Civic Intelligence

Spruance Cellophane Credit Union

990 • Fiscal year 2017 • EIN 54-0568480

Jan 01, 2017 to Dec 31, 2017 • Filed on Jul 30, 2018

Organization Profilewww.spruancecu.org
7119 Jefferson Davis HwyRichmond, VA 23237

(804) 383-3309

Siviq Scores

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

Liabilities / Assets

99th percentile

0.94x

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

72nd percentile

23.64x

Higher debt load relative to revenue than 72% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

2nd percentile

-50%

Higher net margin than 2% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

15th percentile

-4.6%

Faster asset growth than 15% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

8th percentile

-7.3%

Faster revenue growth than 8% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$5,491,118

Down $267,722 (-4.6%) from 2016

Net Assets

Down

$309,198

Down $110,456 (-26%) from 2016

Liabilities

Down

$5,181,920

Down $157,266 (-2.9%) from 2016

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin2nd percentile

Revenue

Down

$219,182

Down $17,245 (-7.3%) from 2016

Expenses

Up

$329,638

Up $4,866 (+1.5%) from 2016

Net Income

Down

-$110,456

Down $22,111 (-25%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth15th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $5,775,095Liabilities 2010: $5,082,293Net Assets 2010: $692,8022010Assets 2011: $5,771,339Liabilities 2011: $5,117,784Net Assets 2011: $653,5552011Assets 2012: $5,746,731Liabilities 2012: $5,137,950Net Assets 2012: $608,7812012Assets 2013: $5,703,320Liabilities 2013: $5,178,220Net Assets 2013: $525,1002013Assets 2014: $5,703,651Liabilities 2014: $5,154,939Net Assets 2014: $548,7122014Assets 2015: $5,923,019Liabilities 2015: $5,415,020Net Assets 2015: $507,9992015Assets 2016: $5,758,840Liabilities 2016: $5,339,186Net Assets 2016: $419,6542016Assets 2017: $5,491,118Liabilities 2017: $5,181,920Net Assets 2017: $309,1982017

Highlighted filing

2017

Assets$5,491,118
Liabilities$5,181,920
Net Assets$309,198
Open 2017 Filing

Operations Trend

Revenue Growth8th percentile

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

$400K$200K$0-$200KExpenses 2010: $374,5372010Expenses 2011: $358,3442011Expenses 2012: $338,2372012Revenue 2013: $263,800Expenses 2013: $347,481Net Income 2013: -$83,6812013Revenue 2014: $263,704Expenses 2014: $346,473Net Income 2014: -$82,7692014Revenue 2015: $270,826Expenses 2015: $311,539Net Income 2015: -$40,7132015Revenue 2016: $236,427Expenses 2016: $324,772Net Income 2016: -$88,3452016Revenue 2017: $219,182Expenses 2017: $329,638Net Income 2017: -$110,4562017

Highlighted filing

2017

Revenue$219,182
Expenses$329,638
Net Income-$110,456
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 30, 2018
Return Version
2017v2.2
Gross Receipts
$219,182
Mission and Program Overview

Mission

To provide affordable financial services to its members, including loan relationships, depository services, credit cards and internet banking at convenient locations by professionals who provide excellent service.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,708,625$2,620,325▼ $88,300
Rtn Earn Endowment Incm Other Fnds$419,654$309,198▼ $110,456
Land, Buildings, and Equipment, Net$164,444$159,684▼ $4,760
Cash and Non-Interest-Bearing Accounts$152,657$129,522▼ $23,135
Prepaid Expenses and Deferred Charges$13,223$16,346▲ $3,123
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$5,758,840$5,491,118▼ $267,722
Other Assets Total$2,719,891$2,565,241▼ $154,650
Liabilities
Other Liabilities$5,335,179$5,178,458▼ $156,721
Accounts Payable and Accrued Expenses$4,007$3,462▼ $545
Total Liabilities$5,339,186$5,181,920▼ $157,266
Net Assets / Fund Balance
Total Net Assets Fund Balance$419,654$309,198▼ $110,456
Total Liabilities and Net Assets / Fund Balance$5,758,840$5,491,118▼ $267,722

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$26,459$341,079$367,538
Land$113,885-$113,885
Other Land Buildings$19,340-$19,340
Other Assets Org$53,352--
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Carol FountainPresident
Francis UnderwoodDirector
Michael BassDirector
George FlemingTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$183,894
Investment Income
$35,288
Other Revenue
$0
Change in Net Assets
$-110,456
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$182,039
Other Expenses$147,599
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$133,226
All Other Expenses---$55,996
Other Employee Benefits---$28,290
Other Expenses---$12,390
Payroll Taxes---$10,286
Pension Plan Contributions---$10,237
Insurance---$6,763
Depreciation Depletion---$1,251
Total Functional Expenses$0$0$0$329,638
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits$5,178,458
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“Review by supervisory committee”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Items available upon request”

Filing and Contact Details

Filer

Filer Name
Spruance Cellophane Credit Union
EIN
54-0568480
Phone
8043833309
Address
7119 JEFFERSON DAVIS HWY, RICHMOND, VA 23237

