Civic Intelligence

West Virginia Central Credit Union

EIN 55-0518255 • 501(c)14 • Parkersburg, WV

View Organization Page

Profile

Financial Cooperative In the business of providing and meeting the financial needs of our members. WVCCUs income is derived from services provided to members and then returned to members.

1306 Murdoch AvenueParkersburg, WV 26101

www.wvccu.org

Siviq Scores

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

Liabilities / Assets

1st percentile

0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

2nd percentile

0.03x

Higher debt load relative to revenue than 2% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

87th percentile

23%

Higher net margin than 87% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

18th percentile

$168,315

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

76th percentile

6.0%

Faster asset growth than 76% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

25th percentile

7.5%

Faster revenue growth than 25% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$155,419,656

Up $8,795,671 (+6.0%) from 2015

Liabilities

Up

$190,460

Up $93,090 (+96%) from 2015

Net Assets

Up

$155,229,196

Up $8,702,581 (+5.9%) from 2015

Operations
Liabilities / Revenue2nd percentileNet Margin87th percentile

Revenue

Up

$6,902,130

Up $481,401 (+7.5%) from 2015

Expenses

Up

$5,280,152

Up $381,809 (+7.8%) from 2015

Net Income

Up

$1,621,978

Up $99,592 (+6.5%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth76th percentile

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

$200M$150M$100M$50M$0Assets 2010: $86,261,338Liabilities 2010: $48,841Net Assets 2010: $86,212,4972010Assets 2011: $93,202,467Liabilities 2011: $117,289Net Assets 2011: $93,085,1782011Assets 2012: $108,101,752Liabilities 2012: $103,159Net Assets 2012: $107,998,5932012Assets 2013: $119,644,582Liabilities 2013: $96,697Net Assets 2013: $119,547,8852013Assets 2014: $131,436,846Liabilities 2014: $60,337Net Assets 2014: $131,376,5092014Assets 2015: $146,623,985Liabilities 2015: $97,370Net Assets 2015: $146,526,6152015Assets 2016: $155,419,656Liabilities 2016: $190,460Net Assets 2016: $155,229,1962016

Highlighted filing

2016

Assets$155,419,656
Liabilities$190,460
Net Assets$155,229,196
Open 2016 Filing

Operations Trend

Revenue Growth25th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,869,7102010Expenses 2011: $3,860,2602011Expenses 2012: $3,675,4892012Revenue 2013: $4,900,412Expenses 2013: $3,900,412Net Income 2013: $1,000,0002013Revenue 2014: $6,049,471Expenses 2014: $4,811,751Net Income 2014: $1,237,7202014Revenue 2015: $6,420,729Expenses 2015: $4,898,343Net Income 2015: $1,522,3862015Revenue 2016: $6,902,130Expenses 2016: $5,280,152Net Income 2016: $1,621,9782016

Highlighted filing

2016

Revenue$6,902,130
Expenses$5,280,152
Net Income$1,621,978
Open 2016 Filing

Filings

Most recent year

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

Open filing
Assets
$155,419,656
Liabilities
$190,460
Net assets
$155,229,196
Revenue
$6,902,130
Expenses
$5,280,152
Net income
$1,621,978
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$155$0.19$155$6.90$5.28$1.62
2015Detailed filing. Detailed filing data is available for this year.$147$0.10$147$6.42$4.90$1.52
2014Detailed filing. Detailed filing data is available for this year.$131$0.06$131$6.05$4.81$1.24
2013Detailed filing. Detailed filing data is available for this year.$120$0.10$120$4.90$3.90$1.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$108$0.10$108$3.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$93.2$0.12$93.1$3.86
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.3$0.05$86.2$3.87
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 16, 2017
Return Version
2016v3.0
Gross Receipts
$6,902,130
Mission and Program Overview

Mission

Financial Cooperative In the business of providing and meeting the financial needs of our members. WVCCUs income is derived from services provided to members and then returned to members.

