Civic Intelligence

Three Rivers Credit Union

990 • Fiscal year 2016 • EIN 23-7449651

Jan 01, 2016 to Dec 31, 2016 • Filed on May 17, 2017

Organization ProfileWWW.THREERIVERSCU.NET

View Organization Page

PO Box 160Bainbridge, GA 39818

(229) 243-8131

Siviq Scores

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

Liabilities / Assets

68th percentile

0.89x

Higher debt load relative to assets than 68% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

20th percentile

13.83x

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

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

6th percentile

-15%

Higher net margin than 6% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

26th percentile

$56,229

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 5.6% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

46th percentile

1.3%

Faster asset growth than 46% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

36th percentile

0.7%

Faster revenue growth than 36% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$15,570,552

Up $205,108 (+1.3%) from 2015

Net Assets

Down

$1,727,114

Down $145,730 (-7.8%) from 2015

Liabilities

Up

$13,843,438

Up $350,838 (+2.6%) from 2015

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin6th percentile

Revenue

Up

$1,001,308

Up $6,637 (+0.7%) from 2015

Expenses

Up

$1,150,063

Up $170,618 (+17%) from 2015

Net Income

Down

-$148,755

Down $163,981 (-1077%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth46th 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

2016

Assets$15,570,552
Liabilities$13,843,438
Net Assets$1,727,114
Open 2016 Filing

Operations Trend

Revenue Growth36th 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

2016

Revenue$1,001,308
Expenses$1,150,063
Net Income-$148,755
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 17, 2017
Return Version
2016v3.0
Gross Receipts
$1,001,308
Mission and Program Overview

Mission

Provide financial service to the members.

Provide financial service to the members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,603,325$7,213,207▲ $609,882
Investments Other Securities$5,962,453$4,894,000▼ $1,068,453
Rtn Earn Endowment Incm Other Fnds$1,872,844$1,727,114▼ $145,730
Cash and Non-Interest-Bearing Accounts$902,691$1,247,000▲ $344,309
Savings and Temporary Cash Investments$769,125$840,931▲ $71,806
Land, Buildings, and Equipment, Net$752,987$728,679▼ $24,308
Accounts Receivable-$325,176-
Investments Program Related$125,036$134,224▲ $9,188
Receivables From Officers Etc$157,848$113,297▼ $44,551
Prepaid Expenses and Deferred Charges$41,557$25,401▼ $16,156
Pledges and Grants Receivable$5,855--
Total Assets$15,365,444$15,570,552▲ $205,108
Other Assets Total$44,567$48,637▲ $4,070
Liabilities
Other Liabilities$13,422,411$13,626,113▲ $203,702
Accounts Payable and Accrued Expenses$70,189$217,325▲ $147,136
Total Liabilities$13,492,600$13,843,438▲ $350,838
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,872,844$1,727,114▼ $145,730
Total Liabilities and Net Assets / Fund Balance$15,365,444$15,570,552▲ $205,108

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$368,206$153,041-
Land$299,626--
Equipment$60,847$430,789-
Leasehold Improvements-$9,259-
Other Securities$4,894,000--
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Wanda a MillerManagerFT$56,229$56,229

Board Members and Trustees

NameTitle
Seymour M PeltonChairperson
Frank GodwinBoard Member
Teresa RobertsBoard Treasu
Carol SmithCredit Comm.
Dianne HaireSupervisory
Leanne GuestSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$482,999
Investment Income
$115,665
Other Revenue
$402,644
Change in Net Assets
$-148,755
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$886,081
Salaries, Compensation, and Employee Benefits$263,982
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$298,552--$298,552
Other Salaries and Wages-$203,376-$203,376
Interest$116,274--$116,274
Occupancy$74,676--$74,676
Other Employee Benefits-$43,094-$43,094
Insurance$23,197--$23,197
Payroll Taxes-$17,512-$17,512
All Other Expenses$15,292--$15,292
Depreciation Depletion$14,699--$14,699
Other Expenses$12,879--$12,879
Advertising-$6,327-$6,327
Fees for Services Legal$1,825--$1,825
Conferences and Meetings$600--$600
Total Functional Expenses$879,754$270,309$0$1,150,063
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$157,848$113,297▼ $44,551
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
All Other Shares and Deposits$11,481,272
Share Draft Accounts$2,144,841
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

