Civic Intelligence

Unknown Organization

EIN 54-0674798 • 501(c)14 • Hampton, VA

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Profile

A member owned financial institution which provides members a wide range of quality, convenient, and personal financial services while ensuring sound financial management.

22 Lincoln Street 3rd FloorHampton, VA 23669

www.hcecu.org

Siviq Scores

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

Liabilities / Assets

88th percentile

0.93x

Higher debt load relative to assets than 88% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

38th percentile

14.59x

Higher debt load relative to revenue than 38% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2014

Net Margin

18th percentile

-19%

Higher net margin than 18% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

31st percentile

-5.4%

Faster asset growth than 31% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Revenue Growth

31st percentile

-2.6%

Faster revenue growth than 31% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$5,571,421

Down $315,950 (-5.4%) from 2013

Liabilities

Down

$5,159,291

Down $219,556 (-4.1%) from 2013

Net Assets

Down

$412,130

Down $96,394 (-19%) from 2013

Operations
Liabilities / Revenue38th percentileNet Margin18th percentile

Revenue

Down

$353,711

Down $9,484 (-2.6%) from 2013

Expenses

Up

$419,455

Up $47,301 (+13%) from 2013

Net Income

Down

-$65,744

Down $56,785 (-634%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth31st percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,888,924Liabilities 2010: $6,366,041Net Assets 2010: $522,8832010Assets 2011: $6,066,962Liabilities 2011: $5,558,435Net Assets 2011: $508,5272011Assets 2012: $5,791,276Liabilities 2012: $5,273,793Net Assets 2012: $517,4832012Assets 2013: $5,887,371Liabilities 2013: $5,378,847Net Assets 2013: $508,5242013Assets 2014: $5,571,421Liabilities 2014: $5,159,291Net Assets 2014: $412,1302014

Highlighted filing

2014

Assets$5,571,421
Liabilities$5,159,291
Net Assets$412,130
Open 2014 Filing

Operations Trend

Revenue Growth31st percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $417,0252010Expenses 2011: $385,0202011Expenses 2012: $352,1222012Revenue 2013: $363,195Expenses 2013: $372,154Net Income 2013: -$8,9592013Revenue 2014: $353,711Expenses 2014: $419,455Net Income 2014: -$65,7442014

Highlighted filing

2014

Revenue$353,711
Expenses$419,455
Net Income-$65,744
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,571,421
Liabilities
$5,159,291
Net assets
$412,130
Revenue
$353,711
Expenses
$419,455
Net income
-$65,744
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$5.57$5.16$0.41$0.35$0.42$0.07
2013Detailed filing. Detailed filing data is available for this year.$5.89$5.38$0.51$0.36$0.37$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.79$5.27$0.52$0.35
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.07$5.56$0.51$0.39
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.89$6.37$0.52$0.42
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 15, 2015
Return Version
2014v5.0
Gross Receipts
$353,711
Mission and Program Overview

Mission

A member owned financial institution which provides members a wide range of quality, convenient, and personal financial services while ensuring sound financial management.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,345,098$1,146,313▼ $198,785
Cash and Non-Interest-Bearing Accounts$1,200,728$1,020,765▼ $179,963
Rtn Earn Endowment Incm Other Fnds$508,524$412,130▼ $96,394
Investments Other Securities$32,902$32,902→ $0
Accounts Receivable$7,659$8,616▲ $957
Land, Buildings, and Equipment, Net$3,103$1,924▼ $1,179
Prepaid Expenses and Deferred Charges$18,974$245▼ $18,729
Total Assets$5,887,371$5,571,421▼ $315,950
Other Assets Total$3,278,907$3,360,656▲ $81,749
Liabilities
Other Liabilities$5,367,731$5,133,036▼ $234,695
Accounts Payable and Accrued Expenses$11,116$26,255▲ $15,139
Total Liabilities$5,378,847$5,159,291▼ $219,556
Net Assets / Fund Balance
Total Net Assets Fund Balance$508,524$412,130▼ $96,394
Total Liabilities and Net Assets / Fund Balance$5,887,371$5,571,421▼ $315,950

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,924$62,657$64,581
Other Assets Org$-58,397--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Nancy AllenManagerFT$40,444$40,444

Board Members and Trustees

NameTitle
Rick RussBoard Pres
Cynthia PanzDirector
Felecia DebrewDirector
Jim WilsonDirector
Karl DaughtreyDirector
Linda LongDirector
Steven ShapiroDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$349,445
Investment Income
$4,266
Other Revenue
$0
Change in Net Assets
$-65,744
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$267,194
Salaries, Compensation, and Employee Benefits$152,261
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$90,814
Current Officers, Directors, Trustees, and Key Employees---$40,444
Office Expenses---$26,156
All Other Expenses---$22,341
Other Expenses---$21,954
Payroll Taxes---$11,882
Insurance---$10,830
Other Employee Benefits---$9,121
Fees for Services Accounting---$3,017
Conferences and Meetings---$1,422
Depreciation Depletion---$1,179
Total Functional Expenses$0$0$0$419,455
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
Member Shares$5,133,474
Upi$-438
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI

“Directors and employees are required to disclose any potential conflict of interest should one occur.”

