Civic Intelligence

Kw Savings Co

990 • Fiscal year 2015 • EIN 45-1285216

Jan 01, 2015 to Dec 31, 2015 • Filed on May 15, 2016

Organization ProfileN/A
808 Knox Abbott DriveCayce, SC 29033-3311

(803) 779-4975

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.98x

Higher debt load relative to assets than 93% of similar nonprofits.

2015 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

99th percentile

28.72x

Higher debt load relative to revenue than 99% of similar nonprofits.

2015 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2015

Net Margin

70th percentile

20%

Higher net margin than 70% of similar nonprofits.

2015 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

57th percentile

$0

Higher top officer pay than 57% of similar nonprofits.

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

2015 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2015

Asset Growth

97th percentile

93%

Faster asset growth than 97% of similar nonprofits.

2015 filings • 501(c)4 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

35th percentile

-2.2%

Faster revenue growth than 35% of similar nonprofits.

2015 filings • 501(c)4 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$4,535,238

Up $2,189,234 (+93%) from 2014

Net Assets

Up

$96,425

Up $30,165 (+46%) from 2014

Liabilities

Up

$4,438,813

Up $2,159,069 (+95%) from 2014

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin70th percentile

Revenue

Down

$154,555

Down $3,461 (-2.2%) from 2014

Expenses

Up

$124,390

Up $1,146 (+0.9%) from 2014

Net Income

Down

$30,165

Down $4,607 (-13%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $871,153Liabilities 2011: $871,120Net Assets 2011: $332011Assets 2012: $1,250,150Liabilities 2012: $1,234,872Net Assets 2012: $15,2782012Assets 2013: $2,092,448Liabilities 2013: $2,056,658Net Assets 2013: $35,7902013Assets 2014: $2,346,004Liabilities 2014: $2,279,744Net Assets 2014: $66,2602014Assets 2015: $4,535,238Liabilities 2015: $4,438,813Net Assets 2015: $96,4252015Assets 2016: $5,240,049Liabilities 2016: $5,163,162Net Assets 2016: $76,8872016Assets 2017: $3,975,546Liabilities 2017: $3,860,765Net Assets 2017: $114,7812017Assets 2018: $3,588,445Liabilities 2018: $3,202,969Net Assets 2018: $385,4762018Assets 2019: $3,171,370Liabilities 2019: $2,837,570Net Assets 2019: $333,8002019Assets 2020: $3,216,929Liabilities 2020: $2,881,707Net Assets 2020: $335,2222020Assets 2021: $3,448,612Liabilities 2021: $3,150,081Net Assets 2021: $298,5312021Assets 2022: $3,668,894Liabilities 2022: $3,416,978Net Assets 2022: $251,9162022Assets 2023: $3,960,806Liabilities 2023: $3,630,931Net Assets 2023: $329,8752023Assets 2024: $4,024,145Liabilities 2024: $3,755,919Net Assets 2024: $268,2262024

Highlighted filing

2015

Assets$4,535,238
Liabilities$4,438,813
Net Assets$96,425
Open 2015 Filing

Operations Trend

Revenue Growth35th percentile

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

$1.0M$500K$0-$500KRevenue 2011: $868,913Expenses 2011: $868,880Net Income 2011: $332011Expenses 2012: $575,5482012Revenue 2013: $340,307Expenses 2013: $319,795Net Income 2013: $20,5122013Revenue 2014: $158,016Expenses 2014: $123,244Net Income 2014: $34,7722014Revenue 2015: $154,555Expenses 2015: $124,390Net Income 2015: $30,1652015Revenue 2016: $120,506Expenses 2016: $140,044Net Income 2016: -$19,5382016Revenue 2017: $142,866Expenses 2017: $104,972Net Income 2017: $37,8942017Revenue 2018: $153,843Expenses 2018: $114,560Net Income 2018: $39,2832018Revenue 2019: $126,280Expenses 2019: $201,910Net Income 2019: -$75,6302019Revenue 2020: $119,011Expenses 2020: $117,589Net Income 2020: $1,4222020Revenue 2021: $138,618Expenses 2021: $175,309Net Income 2021: -$36,6912021Revenue 2022: $129,559Expenses 2022: $176,174Net Income 2022: -$46,6152022Revenue 2023: $155,254Expenses 2023: $77,295Net Income 2023: $77,9592023Revenue 2024: $99,904Expenses 2024: $74,766Net Income 2024: $25,1382024

