Civic Intelligence

Ab & W Credit Union Inc

EIN 54-0634598 • 501(c)14 • Alexandria, VA

View Organization Page

Profile

State charter credit union providing financial services to members.

6201 Richmond WayAlexandria, VA 22303-2437

www.abwcu.org

Siviq Scores

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

Liabilities / Assets

20th percentile

0.83x

Higher debt load relative to assets than 20% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

18th percentile

12.23x

Higher debt load relative to revenue than 18% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

14th percentile

-6.3%

Higher net margin than 14% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

36th percentile

$0

Higher top officer pay than 36% of similar nonprofits.

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

$25M-$50M nonprofits • Source year 2019

Asset Growth

5th percentile

-11%

Faster asset growth than 5% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

18th percentile

-3.5%

Faster revenue growth than 18% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets20th percentile

Assets

Down

$27,601,127

Down $3,272,586 (-11%) from 2018

Liabilities

Down

$22,959,550

Down $3,154,697 (-12%) from 2018

Net Assets

Down

$4,641,577

Down $117,889 (-2.5%) from 2018

Operations
Liabilities / Revenue18th percentileNet Margin14th percentile

Revenue

Down

$1,877,119

Down $67,895 (-3.5%) from 2018

Expenses

Down

$1,995,008

Down $267,056 (-12%) from 2018

Net Income

Up

-$117,889

Up $199,161 (+63%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth5th percentile

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

$40M$30M$20M$10M$0Assets 2013: $29,467,809Liabilities 2013: $24,467,608Net Assets 2013: $5,000,2012013Assets 2014: $30,518,757Liabilities 2014: $25,395,288Net Assets 2014: $5,123,4692014Assets 2015: $31,091,606Liabilities 2015: $26,217,384Net Assets 2015: $4,874,2222015Assets 2016: $32,188,622Liabilities 2016: $27,252,713Net Assets 2016: $4,935,9092016Assets 2017: $32,156,300Liabilities 2017: $27,079,784Net Assets 2017: $5,076,5162017Assets 2018: $30,873,713Liabilities 2018: $26,114,247Net Assets 2018: $4,759,4662018Assets 2019: $27,601,127Liabilities 2019: $22,959,550Net Assets 2019: $4,641,5772019

Highlighted filing

2019

Assets$27,601,127
Liabilities$22,959,550
Net Assets$4,641,577
Open 2019 Filing

Operations Trend

Revenue Growth18th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2013: $1,801,496Expenses 2013: $1,623,683Net Income 2013: $177,8132013Revenue 2014: $1,732,594Expenses 2014: $1,609,326Net Income 2014: $123,2682014Revenue 2015: $1,682,490Expenses 2015: $1,931,737Net Income 2015: -$249,2472015Revenue 2016: $1,756,285Expenses 2016: $1,694,598Net Income 2016: $61,6872016Revenue 2017: $1,856,239Expenses 2017: $1,715,632Net Income 2017: $140,6072017Revenue 2018: $1,945,014Expenses 2018: $2,262,064Net Income 2018: -$317,0502018Revenue 2019: $1,877,119Expenses 2019: $1,995,008Net Income 2019: -$117,8892019

Highlighted filing

2019

Revenue$1,877,119
Expenses$1,995,008
Net Income-$117,889
Open 2019 Filing

Filings

Most recent year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$27,601,127
Liabilities
$22,959,550
Net assets
$4,641,577
Revenue
$1,877,119
Expenses
$1,995,008
Net income
-$117,889
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$27.6$23.0$4.64$1.88$2.00$0.12
2018Detailed filing. Detailed filing data is available for this year.$30.9$26.1$4.76$1.95$2.26$0.32
2017Detailed filing. Detailed filing data is available for this year.$32.2$27.1$5.08$1.86$1.72$0.14
2016Detailed filing. Detailed filing data is available for this year.$32.2$27.3$4.94$1.76$1.69$0.06
2015Detailed filing. Detailed filing data is available for this year.$31.1$26.2$4.87$1.68$1.93$0.25
2014Detailed filing. Detailed filing data is available for this year.$30.5$25.4$5.12$1.73$1.61$0.12
2013Summary only. Only limited summary data is available for this year.$29.5$24.5$5.00$1.80$1.62$0.18
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Feb 19, 2020
Return Version
2019v5.0
Gross Receipts
$1,877,119
Mission and Program Overview

Mission

State charter credit union providing financial services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$18,009,830$16,942,407▼ $1,067,423
Savings and Temporary Cash Investments$11,558,370$8,986,303▼ $2,572,067
Rtn Earn Endowment Incm Other Fnds$4,759,466$4,641,577▼ $117,889
Prepaid Expenses and Deferred Charges$46,660$517,929▲ $471,269
Land, Buildings, and Equipment, Net$528,140$512,079▼ $16,061
Cash and Non-Interest-Bearing Accounts$290,470$271,657▼ $18,813
Total Assets$30,873,713$27,601,127▼ $3,272,586
Other Assets Total$440,243$370,752▼ $69,491
Liabilities
Other Liabilities$25,730,079$23,620,014▼ $2,110,065
Accounts Payable and Accrued Expenses$384,168$-660,464▼ $1,044,632
Total Liabilities$26,114,247$22,959,550▼ $3,154,697
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,759,466$4,641,577▼ $117,889
Total Liabilities and Net Assets / Fund Balance$30,873,713$27,601,127▼ $3,272,586

