Civic Intelligence

Three Rivers Credit Union

990 • Fiscal year 2014 • EIN 23-7449651

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 10, 2015

Organization ProfileN/A

View Organization Page

PO Box 160Bainbridge, GA 31718

(229) 243-8131

Siviq Scores

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

Liabilities / Assets

54th percentile

0.87x

Higher debt load relative to assets than 54% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

18th percentile

12.12x

Higher debt load relative to revenue than 18% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

56th percentile

7.0%

Higher net margin than 56% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

24th percentile

$52,809

Higher top officer pay than 24% of similar nonprofits.

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

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

85th percentile

7.0%

Faster asset growth than 85% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

56th percentile

0.6%

Faster revenue growth than 56% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$14,472,269

Up $948,009 (+7.0%) from 2013

Net Assets

Up

$1,857,616

Up $73,111 (+4.1%) from 2013

Liabilities

Up

$12,614,653

Up $874,898 (+7.5%) from 2013

Revenue And Expenses
Liabilities / Revenue18th percentileNet Margin56th percentile

Revenue

Up

$1,040,557

Up $6,195 (+0.6%) from 2013

Expenses

Up

$967,446

Up $30,158 (+3.2%) from 2013

Net Income

Down

$73,111

Down $23,963 (-25%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth85th 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

2014

Assets$14,472,269
Liabilities$12,614,653
Net Assets$1,857,616
Open 2014 Filing

Operations Trend

Revenue Growth56th percentile

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

2014

Revenue$1,040,557
Expenses$967,446
Net Income$73,111
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 10, 2015
Return Version
2014v5.0
Gross Receipts
$1,040,557
Mission and Program Overview

Mission

Provide financial service to the members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,097,466$6,696,542▼ $400,924
Investments Other Securities$4,102,104$4,744,715▲ $642,611
Rtn Earn Endowment Incm Other Fnds$1,784,505$1,857,616▲ $73,111
Cash and Non-Interest-Bearing Accounts$1,161,307$1,143,044▼ $18,263
Land, Buildings, and Equipment, Net$798,968$775,758▼ $23,210
Savings and Temporary Cash Investments-$612,551-
Receivables From Officers Etc$142,229$148,610▲ $6,381
Investments Program Related$101,820$116,281▲ $14,461
Total Assets$13,524,260$14,472,269▲ $948,009
Other Assets Total$120,366$234,768▲ $114,402
Liabilities
Other Liabilities$11,628,078$12,503,573▲ $875,495
Accounts Payable and Accrued Expenses$111,677$111,080▼ $597
Total Liabilities$11,739,755$12,614,653▲ $874,898
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,784,505$1,857,616▲ $73,111
Total Liabilities and Net Assets / Fund Balance$13,524,260$14,472,269▲ $948,009

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$705,563--
Equipment$70,195--
Other Securities$4,744,715--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

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

Board Members and Trustees

NameTitle
Seymour M PeltonChairperson
Leanne GuestSupervisory Committe Chairperson
Teresa F RobertsBoard Treasurer
Dianne HaireSupervisor Comm. Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$523,379
Investment Income
$95,779
Other Revenue
$421,399
Change in Net Assets
$73,111
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$626,215
Salaries, Compensation, and Employee Benefits$341,231
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$288,641$0$0$288,641
Comp Disqual Persons-$269,257-$269,257
Interest$147,771$0$0$147,771
Occupancy-$82,909-$82,909
Current Officers, Directors, Trustees, and Key Employees$0$52,809$0$52,809
Other Expenses$0$24,684$0$24,684
Payroll Taxes-$19,165-$19,165
Advertising$0$18,972$0$18,972
Fees for Services Management$870$0$0$870
Total Functional Expenses$499,650$467,796$0$967,446
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$142,229$148,610▲ $6,381
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
All Other Shares and Deposits$8,111,720
Regular Shares$2,851,029
Share Draft Accounts$1,540,824
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

Filer Name
Three Rivers Credit Union
EIN
23-7449651
Phone
2292438131
Address
PO BOX 160, BAINBRIDGE, GA 31718

Signing Officer

Name
Wanda a Miller
Title
Manager
Phone
2292438131
Signed
2015-11-10

Organization Details

Principal Officer
Wanda a Miller
Formed
1992
Legal Domicile
Ga
Voting Board Members
8
Independent Board Members
8
Employees
10
Volunteers
8

Preparer

Firm
Tax Advantage Inc
Address
1201 NORTH THIRD STREET, JACKSONVILLE BEACH, FL 32250
Preparer
Stephen J Smith Ea
Phone
9042410050
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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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/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt021250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt225000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt312110
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt43500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt53500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt684391
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt715000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt87940
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BERGERON RICHARD K
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BERGERON RICHARD K
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2GODWIN FRANK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3GUEST LEANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4GUEST LEANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5SMITH CAROL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0SUPERVISORY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1SUPERVISORY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6BOAD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8BOARD
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/TotalBalanceDueAmt0148610
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/TotalAssetsBOYAmt013524260
IRS990/TotalAssetsEOYAmt014472269
IRS990/TotalAssetsGrp/BOYAmt013524260
IRS990/TotalAssetsGrp/EOYAmt014472269
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0467796
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0499650
IRS990/TotalFunctionalExpensesGrp/TotalAmt0967446
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt011739755
IRS990/TotalLiabilitiesEOYAmt012614653
IRS990/TotalLiabilitiesGrp/BOYAmt011739755
IRS990/TotalLiabilitiesGrp/EOYAmt012614653
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01784505
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01857616
IRS990/TotalProgramServiceRevenueAmt0523379
IRS990/TotalReportableCompFromOrgAmt052809
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01040557
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01040557
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013524260
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt014472269
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 160
IRS990/USAddress/CityNm0BAINBRIDGE
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd039818
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/PersonNm0WANDA A MILLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum02292438131
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0THREE RIVERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0THRE
ReturnHeader/Filer/EIN0237449651
ReturnHeader/Filer/PhoneNum02292438131
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 160
ReturnHeader/Filer/USAddress/CityNm0BAINBRIDGE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031718
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0TAX ADVANTAGE INC

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,472,269
Liabilities
$12,614,653
Net assets
$1,857,616
Revenue
$1,040,557
Expenses
$967,446
Net income
$73,111
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