Signing Officer

Name
Dottie Conwell
Title
CEO
Signed
2018-07-30
Discuss with paid preparer
Yes

Organization Details

Formed
1953
Legal Domicile
Va
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
7

Preparer

Firm
Boyce Spady & Moore Plc
Address
1013 W Washington Street, Suffolk, VA 23434
Preparer
Robert M Moore Jr
Phone
7575392953
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E: Other Expenses

“ADVERTISING: Column (A) - Total = $600; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“DUES: Column (A) - Total = $5161; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“INTEREST: Column (A) - Total = $1809; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“LOAN SERVICING: Column (A) - Total = $4359; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“MAINTENANCE: Column (A) - Total = $5221; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“MEETINGS: Column (A) - Total = $314; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“MISCELLANEOUS: Column (A) - Total = $2189; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“OFFICE: Column (A) - Total = $11945; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“PROFESSIONAL FEES: Column (A) - Total = $5521; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“PROVISION FOR LOAN LOSSES: Column (A) - Total = $6500; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“RE/PP TAXES: Column (A) - Total = $6752; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“SECURITY: Column (A) - Total = $303; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“STATE CORP EXAM: Column (A) - Total = $3243; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“UTILITIES: Column (A) - Total = $2079; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Raw XML Appendix390 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.

Path#Value
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0367538
IRS990ScheduleD/LandGrp/BookValueAmt0113885
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0113885
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt05197
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt110832
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt22499395
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3-3785
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt4250
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt553352
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INVESTMENT INCOME
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3LOANS - ALLOWANCE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4OTHER ASSET
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5SHARE INS DEPOSIT
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt019340
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt019340
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05178458
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0159684
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02565241
IRS990ScheduleD/TotalLiabilityAmt05178458
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01139
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt120252
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt23349
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1LOANS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt03286
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt124250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt24000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0CAROL FOUNTAIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1GEORGE FLEMING
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MICHAEL BASS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt024740
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0REVIEW BY SUPERVISORY COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ITEMS AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ADVERTISING: Column (A) - Total = $600; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DUES: Column (A) - Total = $5161; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INTEREST: Column (A) - Total = $1809; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5LOAN SERVICING: Column (A) - Total = $4359; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MAINTENANCE: Column (A) - Total = $5221; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MEETINGS: Column (A) - Total = $314; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MISCELLANEOUS: Column (A) - Total = $2189; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9OFFICE: Column (A) - Total = $11945; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10PROFESSIONAL FEES: Column (A) - Total = $5521; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11PROVISION FOR LOAN LOSSES: Column (A) - Total = $6500; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12RE/PP TAXES: Column (A) - Total = $6752; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13SECURITY: Column (A) - Total = $303; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14STATE CORP EXAM: Column (A) - Total = $3243; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15UTILITIES: Column (A) - Total = $2079; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990, Part IX, Line 24e: Other Expenses
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05758840
IRS990/TotalAssetsEOYAmt05491118
IRS990/TotalAssetsGrp/BOYAmt05758840
IRS990/TotalAssetsGrp/EOYAmt05491118
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0329638
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05339186
IRS990/TotalLiabilitiesEOYAmt05181920
IRS990/TotalLiabilitiesGrp/BOYAmt05339186
IRS990/TotalLiabilitiesGrp/EOYAmt05181920
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0419654
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0309198
IRS990/TotalProgramServiceRevenueAmt0183894
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0219182
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0219182
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05758840
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05491118
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.spruancecu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DOTTIE CONWELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-07-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SPRUANCE CELLOPHANE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SPRU
ReturnHeader/Filer/EIN0540568480
ReturnHeader/Filer/PhoneNum08043833309
ReturnHeader/Filer/USAddress/AddressLine1Txt07119 JEFFERSON DAVIS HWY
ReturnHeader/Filer/USAddress/CityNm0RICHMOND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd023237
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0830368487
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BOYCE SPADY & MOORE PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01013 W Washington Street
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Suffolk
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd023434
ReturnHeader/PreparerPersonGrp/PhoneNum07575392953
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robert M Moore Jr
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02018-07-30T06:54:57-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,491,118
Liabilities
$5,181,920
Net assets
$309,198
Revenue
$219,182
Expenses
$329,638
Net income
-$110,456
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$5.49$5.18$0.31$0.22$0.33$0.11
2016Detailed filing. Detailed filing data is available for this year.$5.76$5.34$0.42$0.24$0.32$0.09
2015Detailed filing. Detailed filing data is available for this year.$5.92$5.42$0.51$0.27$0.31$0.04
2014Detailed filing. Detailed filing data is available for this year.$5.70$5.15$0.55$0.26$0.35$0.08
2013Detailed filing. Detailed filing data is available for this year.$5.70$5.18$0.53$0.26$0.35$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.75$5.14$0.61$0.34
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.77$5.12$0.65$0.36
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.78$5.08$0.69$0.37