Civic Intelligence

Fort Meade Community Credit Union

EIN 52-0708112 • 501(c)14 • Fort Meade, MD

Profile

Our organization has been granted tax exemption because we are a Credit Union.

PO Box 140Fort Meade, MD 20755-0140

ftmeadeccu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

96th percentile

0.93x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

86th percentile

23.42x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

14th percentile

-6.2%

Higher net margin than 14% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

46th percentile

$110,000

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 8.5% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

22nd percentile

-3.3%

Faster asset growth than 22% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

11th percentile

-5.1%

Faster revenue growth than 11% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets96th percentile

Assets

Down

$32,559,240

Down $1,106,762 (-3.3%) from 2014

Liabilities

Down

$30,420,436

Down $1,026,666 (-3.3%) from 2014

Net Assets

Down

$2,138,804

Down $80,096 (-3.6%) from 2014

Operations
Liabilities / Revenue86th percentileNet Margin14th percentile

Revenue

Down

$1,298,688

Down $70,094 (-5.1%) from 2014

Expenses

Down

$1,378,784

Down $240,368 (-15%) from 2014

Net Income

Up

-$80,096

Up $170,274 (+68%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth22nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40M$30M$20M$10M$0Assets 2010: $31,482,245Liabilities 2010: $28,863,379Net Assets 2010: $2,618,8662010Assets 2011: $34,166,638Liabilities 2011: $31,537,674Net Assets 2011: $2,628,9642011Assets 2012: $38,004,824Liabilities 2012: $35,451,882Net Assets 2012: $2,552,9422012Assets 2013: $36,604,060Liabilities 2013: $34,129,336Net Assets 2013: $2,474,7242013Assets 2014: $33,666,002Liabilities 2014: $31,447,102Net Assets 2014: $2,218,9002014Assets 2015: $32,559,240Liabilities 2015: $30,420,436Net Assets 2015: $2,138,8042015

Highlighted filing

2015

Assets$32,559,240
Liabilities$30,420,436
Net Assets$2,138,804
Open 2015 Filing

Operations Trend

Revenue Growth11th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,631,5172010Revenue 2011: $1,569,624Expenses 2011: $1,567,708Net Income 2011: $1,9162011Expenses 2012: $1,685,6422012Revenue 2013: $1,620,869Expenses 2013: $1,692,723Net Income 2013: -$71,8542013Revenue 2014: $1,368,782Expenses 2014: $1,619,152Net Income 2014: -$250,3702014Revenue 2015: $1,298,688Expenses 2015: $1,378,784Net Income 2015: -$80,0962015

Highlighted filing

2015

Revenue$1,298,688
Expenses$1,378,784
Net Income-$80,096
Open 2015 Filing

Filings

Most recent year

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

Open filing
Assets
$32,559,240
Liabilities
$30,420,436
Net assets
$2,138,804
Revenue
$1,298,688
Expenses
$1,378,784
Net income
-$80,096
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$32.6$30.4$2.14$1.30$1.38$0.08
2014Detailed filing. Detailed filing data is available for this year.$33.7$31.4$2.22$1.37$1.62$0.25
2013Detailed filing. Detailed filing data is available for this year.$36.6$34.1$2.47$1.62$1.69$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.0$35.5$2.55$1.69
2011Summary only. Only limited summary data is available for this year.$34.2$31.5$2.63$1.57$1.57$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.5$28.9$2.62$1.63
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 15, 2016
Return Version
2015v2.1
Gross Receipts
$1,298,688
Mission and Program Overview

Mission

Our organization has been granted tax exemption because we are a Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$20,096,801$18,143,011▼ $1,953,790
Accounts Receivable$9,654,175$8,263,007▼ $1,391,168
Cash and Non-Interest-Bearing Accounts$2,284,387$4,638,723▲ $2,354,336
Land, Buildings, and Equipment, Net$898,036$850,070▼ $47,966
Receivables From Officers Etc$147,393$132,509▼ $14,884
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$33,666,002$32,559,240▼ $1,106,762
Other Assets Total$585,210$531,920▼ $53,290
Liabilities
Other Liabilities$31,411,464$30,387,663▼ $1,023,801
Accounts Payable and Accrued Expenses$35,638$32,773▼ $2,865
Total Liabilities$31,447,102$30,420,436▼ $1,026,666
Net Assets / Fund Balance
Unrestricted Net Assets$1,498,900$1,418,804▼ $80,096
Permanently Rstr Net Assets$720,000$720,000→ $0
Temporarily Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$2,218,900$2,138,804▼ $80,096
Total Liabilities and Net Assets / Fund Balance$33,666,002$32,559,240▼ $1,106,762

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$50,366$0$0
Leasehold Improvements$799,704$0$0
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jacqueline SmithPresident/CEOFT$110,000$110,000