Highlighted filing

2015

Revenue$154,555
Expenses$124,390
Net Income$30,165
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 15, 2016
Return Version
2015v2.1
Gross Receipts
$154,555
Mission and Program Overview

Mission

To promote social welfare by financially supporting social programs directed toward improving the efficiency and conservation of energy by residents of the community and combating deterioration of residential housing in the community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,128,785$2,563,151▲ $434,366
Cash and Non-Interest-Bearing Accounts$217,219$1,972,087▲ $1,754,868
Rtn Earn Endowment Incm Other Fnds$66,260$96,425▲ $30,165
Total Assets$2,346,004$4,535,238▲ $2,189,234
Liabilities
Other Liabilities$1,663,077$3,914,646▲ $2,251,569
Unsecured Notes Loans Payable$616,667$524,167▼ $92,500
Total Liabilities$2,279,744$4,438,813▲ $2,159,069
Net Assets / Fund Balance
Total Net Assets Fund Balance$66,260$96,425▲ $30,165
Total Liabilities and Net Assets / Fund Balance$2,346,004$4,535,238▲ $2,189,234
Compensation and Service Providers
Top Officer Pay57th percentile

Board Members and Trustees

NameTitle
Marvin SoxPresident
Robert HochstetlerVice President
Chad LowderDirector
Doug ReevesDirector
Gary StooksburyDirector
Ron CalcaterraDirector
Floyd KeelsFormer Director
Mike CouickSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
B&b Heating & CoolingProfessional Services3788 WHETSTONE RD, North, SC 29112$270,420
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$81,429
Investment Income
$70,270
Other Revenue
$2,856
Change in Net Assets
$30,165
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$124,390
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$58,856$0$0$58,856
Other Expenses$48,321$0$0$48,321
Insurance$0$3,823$0$3,823
Fees for Services Accounting$0$2,500$0$2,500
Total Functional Expenses$117,927$6,463$0$124,390
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Coops$3,914,646
Governance and Compliance

Governance Checklist

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

Filer

Filer Name
Kw Savings Co
EIN
45-1285216
Phone
8037794975
Address
808 KNOX ABBOTT DRIVE, CAYCE, SC 29033-3311

Signing Officer

Name
Robert Hochstetler
Title
Vice President
Phone
8037794975
Signed
2016-05-15

Organization Details

Formed
2011
Legal Domicile
Sc
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
0
Supplemental Narrative

Additional Explanations

Pt VI, Line 2

“Directors keel, lowder, reeves and stooksbury all serve as directors on the board of central electric power cooperative inc. Director calcaterra is the former president and ceo of central. Director hochstetler is the current president and ceo of central. Directors keel, lowder, reeves, sox, stooksbury, calcaterra and hochstetler also serve on the board of the electric cooperatives of south carolina (statewide). Director keel is ceo of santee electric cooperative. Director stooksbury is ceo of aiken electric cooperative. Director lowder is the ceo of tri-county electric cooperative. Santee and aiken electric cooperatives participate in providing kws's services to their members. Director couick is the president and ceo of both the electric cooperatives of south carolina and 1st cooperative federal credit union. 1st cooperative provides loan documentation and filing services related to low interest financing of energy efficiency improvements.”

Pt VI, Line 11B

“A complete copy of the return was provided to each board member.”

Pt VI, Line 12C

“The company maintains a written conflict of interest policy which contains a duty to disclose paragraph.”

Form 990, Part III, Line 4D

“Collect pre-energy and post-energy usage data 11793. 0. 8143.”