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$119,864$286,187$406,051
Land$357,000-$357,000
Equipment$35,215$227,595$262,810
Compensation and Service Providers
Top Officer Pay36th percentile

Board Members and Trustees

NameTitle
Ron RydstromChairman
Freddie JamesVice Chairma
Charles FisherMember
Johnnie Johnson JrSecretary
Toni BaileyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,595,593
Investment Income
$220,738
Other Revenue
$60,788
Change in Net Assets
$-117,889
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,327,458
Salaries, Compensation, and Employee Benefits$667,550
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$529,113--$529,113
Information Technology$177,153--$177,153
Other Employee Benefits$95,702--$95,702
All Other Expenses$94,400--$94,400
Other Expenses$86,235--$86,235
Office Expenses$47,469--$47,469
Payroll Taxes$42,735--$42,735
Depreciation Depletion$14,337--$14,337
Conferences and Meetings$7,465--$7,465
Fees for Services Legal$6,666--$6,666
Fees for Services Accounting$6,233--$6,233
Advertising$5,304--$5,304
Total Functional Expenses$1,995,008$0$0$1,995,008
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits by Members$23,620,014
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
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, Page 6, Part VI, Line 6

“By definition, a credit union is made up of its members.”

Form 990, Page 6, Part VI, Line 7A

“The board is voted on by the membership.”

Form 990, Page 6, Part VI, Line 11B

“The 990 is reviewed and approved at a monthly board meeting.”

Form 990, Page 6, Part VI, Line 15A

“The board approves the salary budget and the ceo determines the salary allocation to employees. The board determines the salary of the ceo.”

Form 990, Page 6, Part VI, Line 15B

“The board approves the salary budget and the ceo determines the salary allocation to employees. The board determines the salary of the ceo.”

Form 990, Page 6, Part VI, Line 19

“Documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Ab&w Credit Union Inc
EIN
54-0634598
Phone
7037687000
Address
6201 RICHMOND WAY, ALEXANDRIA, VA 22303-2437

Signing Officer

Name
Connie Simpson
Title
CEO
Phone
7037687000
Signed
2020-02-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ron Rydstrom
Formed
1952
Legal Domicile
Va
Voting Board Members
5
Independent Board Members
5
Employees
9
Volunteers
8

Preparer

Firm
L&h Business Consulting
Address
1212 YORK RD STE C300, LUTHERVILLE, MD 21093-6274
Preparer
Dominic Levis Ea 93839
Phone
4108284177
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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/ExplanationTxt0BY DEFINITION, A CREDIT UNION IS MADE UP OF ITS MEMBERS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 990 IS REVIEWED AND APPROVED AT A MONTHLY BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD APPROVES THE SALARY BUDGET AND THE CEO DETERMINES THE SALARY ALLOCATION TO EMPLOYEES. THE BOARD DETERMINES THE SALARY OF THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD APPROVES THE SALARY BUDGET AND THE CEO DETERMINES THE SALARY ALLOCATION TO EMPLOYEES. THE BOARD DETERMINES THE SALARY OF THE CEO.
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IRS990/TaxExemptBondsInd0false
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IRS990/TotalAssetsBOYAmt030873713
IRS990/TotalAssetsEOYAmt027601127
IRS990/TotalAssetsGrp/BOYAmt030873713
IRS990/TotalAssetsGrp/EOYAmt027601127
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01995008
IRS990/TotalFunctionalExpensesGrp/TotalAmt01995008
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt026114247
IRS990/TotalLiabilitiesEOYAmt022959550
IRS990/TotalLiabilitiesGrp/BOYAmt026114247
IRS990/TotalLiabilitiesGrp/EOYAmt022959550
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04759466
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04641577
IRS990/TotalProgramServiceRevenueAmt01595593
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01877119
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01877119
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030873713
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt027601127
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04921 BEXLEY LANE
IRS990/USAddress/CityNm0FAIRFAX
IRS990/USAddress/StateAbbreviationCd0VA
IRS990/USAddress/ZIPCd022032
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.ABWCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-04-17 16:48:07Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CONNIE SIMPSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07037687000
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-02-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AB&W CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0AB&W
ReturnHeader/Filer/EIN0540634598
ReturnHeader/Filer/PhoneNum07037687000
ReturnHeader/Filer/USAddress/AddressLine1Txt06201 RICHMOND WAY
ReturnHeader/Filer/USAddress/CityNm0ALEXANDRIA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd0223032437
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0BF08DDA2EE871F01B5A4F0FEF59918976E467D0F
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0BF08DDA2EE871F01B5A4F0FEF59918976E467D0F
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0151.196.168.14
ReturnHeader/FilingSecurityInformation/IPDt02020-02-24
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm009:15:30
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0272774643
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0L&H BUSINESS CONSULTING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01212 YORK RD STE C300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LUTHERVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0210936274
ReturnHeader/PreparerPersonGrp/PhoneNum04108284177
ReturnHeader/PreparerPersonGrp/PreparationDt02020-02-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DOMINIC LEVIS EA 93839
ReturnHeader/ReturnTs02020-02-24T09:15:30-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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