52,181-$52,181
Office Expenses-$11,327-$11,327
Interest-$5,652-$5,652
Other Expenses-$3,040-$3,040
All Other Expenses-$1,600-$1,600
Total Functional Expenses$0$92,190$0$92,190
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$2,543,156
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
2022-03-28
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
10

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 did not have any unrealted business income.”

Form 990, Part XI, Line 9

“OTHER CHANGES 33”

Raw XML Appendix351 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/ExplanationTxt1THE CREDIT UNION DID NOT HAVE ANY UNREALTED 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 33
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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IRS990/TotalProgramServiceRevenueAmt083461
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02022-05-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02022-05-11T14:23:33-05:00
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ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,121,953
Liabilities
$2,571,413
Net assets
$550,540
Revenue
$91,169
Expenses
$92,190
Net income
-$1,021
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