Civic Intelligence

Ab & W Credit Union Inc

990 • Fiscal year 2016 • EIN 54-0634598

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 21, 2017

Organization ProfileWWW.ABWCU.ORG

View Organization Page

6201 Richmond WayAlexandria, VA 22303-2437

(703) 768-7000

Siviq Scores

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

Liabilities / Assets

25th percentile

0.85x

Higher debt load relative to assets than 25% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

21st percentile

15.52x

Higher debt load relative to revenue than 21% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

29th percentile

3.5%

Higher net margin than 29% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

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

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

54th percentile

3.5%

Faster asset growth than 54% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

59th percentile

4.4%

Faster revenue growth than 59% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$32,188,622

Up $1,097,016 (+3.5%) from 2015

Net Assets

Up

$4,935,909

Up $61,687 (+1.3%) from 2015

Liabilities

Up

$27,252,713

Up $1,035,329 (+3.9%) from 2015

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin29th percentile

Revenue

Up

$1,756,285

Up $73,795 (+4.4%) from 2015

Expenses

Down

$1,694,598

Down $237,139 (-12%) from 2015

Net Income

Up

$61,687

Up $310,934 (+125%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

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

$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

2016

Assets$32,188,622
Liabilities$27,252,713
Net Assets$4,935,909
Open 2016 Filing

Operations Trend

Revenue Growth59th percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$1,756,285
Expenses$1,694,598
Net Income$61,687
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 21, 2017
Return Version
2016v3.0
Gross Receipts
$1,756,285
Mission and Program Overview

Mission

State charter credit union providing financial services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$17,899,491$18,391,984▲ $492,493
Savings and Temporary Cash Investments$11,683,830$12,400,234▲ $716,404
Rtn Earn Endowment Incm Other Fnds$4,874,222$4,935,909▲ $61,687
Land, Buildings, and Equipment, Net$539,953$529,214▼ $10,739
Cash and Non-Interest-Bearing Accounts$319,653$182,545▼ $137,108
Prepaid Expenses and Deferred Charges$56,214$99,978▲ $43,764
Total Assets$31,091,606$32,188,622▲ $1,097,016
Other Assets Total$592,465$584,667▼ $7,798
Liabilities
Other Liabilities$25,895,179$26,848,685▲ $953,506
Accounts Payable and Accrued Expenses$322,205$404,028▲ $81,823
Total Liabilities$26,217,384$27,252,713▲ $1,035,329
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,874,222$4,935,909▲ $61,687
Total Liabilities and Net Assets / Fund Balance$31,091,606$32,188,622▲ $1,097,016

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$152,334$253,717$406,051
Land$357,000-$357,000
Equipment$19,880$214,850$234,730
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Rodney CrosonChairman
Ron RydstromVice Chairma
Toni BaileyMember
Charles FisherSecretary
Freddie JamesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,624,026
Investment Income
$83,446
Other Revenue
$48,813
Change in Net Assets
$61,687
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,000,644
Salaries, Compensation, and Employee Benefits$693,954
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$521,242--$521,242
Information Technology$190,095--$190,095
Other Employee Benefits$132,306--$132,306
Office Expenses$54,932--$54,932
All Other Expenses$48,675--$48,675
Other Expenses$45,262--$45,262
Payroll Taxes$40,406--$40,406
Fees for Services Legal$32,402--$32,402
Depreciation Depletion$21,567--$21,567
Conferences and Meetings$19,613--$19,613
Advertising$10,832--$10,832
Fees for Services Accounting$5,911--$5,911
Total Functional Expenses$1,694,598$0$0$1,694,598
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$26,848,685
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
2017-03-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rodney Croson
Formed
1952
Legal Domicile
Va
Voting Board Members
5
Independent Board Members
5
Employees
10
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
Raw XML Appendix313 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/ExplanationTxt0BY DEFINITION, A CREDIT UNION IS MADE UP OF ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD IS VOTED ON BY THE MEMBERSHIP.
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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DOCUMENTS ARE AVAILABLE UPON REQUEST.
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ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CONNIE SIMPSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07037687000
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-03-21
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/AtSubmissionCreationDeviceId0312A3CED8F2C320FD362101CF5C887B0755126EF
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId030A5D7C7396F187476302FE04DEA71B63238AE00
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/PreparationDt02017-03-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DOMINIC LEVIS EA 93839
ReturnHeader/ReturnTs02017-03-24T22:10:39+00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$32,188,622
Liabilities
$27,252,713
Net assets
$4,935,909
Revenue
$1,756,285
Expenses
$1,694,598
Net income
$61,687
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