Civic Intelligence

Three Rivers Credit Union

990 • Fiscal year 2019 • EIN 23-7449651

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 29, 2020

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

53rd percentile

0.86x

Higher debt load relative to assets than 53% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

18th percentile

11.76x

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

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

9th percentile

-5.6%

Higher net margin than 9% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

23rd percentile

$57,908

Higher top officer pay than 23% of similar nonprofits.

Top officer pay equals 7.2% of source-year revenue.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

1st percentile

-21%

Faster asset growth than 1% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

1st percentile

-23%

Faster revenue growth than 1% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Down

$10,933,318

Down $2,903,655 (-21%) from 2018

Net Assets

Down

$1,529,370

Down $51,237 (-3.2%) from 2018

Liabilities

Down

$9,403,948

Down $2,852,418 (-23%) from 2018

Revenue And Expenses
Liabilities / Revenue18th percentileNet Margin9th percentile

Revenue

Down

$799,394

Down $232,542 (-23%) from 2018

Expenses

Down

$844,467

Down $309,671 (-27%) from 2018

Net Income

Up

-$45,073

Up $77,129 (+63%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth1st 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

2019

Assets$10,933,318
Liabilities$9,403,948
Net Assets$1,529,370
Open 2019 Filing

Operations Trend

Revenue Growth1st 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

2019

Revenue$799,394
Expenses$844,467
Net Income-$45,073
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 29, 2020
Return Version
2019v5.0
Gross Receipts
$799,394
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$5,246,433$4,710,081▼ $536,352
Investments Other Securities$4,539,000$3,194,000▼ $1,345,000
Savings and Temporary Cash Investments$1,761,812$1,650,438▼ $111,374
Rtn Earn Endowment Incm Other Fnds$1,249,580$1,198,343▼ $51,237
Land, Buildings, and Equipment, Net$629,578$633,740▲ $4,162
Cash and Non-Interest-Bearing Accounts$1,447,000$443,092▼ $1,003,908
Pd in Cap Srpls Land Bldg Eqp Fund$331,027$331,027→ $0
Investments Program Related$123,244$154,695▲ $31,451
Receivables From Officers Etc$25,263$96,374▲ $71,111
Prepaid Expenses and Deferred Charges$33,218$25,084▼ $8,134
Accounts Receivable$4,072$2,669▼ $1,403
Total Assets$13,836,973$10,933,318▼ $2,903,655
Other Assets Total$27,353$23,145▼ $4,208
Liabilities
Other Liabilities$12,157,630$9,359,881▼ $2,797,749
Accounts Payable and Accrued Expenses$98,736$44,067▼ $54,669
Total Liabilities$12,256,366$9,403,948▼ $2,852,418
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,580,607$1,529,370▼ $51,237
Total Liabilities and Net Assets / Fund Balance$13,836,973$10,933,318▼ $2,903,655

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$302,525$111,217-
Land$276,626--
Equipment$54,589$381,945-
Leasehold Improvements-$9,259-
Other Securities$3,194,000--
Compensation and Service Providers
Top Officer Pay23rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Thomas F JoyceManagerFT$57,908$57,908

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$376,356
Investment Income
$90,156
Other Revenue
$332,882
Change in Net Assets
$-45,073
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$542,630
Salaries, Compensation, and Employee Benefits$301,837
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$345,598--$345,598
Other Salaries and Wages$173,435--$173,435
Occupancy$70,566--$70,566
Current Officers, Directors, Trustees, and Key Employees$46,323$11,585-$57,908
Interest$54,180--$54,180
Other Employee Benefits-$39,301-$39,301
Insurance$24,411--$24,411
Payroll Taxes-$18,538-$18,538
Depreciation Depletion$14,724--$14,724
Pension Plan Contributions-$12,655-$12,655
Fees for Services Other$6,811--$6,811
Advertising$4,322--$4,322
Other Expenses$2,748--$2,748
Conferences and Meetings$900--$900
Total Functional Expenses$762,388$82,079$0$844,467
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$25,263$96,374▲ $71,111
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
All Other Shares and Deposits$7,459,594
Share Draft Accounts$1,900,287
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
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
Thomas F Joyce
Title
Manager
Phone
2292438131
Signed
2020-04-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Seymour M Pelton
Formed
1992
Legal Domicile
Ga
Voting Board Members
7
Independent Board Members
7
Employees
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 mission of three rivers credit union is to safeguard and manage effectively the assets entrusted to the credit union by its member-owners; to better the economic well-being of our member-owners by delivering convenient, personalized products and services of exceptional value; and to uphold the credit union philosophy of people helping people.”

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

“TOTAL PROGRAM EXPENSES”

Form 990, Part XI, Line 9

“Correction to a/p, mortgage, and bill pay accts -6,164”

Raw XML AppendixShowing 400 of 432 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/OtherSecuritiesGrp/Desc0TOTAL INVESTMENTS
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0REAL ESTATE LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2CD SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3CD SECURED
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5LOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt080000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt18500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt215254
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt315500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt48500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt58500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt63650
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0TOM JOYCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1GUEST LEANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2ROBERTS TERESA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3GODWIN FRANK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4CAROL SMITH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5HAIRE DIANNE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6HAIRE DIANNE
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IRS990ScheduleL/TotalBalanceDueAmt096374
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE MISSION OF THREE RIVERS CREDIT UNION IS TO SAFEGUARD AND MANAGE EFFECTIVELY THE ASSETS ENTRUSTED TO THE CREDIT UNION BY ITS MEMBER-OWNERS; TO BETTER THE ECONOMIC WELL-BEING OF OUR MEMBER-OWNERS BY DELIVERING CONVENIENT, PERSONALIZED PRODUCTS AND SERVICES OF EXCEPTIONAL VALUE; AND TO UPHOLD THE CREDIT UNION PHILOSOPHY OF PEOPLE HELPING PEOPLE.
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/ExplanationTxt6CORRECTION TO A/P, MORTGAGE, AND BILL PAY ACCTS -6,164
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/TaxablePartyNotificationInd0false
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0799394
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ReturnHeader/BuildTS02020-04-17 16:48:07Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0THOMAS F JOYCE

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,933,318
Liabilities
$9,403,948
Net assets
$1,529,370
Revenue
$799,394
Expenses
$844,467
Net income
-$45,073
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