“Directors are elected by the membership”

Form 990, Page 6, Part VI, Line 11B

“BOARD REVIEW”

Form 990, Page 6, Part VI, Line 15A

“Salary are set and approved by the board”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Three Rivers Credit Union
EIN
23-7449651
Phone
2292438131
Address
PO BOX 160, BAINBRIDGE, GA 39818

Signing Officer

Name
Wanda a Miller
Title
Manager
Phone
2292438131
Signed
2017-05-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Wanda a Miller
Formed
1992
Legal Domicile
Ga
Voting Board Members
6
Independent Board Members
6
Employees
9
Volunteers
7

Preparer

Firm
Sanders Holloway & Ryan
Address
2878 MAHAN DRIVE, TALLAHASSEE, FL 32308
Preparer
T E Joe Sanders
Phone
8502221608
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“The objective and purpose of the three rivers credit union is to be a cooperative, nonprofit, association organized under the laws of the state of georgia, for the purpose of encouraging thrift amoung its members, creating sources of credit at fair and reasonable rates of interest and providing an oportunity for its members to use and control their resources on a democratic basis in order to improve their economic and social conditions.”

Form 990, Page 2, Part III, Line 4D

“TOTAL PROGRAM EXPENSES”

Form 990, Part XI, Line 9

“OTHER INCREASES 3,025”

Raw XML AppendixShowing 400 of 425 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFT ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt04894000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0TOTAL INVESTMENTS
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IRS990ScheduleD/TotalBookValueSecuritiesAmt04894000
IRS990ScheduleD/TotalLiabilityAmt013626113
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt34591
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt43471
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt53390
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt63287
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt71646
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1LOC
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3LOC
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt084391
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt130000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt225000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt36500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt49000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt53300
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt67940
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt72500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2GODWIN FRANK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3HAIRE DIANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4GUEST LEANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5SMITH CAROL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6MILLER WANDA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7HAIRE DIANE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6BOARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7BOARD
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/TotalBalanceDueAmt0113297
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE OBJECTIVE AND PURPOSE OF THE THREE RIVERS CREDIT UNION IS TO BE A COOPERATIVE, NONPROFIT, ASSOCIATION ORGANIZED UNDER THE LAWS OF THE STATE OF GEORGIA, FOR THE PURPOSE OF ENCOURAGING THRIFT AMOUNG ITS MEMBERS, CREATING SOURCES OF CREDIT AT FAIR AND REASONABLE RATES OF INTEREST AND PROVIDING AN OPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR RESOURCES ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1TOTAL PROGRAM EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DIRECTORS ARE ELECTED BY THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SALARY ARE SET AND APPROVED BY THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER INCREASES 3,025
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt015365444
IRS990/TotalAssetsEOYAmt015570552
IRS990/TotalAssetsGrp/BOYAmt015365444
IRS990/TotalAssetsGrp/EOYAmt015570552
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0270309
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0879754
IRS990/TotalFunctionalExpensesGrp/TotalAmt01150063
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013492600
IRS990/TotalLiabilitiesEOYAmt013843438
IRS990/TotalLiabilitiesGrp/BOYAmt013492600
IRS990/TotalLiabilitiesGrp/EOYAmt013843438
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01872844
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01727114
IRS990/TotalProgramServiceRevenueAmt0482999
IRS990/TotalReportableCompFromOrgAmt056229
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01001308
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01001308
IRS990/TotalVolunteersCnt07
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015570552
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 160
IRS990/USAddress/CityNm0BAINBRIDGE
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd039818
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.THREERIVERSCU.NET
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0WANDA A MILLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum02292438131

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,570,552
Liabilities
$13,843,438
Net assets
$1,727,114
Revenue
$1,001,308
Expenses
$1,150,063
Net income
-$148,755
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