Civic Intelligence

Virginia United Methodist Credit Union

EIN 54-0575188 • 501(c)14 • Richmond, VA

Profile

Credit Union is a cooperative organized for the purpose of promoting thrift among its members and creating a source of credit for provident or productive purposes

7305 Boulders View LaneRichmond, VA 23225

www.tumcu.org

Siviq Scores

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

Liabilities / Assets

77th percentile

0.90x

Higher debt load relative to assets than 77% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

23rd percentile

12.15x

Higher debt load relative to revenue than 23% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

64th percentile

13%

Higher net margin than 64% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

13th percentile

$22,761

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

7th percentile

-11%

Faster asset growth than 7% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

49th percentile

6.1%

Faster revenue growth than 49% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets77th percentile

Assets

Down

$15,710,899

Down $1,871,193 (-11%) from 2024

Liabilities

Down

$14,190,030

Down $1,885,477 (-12%) from 2024

Net Assets

Up

$1,520,869

Up $14,284 (+0.9%) from 2024

Operations
Liabilities / Revenue23rd percentileNet Margin64th percentile

Revenue

Up

$1,168,338

Up $66,705 (+6.1%) from 2024

Expenses

Up

$1,021,164

Up $68,086 (+7.1%) from 2024

Net Income

Down

$147,174

Down $1,381 (-0.9%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth7th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $19,169,409Liabilities 2010: $17,783,843Net Assets 2010: $1,385,5662010Assets 2011: $17,893,180Liabilities 2011: $16,503,045Net Assets 2011: $1,390,1352011Assets 2012: $18,932,477Liabilities 2012: $17,452,500Net Assets 2012: $1,479,9772012Assets 2013: $17,473,356Liabilities 2013: $15,948,779Net Assets 2013: $1,524,5772013Assets 2014: $18,725,888Liabilities 2014: $17,224,681Net Assets 2014: $1,501,2072014Assets 2015: $16,095,033Liabilities 2015: $14,672,991Net Assets 2015: $1,422,0422015Assets 2016: $15,703,817Liabilities 2016: $14,316,887Net Assets 2016: $1,386,9302016Assets 2017: $16,932,845Liabilities 2017: $15,649,286Net Assets 2017: $1,283,5592017Assets 2018: $16,724,047Liabilities 2018: $15,438,138Net Assets 2018: $1,285,9092018Assets 2019: $16,005,015Liabilities 2019: $14,705,471Net Assets 2019: $1,299,5442019Assets 2020: $19,292,818Liabilities 2020: $17,957,229Net Assets 2020: $1,335,5892020Assets 2021: $19,324,765Liabilities 2021: $17,873,870Net Assets 2021: $1,450,8952021Assets 2022: $17,784,615Liabilities 2022: $16,322,948Net Assets 2022: $1,461,6672022Assets 2023: $17,589,871Liabilities 2023: $16,095,255Net Assets 2023: $1,494,6162023Assets 2024: $17,582,092Liabilities 2024: $16,075,507Net Assets 2024: $1,506,5852024Assets 2025: $15,710,899Liabilities 2025: $14,190,030Net Assets 2025: $1,520,8692025

Highlighted filing

2025

Assets$15,710,899
Liabilities$14,190,030
Net Assets$1,520,869
Open 2025 Filing

Operations Trend

Revenue Growth49th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,267,8232010Expenses 2011: $1,230,3262011Revenue 2012: $1,114,937Expenses 2012: $1,025,095Net Income 2012: $89,8422012Revenue 2013: $974,031Expenses 2013: $929,431Net Income 2013: $44,6002013Revenue 2014: $884,912Expenses 2014: $908,282Net Income 2014: -$23,3702014Revenue 2015: $861,554Expenses 2015: $937,566Net Income 2015: -$76,0122015Revenue 2016: $830,699Expenses 2016: $857,761Net Income 2016: -$27,0622016Revenue 2017: $869,416Expenses 2017: $972,788Net Income 2017: -$103,3722017Revenue 2018: $1,025,189Expenses 2018: $972,315Net Income 2018: $52,8742018Revenue 2019: $1,018,352Expenses 2019: $951,342Net Income 2019: $67,0102019Revenue 2020: $1,076,266Expenses 2020: $980,736Net Income 2020: $95,5302020Revenue 2021: $1,275,341Expenses 2021: $1,095,135Net Income 2021: $180,2062021Revenue 2022: $896,440Expenses 2022: $848,201Net Income 2022: $48,2392022Revenue 2023: $1,011,950Expenses 2023: $899,049Net Income 2023: $112,9012023Revenue 2024: $1,101,633Expenses 2024: $953,078Net Income 2024: $148,5552024Revenue 2025: $1,168,338Expenses 2025: $1,021,164Net Income 2025: $147,1742025

