Civic Intelligence

278 Triangle Credit Union Inc

990 • Fiscal year 2013 • EIN 31-0589553

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 23, 2014

Organization Profilewww.trianglecu.com

View Organization Page

2875 Culver Ave45429

(937) 294-4795

Siviq Scores

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

Liabilities / Assets

61st percentile

0.88x

Higher debt load relative to assets than 61% of similar nonprofits.

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

Liabilities / Revenue

78th percentile

26.35x

Higher debt load relative to revenue than 78% of similar nonprofits.

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

Net Margin

9th percentile

-16%

Higher net margin than 9% of similar nonprofits.

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

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

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

Asset Growth

30th percentile

-1.0%

Faster asset growth than 30% 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 / Assets61st percentile

Assets

Down

$17,319,554

Down $168,068 (-1.0%) from 2012

Net Assets

Down

$2,059,071

Down $102,775 (-4.8%) from 2012

Liabilities

Down

$15,260,483

Down $65,293 (-0.4%) from 2012

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin9th percentile

Revenue

$579,219

No earlier filing loaded for comparison.

Expenses

Down

$671,881

Down $70,844 (-9.5%) from 2012

Net Income

-$92,662

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth30th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $17,049,049Liabilities 2010: $14,827,685Net Assets 2010: $2,221,3642010Assets 2011: $17,254,102Liabilities 2011: $15,030,306Net Assets 2011: $2,223,7962011Assets 2012: $17,487,622Liabilities 2012: $15,325,776Net Assets 2012: $2,161,8462012Assets 2013: $17,319,554Liabilities 2013: $15,260,483Net Assets 2013: $2,059,0712013Assets 2014: $17,185,580Liabilities 2014: $15,291,622Net Assets 2014: $1,893,9582014Assets 2015: $17,886,928Liabilities 2015: $16,119,108Net Assets 2015: $1,767,8202015Assets 2016: $17,333,809Liabilities 2016: $15,894,825Net Assets 2016: $1,438,9842016

Highlighted filing

2013

Assets$17,319,554
Liabilities$15,260,483
Net Assets$2,059,071
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $906,5662010Expenses 2011: $765,7132011Expenses 2012: $742,7252012Revenue 2013: $579,219Expenses 2013: $671,881Net Income 2013: -$92,6622013Revenue 2014: $503,804Expenses 2014: $668,917Net Income 2014: -$165,1132014Revenue 2015: $492,084Expenses 2015: $611,876Net Income 2015: -$119,7922015Revenue 2016: $499,123Expenses 2016: $827,959Net Income 2016: -$328,8362016

Highlighted filing

2013

Revenue$579,219
Expenses$671,881
Net Income-$92,662
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 23, 2014
Return Version
2013v3.0
Gross Receipts
$579,219
Mission and Program Overview

Mission

Triangle Credit Union, is a member-owned financial institution whose purpose is to promote the financial well-being of its members by offering comprehensive and progressive financial services; to provide personal attention to its membership;and to maintain an environment of safety and soundness which contributes to the financial wellness of the credit union

The credit union provides financial services to qualified members

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$11,708,990$12,560,990▲ $852,000
Other Notes and Loans Receivable, Net$4,557,357$3,927,246▼ $630,111
Rtn Earn Endowment Incm Other Fnds$2,161,846$2,059,071▼ $102,775
Cash and Non-Interest-Bearing Accounts$217,998$223,187▲ $5,189
Savings and Temporary Cash Investments$558,632$169,161▼ $389,471
Land, Buildings, and Equipment, Net$105,473$91,305▼ $14,168
Prepaid Expenses and Deferred Charges$13,432$24,966▲ $11,534
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$17,487,622$17,319,554▼ $168,068
Other Assets Total$325,740$322,699▼ $3,041
Liabilities
Other Liabilities$15,287,917$15,202,863▼ $85,054
Accounts Payable and Accrued Expenses$37,859$57,620▲ $19,761
Total Liabilities$15,325,776$15,260,483▼ $65,293
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,161,846$2,059,071▼ $102,775
Total Liabilities and Net Assets / Fund Balance$17,487,622$17,319,554▼ $168,068

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,288$468,821$481,109
Equipment$29,017$171,760$200,777
Land$50,000-$50,000
Leasehold Improvements$0$12,279$12,279
Investment Program Related Org$12,560,990--
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Ron OdisterPresident
Boyd HarroldVice President
David AtchisonBoard Member
John NunnerDirector
Sharee DickSecretary-Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$363,240
Investment Income
$215,979
Other Revenue
$0
Change in Net Assets
$-92,662
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$364,524
Salaries, Compensation, and Employee Benefits$299,382
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$226,813-$226,813
Other Expenses$101,346$30,623$0$131,969
Information Technology-$86,629-$86,629
Occupancy-$70,741-$70,741
Other Employee Benefits-$54,382-$54,382
Office Expenses-$27,050-$27,050
Payroll Taxes-$18,187-$18,187
Depreciation Depletion-$13,305-$13,305
Insurance-$12,488-$12,488
Advertising-$10,581-$10,581
Benefits to Members$7,975--$7,975
Fees for Services Accounting-$6,000-$6,000
Travel-$2,539-$2,539
Conferences and Meetings-$2,529-$2,529
Fees for Services Legal-$595-$595
Interest-$98-$98
Total Functional Expenses$109,321$562,560$0$671,881
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$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Savings/cd Accounts$15,202,863
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is comprised of a single class of approximately 3000 memer-owners each that has equal rights in ownership, governance and voting rights at the annual meetings, with the exception of the member-owners who are elected to the board of directors.”

