Civic Intelligence

Three Rivers Credit Union

990 • Fiscal year 2015 • EIN 23-7449651

Jan 01, 2015 to Dec 31, 2015 • Filed on Oct 27, 2016

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

59th percentile

0.88x

Higher debt load relative to assets than 59% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

20th percentile

13.56x

Higher debt load relative to revenue than 20% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

30th percentile

1.5%

Higher net margin than 30% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

24th percentile

$52,169

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 5.2% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

71st percentile

6.2%

Faster asset growth than 71% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

18th percentile

-4.4%

Faster revenue growth than 18% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets59th percentile

Assets

Up

$15,365,444

Up $893,175 (+6.2%) from 2014

Net Assets

Up

$1,872,844

Up $15,228 (+0.8%) from 2014

Liabilities

Up

$13,492,600

Up $877,947 (+7.0%) from 2014

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin30th percentile

Revenue

Down

$994,671

Down $45,886 (-4.4%) from 2014

Expenses

Up

$979,445

Up $11,999 (+1.2%) from 2014

Net Income

Down

$15,226

Down $57,885 (-79%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth71st 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

2015

Assets$15,365,444
Liabilities$13,492,600
Net Assets$1,872,844
Open 2015 Filing

Operations Trend

Revenue Growth18th 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

2015

Revenue$994,671
Expenses$979,445
Net Income$15,226
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Oct 27, 2016
Return Version
2015v2.1
Gross Receipts
$994,671
Mission and Program Overview

Mission

Provide financial service to the members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,696,542$6,603,325▼ $93,217
Investments Other Securities$4,744,715$5,962,453▲ $1,217,738
Rtn Earn Endowment Incm Other Fnds$1,857,616$1,872,844▲ $15,228
Cash and Non-Interest-Bearing Accounts$1,143,044$902,691▼ $240,353
Savings and Temporary Cash Investments$612,551$769,125▲ $156,574
Land, Buildings, and Equipment, Net$775,758$752,987▼ $22,771
Receivables From Officers Etc$148,610$157,848▲ $9,238
Investments Program Related$116,281$125,036▲ $8,755
Prepaid Expenses and Deferred Charges-$41,557-
Pledges and Grants Receivable-$5,855-
Total Assets$14,472,269$15,365,444▲ $893,175
Other Assets Total$234,768$44,567▼ $190,201
Liabilities
Other Liabilities$12,503,573$13,422,411▲ $918,838
Accounts Payable and Accrued Expenses$111,080$70,189▼ $40,891
Total Liabilities$12,614,653$13,492,600▲ $877,947
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,857,616$1,872,844▲ $15,228
Total Liabilities and Net Assets / Fund Balance$14,472,269$15,365,444▲ $893,175

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$386,071$135,176-
Land$300,627--
Equipment$66,289$416,090-
Leasehold Improvements-$9,259-
Other Securities$5,962,453--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Wanda a MillerManagerFT$52,169$52,169

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
$479,047
Investment Income
$100,304
Other Revenue
$415,320
Change in Net Assets
$15,226
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$663,717
Salaries, Compensation, and Employee Benefits$257,380
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$316,351--$316,351
Comp Disqual Persons-$235,377-$235,377
Interest$142,117$0$0$142,117
Occupancy$83,615--$83,615
Benefits to Members$58,348--$58,348
Other Expenses$22,713--$22,713
Insurance$22,652$0$0$22,652
Payroll Taxes-$22,003-$22,003
Advertising$0$10,749$0$10,749
Fees for Services Management$2,930--$2,930
Conferences and Meetings$800$0$0$800
Total Functional Expenses$711,316$268,129$0$979,445
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$148,610$157,848▲ $9,238
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
All Other Shares and Deposits$11,320,713
Share Draft Accounts$2,101,698
Regular Shares-
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 Miller
Title
Manager
Phone
2292438131
Signed
2016-10-27

Organization Details

Principal Officer
Wanda a Miller
Formed
1992
Legal Domicile
Ga
Voting Board Members
8
Independent Board Members
8
Employees
9
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”

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
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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/LoanPurposeTxt9LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt021250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt225000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt312110
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt43500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt59000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt684391
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt730000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt87940
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt96500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt102500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt113300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BERGERON RICHARD K
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BERGERON RICHARD K
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2GODWIN FRANK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3GODWIN FRANK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4GUEST LEANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5GUEST LEANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9DIANNE HAIRE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10TERESA ROBERTS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11CAROL SMITH
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6BOAD
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10BOARD
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IRS990ScheduleL/TotalBalanceDueAmt0157848
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/FormAndLineReferenceDesc0Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15a
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt014472269
IRS990/TotalAssetsEOYAmt015365444
IRS990/TotalAssetsGrp/BOYAmt014472269
IRS990/TotalAssetsGrp/EOYAmt015365444
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0711316
IRS990/TotalFunctionalExpensesGrp/TotalAmt0979445
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IRS990/TotalProgramServiceRevenueAmt0479047

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,365,444
Liabilities
$13,492,600
Net assets
$1,872,844
Revenue
$994,671
Expenses
$979,445
Net income
$15,226
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