Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 54-0674798

Jan 01, 2013 to Dec 31, 2013 • Filed on Jun 30, 2014

Organization ProfileWWW.HCECU.ORG

View Organization Page

22 Lincoln Street 3rd Floor23669

(757) 728-2027

Siviq Scores

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

Liabilities / Assets

87th percentile

0.91x

Higher debt load relative to assets than 87% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

26th percentile

14.81x

Higher debt load relative to revenue than 26% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

31st percentile

-2.5%

Higher net margin than 31% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

58th percentile

1.7%

Faster asset growth than 58% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$5,887,371

Up $96,095 (+1.7%) from 2012

Net Assets

Down

$508,524

Down $8,959 (-1.7%) from 2012

Liabilities

Up

$5,378,847

Up $105,054 (+2.0%) from 2012

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin31st percentile

Revenue

$363,195

No earlier filing loaded for comparison.

Expenses

Up

$372,154

Up $20,032 (+5.7%) from 2012

Net Income

-$8,959

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$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

2013

Assets$5,887,371
Liabilities$5,378,847
Net Assets$508,524
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

2013

Revenue$363,195
Expenses$372,154
Net Income-$8,959
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jun 30, 2014
Return Version
2013v3.1
Gross Receipts
$368,471
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$1,096,543$1,345,098▲ $248,555
Cash and Non-Interest-Bearing Accounts$1,451,647$1,200,728▼ $250,919
Rtn Earn Endowment Incm Other Fnds$517,483$508,524▼ $8,959
Investments Other Securities$32,902$32,902→ $0
Prepaid Expenses and Deferred Charges$18,060$18,974▲ $914
Accounts Receivable-$7,659-
Land, Buildings, and Equipment, Net$5,276$3,103▼ $2,173
Total Assets$5,791,276$5,887,371▲ $96,095
Other Assets Total$3,186,848$3,278,907▲ $92,059
Liabilities
Other Liabilities$5,260,753$5,367,731▲ $106,978
Accounts Payable and Accrued Expenses$13,040$11,116▼ $1,924
Total Liabilities$5,273,793$5,378,847▲ $105,054
Net Assets / Fund Balance
Total Net Assets Fund Balance$517,483$508,524▼ $8,959
Total Liabilities and Net Assets / Fund Balance$5,791,276$5,887,371▲ $96,095

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,103$61,478$64,581
Other Assets Org$-22,464--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Heidi LewisCEOFT$54,640$54,640

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
$353,659
Investment Income
$9,536
Other Revenue
$0
Change in Net Assets
$-8,959
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$231,101
Salaries, Compensation, and Employee Benefits$141,053
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$71,683
Current Officers, Directors, Trustees, and Key Employees---$54,640
All Other Expenses---$29,821
Other Expenses---$20,336
Office Expenses---$17,852
Payroll Taxes---$11,331
Insurance---$9,891
Fees for Services Accounting---$6,008
Other Employee Benefits---$3,399
Depreciation Depletion---$2,079
Conferences and Meetings---$1,945
Total Functional Expenses$0$0$0$372,154
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$5,367,731
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
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 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

EIN
54-0674798
Phone
7577282027

Signing Officer

Name
Linda Long
Title
Board Secretary
Phone
7577282027
Signed
2014-06-30
Discuss with paid preparer
Yes

Organization Details

Formed
1955
Legal Domicile
Va
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
12

Preparer

Preparer
Diane Y Smith CPA
Phone
7572239602
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

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

Raw XML Appendix330 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/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0VOLUNTEERSS 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 CREDIT UNION IS ORGANIZED WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIRECTORS ARE ELECTED BY THE MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MEMBERS MUST APPROVE A DECISION TO MERGE OR CLOSE THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5REVIEWED BY MANAGEMENT BEFORE SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE 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/ExplanationTxt7SEE LINE 15A ABOVE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8COPIES 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/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0372154
IRS990/TotalGrossUBIAmt05758
IRS990/TotalLiabilitiesBOYAmt05273793
IRS990/TotalLiabilitiesEOYAmt05378847
IRS990/TotalLiabilitiesGrp/BOYAmt05273793
IRS990/TotalLiabilitiesGrp/EOYAmt05378847
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0517483
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0508524
IRS990/TotalProgramServiceRevenueAmt0353659
IRS990/TotalReportableCompFromOrgAmt054640
IRS990/TotalRevenueGrp/ExclusionAmt09536
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0347901
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0363195
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05758
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05791276
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05887371
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.HCECU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LINDA LONG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BOARD SECRETARY
ReturnHeader/BusinessOfficerGrp/PhoneNum07577282027
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-06-30
ReturnHeader/Filer/BusinessName/BusinessNameLine10HAMPTON CITY EMPLOYEES CREDIT
ReturnHeader/Filer/BusinessName/BusinessNameLine20UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0HAMP
ReturnHeader/Filer/EIN0540674798
ReturnHeader/Filer/PhoneNum07577282027
ReturnHeader/Filer/USAddress/AddressLine1022 LINCOLN STREET 3RD FLOOR
ReturnHeader/Filer/USAddress/City0HAMPTON
ReturnHeader/Filer/USAddress/State0VA
ReturnHeader/Filer/USAddress/ZIPCode023669
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0203760975
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10DIANE Y SMITH CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011832 ROCK LANDING DR STE 101
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0NEWPORT NEWS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0236064277
ReturnHeader/PreparerPersonGrp/PhoneNum07572239602
ReturnHeader/PreparerPersonGrp/PreparationDt02014-06-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DIANE Y SMITH CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-06-30T16:41:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,887,371
Liabilities
$5,378,847
Net assets
$508,524
Revenue
$363,195
Expenses
$372,154
Net income
-$8,959
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