Form 990, Part VI, Section A, Line 7A

“The member owners of the credit union have the authority to elect the members of the board of directors for a 3 year term on a rotating basis. Candidates are elected by a simple plurality vote. The board of directors hires an independent auditor to audit the records of the credit union and internal control procedures.”

Form 990, Part VI, Section A, Line 7B

“changes to the governing documents (by-laws) are approved by the Board of Directors and the Regulatory Agencies”

Form 990, Part VI, Section B, Line 11B

“Prior to being filed with the IRS, a copy of form 990 and the related schedules are reviewed by the Presidenet and Manager, including a confirmation of the accuracy of every answer and voted on at a board meeting prior to submittal to the IRS.”

Form 990, Part VI, Section B, Line 12C

“The board of directos reviews the conflicy of interest policy yearly along with other policies. The conflict of interest statements are signed by each board member annually.”

Form 990, Part VI, Section C, Line 19

“The credit union financial statements are posted in the credit union lobby. They are available on line at www.ncua.gov. The credit union bylaws can be reviewed by appointment at the credit union office”

Filing and Contact Details

Filer

EIN
31-0589553
Phone
9372944795

Signing Officer

Name
ronald odister
Title
president
Phone
9372944795
Signed
2014-04-23

Organization Details

Formed
1939
Legal Domicile
Oh
Voting Board Members
5
Independent Board Members
5
Employees
8
Volunteers
5
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2

“Member savings and c/d accounts”

Raw XML Appendix375 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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IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015202863
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SAVINGS/CD ACCOUNTS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MEMBER SAVINGS AND C/D ACCOUNTS
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt091305
IRS990ScheduleD/TotalBookValueProgramRltdAmt012560990
IRS990ScheduleD/TotalLiabilityAmt015202863
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 3000 MEMER-OWNERS EACH THAT HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF THE MEMBER-OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBER OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR A 3 YEAR TERM ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. THE BOARD OF DIRECTORS HIRES AN INDEPENDENT AUDITOR TO AUDIT THE RECORDS OF THE CREDIT UNION AND INTERNAL CONTROL PROCEDURES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2changes to the governing documents (by-laws) are approved by the Board of Directors and the Regulatory Agencies
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Prior to being filed with the IRS, a copy of form 990 and the related schedules are reviewed by the Presidenet and Manager, including a confirmation of the accuracy of every answer and voted on at a board meeting prior to submittal to the IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTOS REVIEWS THE CONFLICY OF INTEREST POLICY YEARLY ALONG WITH OTHER POLICIES. THE CONFLICT OF INTEREST STATEMENTS ARE SIGNED BY EACH BOARD MEMBER ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. THEY ARE AVAILABLE ON LINE AT WWW.NCUA.GOV. THE CREDIT UNION BYLAWS CAN BE REVIEWED BY APPOINTMENT AT THE CREDIT UNION OFFICE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OH
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt017487622
IRS990/TotalAssetsEOYAmt017319554
IRS990/TotalAssetsGrp/BOYAmt017487622
IRS990/TotalAssetsGrp/EOYAmt017319554
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0562560
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0109321
IRS990/TotalFunctionalExpensesGrp/TotalAmt0671881
IRS990/TotalGrossUBIAmt05127
IRS990/TotalLiabilitiesBOYAmt015325776
IRS990/TotalLiabilitiesEOYAmt015260483
IRS990/TotalLiabilitiesGrp/BOYAmt015325776
IRS990/TotalLiabilitiesGrp/EOYAmt015260483
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02161846
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02059071
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0358113
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0363240
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt05127
IRS990/TotalProgramServiceExpensesAmt0109321
IRS990/TotalProgramServiceRevenueAmt0363240
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt0215979
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0358113
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0579219
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05127
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017487622
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017319554
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt02539
IRS990/TravelGrp/TotalAmt02539
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102875 CULVER AVE
IRS990/USAddress/City0KETTERING
IRS990/USAddress/State0OH
IRS990/USAddress/ZIPCode045429
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.trianglecu.com
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ronald odister
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0president
ReturnHeader/BusinessOfficerGrp/PhoneNum09372944795
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-23
ReturnHeader/Filer/BusinessName/BusinessNameLine10278 TRIANGLE CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0278T
ReturnHeader/Filer/EIN0310589553
ReturnHeader/Filer/PhoneNum09372944795
ReturnHeader/Filer/USAddress/AddressLine102875 Culver Ave
ReturnHeader/Filer/USAddress/City0Kettering
ReturnHeader/Filer/USAddress/State0OH
ReturnHeader/Filer/USAddress/ZIPCode045429
ReturnHeader/ReturnTs02014-04-15T11:33:15-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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
$17,319,554
Liabilities
$15,260,483
Net assets
$2,059,071
Revenue
$579,219
Expenses
$671,881
Net income
-$92,662
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$17.3$15.9$1.44$0.50$0.83$0.33
2015Detailed filing. Detailed filing data is available for this year.$17.9$16.1$1.77$0.49$0.61$0.12
2014Detailed filing. Detailed filing data is available for this year.$17.2$15.3$1.89$0.50$0.67$0.17
2013Detailed filing. Detailed filing data is available for this year.$17.3$15.3$2.06$0.58$0.67$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.5$15.3$2.16$0.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.3$15.0$2.22$0.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.0$14.8$2.22$0.91