Highlighted filing

2025

Revenue$1,168,338
Expenses$1,021,164
Net Income$147,174
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,710,899
Liabilities
$14,190,030
Net assets
$1,520,869
Revenue
$1,168,338
Expenses
$1,021,164
Net income
$147,174
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$15.7$14.2$1.52$1.17$1.02$0.15
2024Detailed filing. Detailed filing data is available for this year.$17.6$16.1$1.51$1.10$0.95$0.15
2023Detailed filing. Detailed filing data is available for this year.$17.6$16.1$1.49$1.01$0.90$0.11
2022Detailed filing. Detailed filing data is available for this year.$17.8$16.3$1.46$0.90$0.85$0.05
2021Detailed filing. Detailed filing data is available for this year.$19.3$17.9$1.45$1.28$1.10$0.18
2020Detailed filing. Detailed filing data is available for this year.$19.3$18.0$1.34$1.08$0.98$0.10
2019Detailed filing. Detailed filing data is available for this year.$16.0$14.7$1.30$1.02$0.95$0.07
2018Detailed filing. Detailed filing data is available for this year.$16.7$15.4$1.29$1.03$0.97$0.05
2017Detailed filing. Detailed filing data is available for this year.$16.9$15.6$1.28$0.87$0.97$0.10
2016Detailed filing. Detailed filing data is available for this year.$15.7$14.3$1.39$0.83$0.86$0.03
2015Detailed filing. Detailed filing data is available for this year.$16.1$14.7$1.42$0.86$0.94$0.08
2014Detailed filing. Detailed filing data is available for this year.$18.7$17.2$1.50$0.88$0.91$0.02
2013Detailed filing. Detailed filing data is available for this year.$17.5$15.9$1.52$0.97$0.93$0.04
2012Summary only. Only limited summary data is available for this year.$18.9$17.5$1.48$1.11$1.03$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.9$16.5$1.39$1.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.2$17.8$1.39$1.27
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 18, 2026
Return Version
2025v4.0
Gross Receipts
$1,168,338
Mission and Program Overview

Mission

Credit Union is a cooperative organized for the purpose of promoting thrift among its members and creating a source of credit for provident or productive purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$12,837,820$13,593,913▲ $756,093
Rtn Earn Endowment Incm Other Fnds$1,506,585$1,520,869▲ $14,284
Investments Program Related$2,790,306$608,665▼ $2,181,641
Land, Buildings, and Equipment, Net$400,014$389,404▼ $10,610
Savings and Temporary Cash Investments$447,307$220,532▼ $226,775
Prepaid Expenses and Deferred Charges$90,965$87,779▼ $3,186
Cash and Non-Interest-Bearing Accounts$41,639$43,883▲ $2,244
Accounts Receivable$151,827$17,542▼ $134,285
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$17,582,092$15,710,899▼ $1,871,193
Other Assets Total$822,214$749,181▼ $73,033
Liabilities
Other Liabilities$15,973,526$14,181,620▼ $1,791,906
Accounts Payable and Accrued Expenses$101,981$8,410▼ $93,571
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$16,075,507$14,190,030▼ $1,885,477
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,506,585$1,520,869▲ $14,284
Total Liabilities and Net Assets / Fund Balance$17,582,092$15,710,899▼ $1,871,193

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$311,584$35,616-
Land$52,300--
Equipment$25,520$-51,404-
Compensation and Service Providers
Top Officer Pay13th percentile

Employees

NameTitleFull / Part TimeBaseTotal
James EadsCEOFT$22,761$22,761

Board Members and Trustees

NameTitle
Alvin HortonBoard Chairperson
William JamesBoard Vice-Chairperson
Chris BurgessBoard Member
David AdkinsBoard Member
Jeff PetersonBoard Member
Paul EichelbergerBord Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,113,705
Investment Income
$54,633
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$147,174
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$666,087
Salaries, Compensation, and Employee Benefits$355,077
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$238,645$0$238,645
Other Expenses$0$216,477$0$216,477
Office Expenses$0$129,633$0$129,633
Information Technology$0$105,814$0$105,814
Other Employee Benefits$0$51,356$0$51,356
Fees for Services Other$0$39,904$0$39,904
Current Officers, Directors, Trustees, and Key Employees$0$38,272$0$38,272
All Other Expenses$0$26,102$0$26,102
Occupancy$0$20,557$0$20,557
Payroll Taxes$0$19,825$0$19,825
Insurance$0$17,158$0$17,158
Depreciation Depletion$0$16,658$0$16,658
Pension Plan Contributions$0$6,979$0$6,979
Advertising$0$3,091$0$3,091
Interest$0$2,584$0$2,584
Travel$0$812$0$812
Conferences and Meetings$0$397$0$397
Fees for Services Legal$0$261$0$261
Total Functional Expenses$0$1,021,164$0$1,021,164
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Share Accounts$5,750,116
Share Draft Accounts$4,525,101
Share Certificates$3,204,163
Money Market Accounts$610,376
IRA Certificates$91,864
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 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
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

Governance Explanations

Part VI, Section B, Line 1

“There are not material differences”

Part VI, Line 6

“Credit Union: A cooperative financial institution with each member with $5 balance having one vote to elect the Board of Directors”

Part VI, Line 7A

“Credit Union Member one vote each to elect the Board of Directors|”

Part VI, Line 11B

“Prepared by the Finance Director using Year End financial and payroll reports then reviewed by CEO. The Form 990 will be available upon request of any Board member or general member of the credit union”

Part VI, Line 12C

“Annually sign firm disclosing any possible conflicts”

Part VI, Line 19

“Quarterly financial reports are on display in the office which is accessible to the public. Reports and polices are available to members upon request.”

Filing and Contact Details

Filer

Filer Name
Virginia United Methodist Credit Union
EIN
54-0575188
Phone
8046720200
Address
7305 Boulders View Lane, Richmond, VA 23225

Signing Officer

Name
James Eads
Title
CEO
Phone
8046720200
Signed
2026-03-18

Organization Details

Principal Officer
James Eads
Formed
1952
Legal Domicile
Va
Voting Board Members
6
Independent Board Members
6
Employees
9
Volunteers
10
Supplemental Narrative

Additional Explanations

Part XI, Line 9

“| Description:, Explanation:, Amount:| Dividends Paid, Dividends paid to members on deposits, $-132890|”

Raw XML AppendixShowing 400 of 600 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/PersonNm1William James
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IRS990/Form990PartVIISectionAGrp/PersonNm4David Adkins
IRS990/Form990PartVIISectionAGrp/PersonNm5Paul Eichelberger
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