Raw XML Appendix327 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DIRECTORS KEEL, LOWDER, REEVES AND STOOKSBURY ALL SERVE AS DIRECTORS ON THE BOARD OF CENTRAL ELECTRIC POWER COOPERATIVE INC. DIRECTOR CALCATERRA IS THE FORMER PRESIDENT AND CEO OF CENTRAL. DIRECTOR HOCHSTETLER IS THE CURRENT PRESIDENT AND CEO OF CENTRAL. DIRECTORS KEEL, LOWDER, REEVES, SOX, STOOKSBURY, CALCATERRA AND HOCHSTETLER ALSO SERVE ON THE BOARD OF THE ELECTRIC COOPERATIVES OF SOUTH CAROLINA (STATEWIDE). DIRECTOR KEEL IS CEO OF SANTEE ELECTRIC COOPERATIVE. DIRECTOR STOOKSBURY IS CEO OF AIKEN ELECTRIC COOPERATIVE. DIRECTOR LOWDER IS THE CEO OF TRI-COUNTY ELECTRIC COOPERATIVE. SANTEE AND AIKEN ELECTRIC COOPERATIVES PARTICIPATE IN PROVIDING KWS'S SERVICES TO THEIR MEMBERS. DIRECTOR COUICK IS THE PRESIDENT AND CEO OF BOTH THE ELECTRIC COOPERATIVES OF SOUTH CAROLINA AND 1ST COOPERATIVE FEDERAL CREDIT UNION. 1ST COOPERATIVE PROVIDES LOAN DOCUMENTATION AND FILING SERVICES RELATED TO LOW INTEREST FINANCING OF ENERGY EFFICIENCY IMPROVEMENTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A COMPLETE COPY OF THE RETURN WAS PROVIDED TO EACH BOARD MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPANY MAINTAINS A WRITTEN CONFLICT OF INTEREST POLICY WHICH CONTAINS A DUTY TO DISCLOSE PARAGRAPH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COLLECT PRE-ENERGY AND POST-ENERGY USAGE DATA 11793. 0. 8143.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part III, Line 4d
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02346004
IRS990/TotalAssetsEOYAmt04535238
IRS990/TotalAssetsGrp/BOYAmt02346004
IRS990/TotalAssetsGrp/EOYAmt04535238
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt06463
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0117927
IRS990/TotalFunctionalExpensesGrp/TotalAmt0124390
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02279744
IRS990/TotalLiabilitiesEOYAmt04438813
IRS990/TotalLiabilitiesGrp/BOYAmt02279744
IRS990/TotalLiabilitiesGrp/EOYAmt04438813
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt066260
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt096425
IRS990/TotalOtherProgSrvcExpenseAmt011793
IRS990/TotalOtherProgSrvcRevenueAmt08143
IRS990/TotalProgramServiceExpensesAmt0117927
IRS990/TotalProgramServiceRevenueAmt081429
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0154555
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0154555
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02346004
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04535238
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0616667
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0524167
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt020 COOPERATIVE WAY
IRS990/USAddress/CityNm0COLUMBIA
IRS990/USAddress/StateAbbreviationCd0SC
IRS990/USAddress/ZIPCd029210
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT HOCHSTETLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VICE PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08037794975
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KW SAVINGS CO
ReturnHeader/Filer/BusinessNameControlTxt0KWSA
ReturnHeader/Filer/EIN0451285216
ReturnHeader/Filer/PhoneNum08037794975
ReturnHeader/Filer/USAddress/AddressLine1Txt0808 KNOX ABBOTT DRIVE
ReturnHeader/Filer/USAddress/CityNm0CAYCE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0SC
ReturnHeader/Filer/USAddress/ZIPCd0290333311
ReturnHeader/ReturnTs02016-08-01T07:55:31-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$4,535,238
Liabilities
$4,438,813
Net assets
$96,425
Revenue
$154,555
Expenses
$124,390
Net income
$30,165
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.02$3.76$0.27$0.10$0.07$0.03
2023Detailed filing. Detailed filing data is available for this year.$3.96$3.63$0.33$0.16$0.08$0.08
2022Detailed filing. Detailed filing data is available for this year.$3.67$3.42$0.25$0.13$0.18$0.05
2021Detailed filing. Detailed filing data is available for this year.$3.45$3.15$0.30$0.14$0.18$0.04
2020Detailed filing. Detailed filing data is available for this year.$3.22$2.88$0.34$0.12$0.12$0.00
2019Detailed filing. Detailed filing data is available for this year.$3.17$2.84$0.33$0.13$0.20$0.08
2018Detailed filing. Detailed filing data is available for this year.$3.59$3.20$0.39$0.15$0.11$0.04
2017Detailed filing. Detailed filing data is available for this year.$3.98$3.86$0.11$0.14$0.10$0.04
2016Detailed filing. Detailed filing data is available for this year.$5.24$5.16$0.08$0.12$0.14$0.02
2015Detailed filing. Detailed filing data is available for this year.$4.54$4.44$0.10$0.15$0.12$0.03
2014Detailed filing. Detailed filing data is available for this year.$2.35$2.28$0.07$0.16$0.12$0.03
2013Detailed filing. Detailed filing data is available for this year.$2.09$2.06$0.04$0.34$0.32$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.25$1.23$0.02$0.58
2011Summary only. Only limited summary data is available for this year.$0.87$0.87$0.00$0.87$0.87$0.00