Form 990, Page 6, Part VI, Line 4

“The organization voted to merge with bayport credii union effective february 1, 2015.”

Form 990, Page 6, Part VI, Line 6

“The credit union is organized with members.”

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

“Directors are elected by the members at the annual meeting.”

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

“Members must approve a decision to merge or close the credit union.”

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

“Reviewed by management before submission.”

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

“The board utilizes the cuna salary survey to validate salaries in similar positions and similar credit union asset sizes. The compensation amount is then approved by the entire board of directors.”

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

“SEE LINE 15A ABOVE”

Form 990, Page 6, Part VI, Line 19

“Copies of governing documents are made available to members upon request but not available to the public. Financial statements are posted in each branch.”

Filing and Contact Details

Filer

Filer Name
Hampton City Employees Credit
EIN
54-0674798
Phone
7577282027
Address
22 LINCOLN STREET 3RD FLOOR, HAMPTON, VA 23669

Signing Officer

Name
Linda Long
Title
Board Secretary
Phone
7577282027
Signed
2015-05-15
Discuss with paid preparer
Yes

Organization Details

Formed
1955
Legal Domicile
Va
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
12

Preparer

Firm
Diane Y Smith CPA Pc
Address
11832 ROCK LANDING DR STE 101, NEWPORT NEWS, VA 23606-4277
Preparer
Diane Y Smith CPA
Phone
7572239602
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Volunteers serve on the board of directors and on the supervisory committee.”

Form 990, Part XI, Line 9

“Prior period adjustment - allowance for loan loss 25,755 prior period adjustment - vacation & sick accrual 4,895”

Raw XML Appendix335 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/ExplanationTxt0VOLUNTEERS SERVE ON THE BOARD OF DIRECTORS AND ON THE SUPERVISORY COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DIRECTORS AND EMPLOYEES ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICT OF INTEREST SHOULD ONE OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION VOTED TO MERGE WITH BAYPORT CREDII UNION EFFECTIVE FEBRUARY 1, 2015.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION IS ORGANIZED WITH MEMBERS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MEMBERS MUST APPROVE A DECISION TO MERGE OR CLOSE THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6REVIEWED BY MANAGEMENT BEFORE SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD UTILIZES THE CUNA SALARY SURVEY TO VALIDATE SALARIES IN SIMILAR POSITIONS AND SIMILAR CREDIT UNION ASSET SIZES. THE COMPENSATION AMOUNT IS THEN APPROVED BY THE ENTIRE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8SEE LINE 15A ABOVE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9COPIES OF GOVERNING DOCUMENTS ARE MADE AVAILABLE TO MEMBERS UPON REQUEST BUT NOT AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE POSTED IN EACH BRANCH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10PRIOR PERIOD ADJUSTMENT - ALLOWANCE FOR LOAN LOSS 25,755 PRIOR PERIOD ADJUSTMENT - VACATION & SICK ACCRUAL 4,895
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05887371
IRS990/TotalAssetsEOYAmt05571421
IRS990/TotalAssetsGrp/BOYAmt05887371
IRS990/TotalAssetsGrp/EOYAmt05571421
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0419455
IRS990/TotalGrossUBIAmt03955
IRS990/TotalLiabilitiesBOYAmt05378847
IRS990/TotalLiabilitiesEOYAmt05159291
IRS990/TotalLiabilitiesGrp/BOYAmt05378847
IRS990/TotalLiabilitiesGrp/EOYAmt05159291
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0508524
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0412130
IRS990/TotalProgramServiceRevenueAmt0349445
IRS990/TotalReportableCompFromOrgAmt040444
IRS990/TotalRevenueGrp/ExclusionAmt04266
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0345490
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0353711
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03955
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05887371
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05571421
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.HCECU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LINDA LONG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BOARD SECRETARY
ReturnHeader/BusinessOfficerGrp/PhoneNum07577282027
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HAMPTON CITY EMPLOYEES CREDIT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0HAMP
ReturnHeader/Filer/EIN0540674798
ReturnHeader/Filer/PhoneNum07577282027
ReturnHeader/Filer/USAddress/AddressLine1Txt022 LINCOLN STREET 3RD FLOOR
ReturnHeader/Filer/USAddress/CityNm0HAMPTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd023669
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0203760975
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DIANE Y SMITH CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011832 ROCK LANDING DR STE 101
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NEWPORT NEWS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0236064277
ReturnHeader/PreparerPersonGrp/PhoneNum07572239602
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DIANE Y SMITH CPA
ReturnHeader/ReturnTs02015-05-22T09:04:51-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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