Civic Intelligence

Three Rivers Credit Union

990 • Fiscal year 2013 • EIN 23-7449651

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

Organization ProfileN/A

View Organization Page

PO Box 16031718

(229) 243-8131

Siviq Scores

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

Liabilities / Assets

48th percentile

0.87x

Higher debt load relative to assets than 48% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

14th percentile

11.35x

Higher debt load relative to revenue than 14% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

72nd percentile

9.4%

Higher net margin than 72% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

26th percentile

$52,809

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 5.1% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

96th percentile

11%

Faster asset growth than 96% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M 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 / Assets48th percentile

Assets

Up

$13,524,260

Up $1,323,827 (+11%) from 2012

Net Assets

Up

$1,784,505

Up $97,074 (+5.8%) from 2012

Liabilities

Up

$11,739,755

Up $1,226,753 (+12%) from 2012

Revenue And Expenses
Liabilities / Revenue14th percentileNet Margin72nd percentile

Revenue

$1,034,362

No earlier filing loaded for comparison.

Expenses

Down

$937,288

Down $6,104 (-0.6%) from 2012

Net Income

$97,074

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $9,692,835Liabilities 2010: $8,147,920Net Assets 2010: $1,544,9152010Assets 2011: $10,369,057Liabilities 2011: $8,768,764Net Assets 2011: $1,600,2932011Assets 2012: $12,200,433Liabilities 2012: $10,513,002Net Assets 2012: $1,687,4312012Assets 2013: $13,524,260Liabilities 2013: $11,739,755Net Assets 2013: $1,784,5052013Assets 2014: $14,472,269Liabilities 2014: $12,614,653Net Assets 2014: $1,857,6162014Assets 2015: $15,365,444Liabilities 2015: $13,492,600Net Assets 2015: $1,872,8442015Assets 2016: $15,570,552Liabilities 2016: $13,843,438Net Assets 2016: $1,727,1142016Assets 2017: $14,270,042Liabilities 2017: $12,559,031Net Assets 2017: $1,711,0112017Assets 2018: $13,836,973Liabilities 2018: $12,256,366Net Assets 2018: $1,580,6072018Assets 2019: $10,933,318Liabilities 2019: $9,403,948Net Assets 2019: $1,529,3702019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2013

Assets$13,524,260
Liabilities$11,739,755
Net Assets$1,784,505
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $810,9602010Expenses 2011: $899,3192011Expenses 2012: $943,3922012Revenue 2013: $1,034,362Expenses 2013: $937,288Net Income 2013: $97,0742013Revenue 2014: $1,040,557Expenses 2014: $967,446Net Income 2014: $73,1112014Revenue 2015: $994,671Expenses 2015: $979,445Net Income 2015: $15,2262015Revenue 2016: $1,001,308Expenses 2016: $1,150,063Net Income 2016: -$148,7552016Revenue 2017: $986,550Expenses 2017: $1,005,114Net Income 2017: -$18,5642017Revenue 2018: $1,031,936Expenses 2018: $1,154,138Net Income 2018: -$122,2022018Revenue 2019: $799,394Expenses 2019: $844,467Net Income 2019: -$45,0732019Revenue 2020: $374,565Expenses 2020: $612,093Net Income 2020: -$237,5282020

Highlighted filing

2013

Revenue$1,034,362
Expenses$937,288
Net Income$97,074
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
$1,034,362
Mission and Program Overview

Mission

Provide financial service to the members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,948,794$7,097,466▲ $148,672
Investments Other Securities$3,261,463$4,102,104▲ $840,641
Rtn Earn Endowment Incm Other Fnds$1,687,431$1,784,505▲ $97,074
Cash and Non-Interest-Bearing Accounts$965,838$1,161,307▲ $195,469
Land, Buildings, and Equipment, Net$487,964$798,968▲ $311,004
Receivables From Officers Etc$225,434$142,229▼ $83,205
Investments Program Related$94,673$101,820▲ $7,147
Total Assets$12,200,433$13,524,260▲ $1,323,827
Other Assets Total$216,267$120,366▼ $95,901
Liabilities
Other Liabilities$10,182,000$11,628,078▲ $1,446,078
Accounts Payable and Accrued Expenses$331,002$111,677▼ $219,325
Total Liabilities$10,513,002$11,739,755▲ $1,226,753
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,687,431$1,784,505▲ $97,074
Total Liabilities and Net Assets / Fund Balance$12,200,433$13,524,260▲ $1,323,827