Board Members and Trustees

NameTitle
Ira SnellChairman
Theresa AntoniakLoan Committee Chairwoman
Jim RichBoard Member
Kenneth RaatzBoard Member
Phillip StramblerBoard Member
Phyllis FawsonBoard Member
Victor HamiltonBoard Member
Myrna HayleySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,057,307
Investment Income
$241,381
Other Revenue
$0
Change in Net Assets
$-80,096
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$757,841
Salaries, Compensation, and Employee Benefits$606,875
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$496,875$0$0$496,875
Fees for Services Other$428,550$0$0$428,550
Occupancy$125,976$0$0$125,976
Current Officers, Directors, Trustees, and Key Employees$110,000$0$0$110,000
Office Expenses$90,285$0$0$90,285
Insurance$30,986$0$0$30,986
Other Expenses$29,707$0$0$29,707
Advertising$14,324$0$0$14,324
Benefits to Members$14,068--$14,068
All Other Expenses$12,575$0$0$12,575
Travel$380$0$0$380
Total Functional Expenses$1,378,784$0$0$1,378,784
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$147,393$132,509▼ $14,884
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Member Savings$30,387,663
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The Credit Union has members not stockholders.”

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

“The Credit Union's members elect its governing body annually as each director's term expires.”

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

“Our Form 990 is completed and submitted to the IRS by e-file with a copy presented to FMCCU's entire board at the next scheduled board meeting.”

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

“It's annually reviewed at yearly performance reviews.”

Form 990, Part VI, Section B, Line 15

“The selection, review, and compensation of the Executive Officers are completed by the entire board through special meetings. They use comparable data from peers both locally and nationwide.”

Form 990, Part VI, Section C, Line 19

“All of these items are made available upon request. In addition, we display monthly financial statements in our lobby for public viewing.”

Filing and Contact Details

Filer

Filer Name
Fort Meade Community Credit Union
EIN
52-0708112
Phone
4105515800
Address
PO Box 140, Fort Meade, MD 20755-0140

Signing Officer

Name
Jacqueline Smith
Title
Vice-President
Phone
4105515865
Signed
2016-08-15

Organization Details

Principal Officer
Jacqueline Smith
Formed
1947
Legal Domicile
Md
Voting Board Members
7
Independent Board Members
7
Employees
17
Volunteers
8
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Professional Outside Services.”

Raw XML AppendixShowing 400 of 469 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/OtherExpensesGrp/Desc2Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc3Total Cost of Funds
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt02977
IRS990/OtherExpensesGrp/ProgramServicesAmt13384
IRS990/OtherExpensesGrp/ProgramServicesAmt218697
IRS990/OtherExpensesGrp/ProgramServicesAmt329707
IRS990/OtherExpensesGrp/TotalAmt02977
IRS990/OtherExpensesGrp/TotalAmt13384
IRS990/OtherExpensesGrp/TotalAmt218697
IRS990/OtherExpensesGrp/TotalAmt329707
IRS990/OtherLiabilitiesGrp/BOYAmt031411464
IRS990/OtherLiabilitiesGrp/EOYAmt030387663
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0496875
IRS990/OtherSalariesAndWagesGrp/TotalAmt0496875
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt0720000
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt0720000
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Jacqueline Smith
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Revenue
IRS990/ProgramServiceRevenueGrp/ExclusionAmt0672799
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0672799
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgSrvcAccomActy2Grp/Desc0n/a
IRS990/ProgSrvcAccomActy3Grp/Desc0n/a
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt021410
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0265006
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01010746
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01103776
IRS990/PYRevenuesLessExpensesAmt0-250370
IRS990/PYSalariesCompEmpBnftPaidAmt0586996
IRS990/PYTotalExpensesAmt01619152
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01368782
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0147393
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0132509
IRS990/ReconcilationRevenueExpnssAmt0-80096
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01298688
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt050366
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt050366
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0799704
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0799704
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030387663
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Member Savings
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0850070
IRS990ScheduleD/TotalLiabilityAmt030387663
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union has members not stockholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Credit Union's members elect its governing body annually as each director's term expires.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Our Form 990 is completed and submitted to the IRS by e-file with a copy presented to FMCCU's entire board at the next scheduled board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3It's annually reviewed at yearly performance reviews.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The selection, review, and compensation of the Executive Officers are completed by the entire board through special meetings. They use comparable data from peers both locally and nationwide.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All of these items are made available upon request. In addition, we display monthly financial statements in our lobby for public viewing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Professional Outside Services.
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 B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt00
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt033666002
IRS990/TotalAssetsEOYAmt032559240
IRS990/TotalAssetsGrp/BOYAmt033666002
IRS990/TotalAssetsGrp/EOYAmt032559240

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