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$724,429--
Equipment$74,539--
Other Securities$4,102,104--
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Wanda a MillerManagerFT$52,809$52,809

Board Members and Trustees

NameTitle
Seymour M PeltonChairperson
Leanne GuestPresident
Teresa F RobertsBoard Member
Dianne HaireSupervisor Comm. Member
Irene B BramblettSupervisory Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$561,976
Investment Income
$79,392
Other Revenue
$392,994
Change in Net Assets
$97,074
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$590,139
Salaries, Compensation, and Employee Benefits$347,149
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$0$347,149$0$347,149
Interest$137,683$0$0$137,683
Other Expenses$11,545$0$0$11,545
Insurance$9,815$0$0$9,815
Total Functional Expenses$590,139$347,149$0$937,288
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$225,434$142,229▼ $83,205
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
All Other Shares and Deposits$7,773,032
Regular Shares$2,664,707
Share Draft Accounts$1,190,339
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
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
23-7449651
Phone
2292438131

Signing Officer

Name
Wanda a Miller
Title
Manager
Phone
2292438131
Signed
2014-10-31

Organization Details

Principal Officer
Wanda a Miller
Formed
1992
Legal Domicile
Ga
Voting Board Members
8
Independent Board Members
8
Employees
14
Volunteers
8

Preparer

Preparer
Stephen J Smith Ea
Supplemental Narrative

Additional Explanations

Pt VI, Line 7A

“Directors are elected by the membership”

Pt VI, Line 11B

“BOARD REVIEW”

Pt VI, Line 15A

“Salary are set and approved by the board”

Form 990, Part IX, Line 24F

“Supervision and exam fees cash over/short”

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0LOC
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2LOC
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt021250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt12000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt310875
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt412110
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt53500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt63500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt76103
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt83500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt984391
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1015000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt117940
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BERGERON RICHARD K
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1GODWIN FRANK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BRAMBLETT IRENE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3GODWIN FRANK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4GUEST LEANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5GUEST LEANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6HAIRE DIANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7HAIRE DIANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8SMITH CAROL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0SUPERVISORY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1SUPERVISORY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2SUPERVISORY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9BOAD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt11BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11true
IRS990ScheduleL/TotalBalanceDueAmt0142229
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DIRECTORS ARE ELECTED BY THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SALARY ARE SET AND APPROVED BY THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SUPERVISION AND EXAM FEES CASH OVER/SHORT
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012200433
IRS990/TotalAssetsEOYAmt013524260
IRS990/TotalAssetsGrp/BOYAmt012200433
IRS990/TotalAssetsGrp/EOYAmt013524260
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0347149
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0590139
IRS990/TotalFunctionalExpensesGrp/TotalAmt0937288
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010513002
IRS990/TotalLiabilitiesEOYAmt011739755
IRS990/TotalLiabilitiesGrp/BOYAmt010513002
IRS990/TotalLiabilitiesGrp/EOYAmt011739755
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01687431
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01784505
IRS990/TotalProgramServiceRevenueAmt0561976
IRS990/TotalReportableCompFromOrgAmt052809
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01034362
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01034362
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012200433
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013524260
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10PO BOX 160
IRS990/USAddress/City0BAINBRIDGE
IRS990/USAddress/State0GA
IRS990/USAddress/ZIPCode039818
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0WANDA A MILLER

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$13,524,260
Liabilities
$11,739,755
Net assets
$1,784,505
Revenue
$1,034,362
Expenses
$937,288
Net income
$97,074
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.37$0.61$0.24
2019Detailed filing. Detailed filing data is available for this year.$10.9$9.40$1.53$0.80$0.84$0.05
2018Detailed filing. Detailed filing data is available for this year.$13.8$12.3$1.58$1.03$1.15$0.12
2017Detailed filing. Detailed filing data is available for this year.$14.3$12.6$1.71$0.99$1.01$0.02
2016Detailed filing. Detailed filing data is available for this year.$15.6$13.8$1.73$1.00$1.15$0.15
2015Detailed filing. Detailed filing data is available for this year.$15.4$13.5$1.87$0.99$0.98$0.02
2014Detailed filing. Detailed filing data is available for this year.$14.5$12.6$1.86$1.04$0.97$0.07
2013Detailed filing. Detailed filing data is available for this year.$13.5$11.7$1.78$1.03$0.94$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.2$10.5$1.69$0.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$8.77$1.60$0.90
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.69$8.15$1.54$0.81