Financial Copperative:In the business of providing and meeting the financial needs of our members. WVCCU's income is derived from services provided to members and then returned to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$133,110,440$140,545,799▲ $7,435,359
Other Notes and Loans Receivable, Net$98,555,856$107,569,669▲ $9,013,813
Investments in Publicly Traded Securities$40,802,555$40,333,792▼ $468,763
Rtn Earn Endowment Incm Other Fnds$13,416,175$14,683,397▲ $1,267,222
Land, Buildings, and Equipment, Net$3,106,357$3,038,428▼ $67,929
Cash and Non-Interest-Bearing Accounts$975,279$1,351,178▲ $375,899
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$146,623,985$155,419,656▲ $8,795,671
Other Assets Total$3,183,938$3,126,589▼ $57,349
Liabilities
Accounts Payable and Accrued Expenses$97,370$190,460▲ $93,090
Total Liabilities$97,370$190,460▲ $93,090
Net Assets / Fund Balance
Total Net Assets Fund Balance$146,526,615$155,229,196▲ $8,702,581
Total Liabilities and Net Assets / Fund Balance$146,623,985$155,419,656▲ $8,795,671

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,250,951$2,505,174$3,756,125
Other Land Buildings$812,604$844,057$1,656,661
Land$974,873-$974,873
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michael A TuckerPresident/CEO-$168,315$168,315
Cindy TurnerSenior Vice President-$92,087$92,087
Mark GreenleesVP Lending and Collections-$80,051$80,051
Kathy DyeVP of TechologyFT$64,811$64,811
Julie WolfeLending SupervisorPT$56,953$56,953

Board Members and Trustees

NameTitle
Vicki ThorpeChairman
Phil PostlewaitVice Chairman
Doug ReederBoard Member
John RockholdBoard Member
Kurt KlettnerBoard Member
Patty SumnerBoard Member
Vijay ShahBoard Member
Jude WetzelSecretary
Kenneth WattsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,291,552
Investment Income
$610,578
Other Revenue
$0
Change in Net Assets
$1,621,978
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,288,766
Salaries, Compensation, and Employee Benefits$1,925,491
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$1,457,446--$1,457,446
Other Salaries and Wages$1,452,976--$1,452,976
Other Employee Benefits$251,659--$251,659
Depreciation Depletion$151,101--$151,101
Payroll Taxes$122,767--$122,767
Conferences and Meetings$107,268--$107,268
Advertising$104,619--$104,619
Pension Plan Contributions$98,089--$98,089
Benefits to Members$65,895--$65,895
Other Expenses$61,864--$61,864
Interest$99--$99
Total Functional Expenses$5,280,152$0$0$5,280,152
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
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, Section A, line 6

“Classes of Members or Stockholders x”

Form 990, Part VI, Section A, line 7A

“Election of Members and Their Rights x”

Form 990, Part VI, Section A, line 7B

“Decisions Subject to Approval of Members x”

Form 990, Part VI, Section B, line 11B

“No Review was or will be conducted.”

Form 990, Part VI, Section B, line 12C

“Enforcement of Conflicts Policy x.”

Form 990, Part VI, Section B, line 15

“Compesation process for Officers x”

Form 990, Part VI, Section C, line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
West Virginia Central Credit Union
EIN
55-0518255
Phone
3044854526
Address
1306 Murdoch Avenue, Parkersburg, WV 26101

Signing Officer

Name
Michael A Tucker
Title
President/CEO
Phone
3044854526
Signed
2017-10-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael A Tucker
Formed
1969
Legal Domicile
Wv
Voting Board Members
9
Independent Board Members
9
Employees
48
Volunteers
14

Preparer

Firm
Altman & Associates PLLC
Address
2803 Dudley Ave, Parkersburg, WV 26101
Preparer
John J Altman Jr
Phone
3044282191
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Increase in Members's shares from 12/31/15 to 12/31/16 7,080,603.”

Raw XML AppendixShowing 400 of 435 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/OtherExpensesGrp/Desc0Dividends
IRS990/OtherExpensesGrp/Desc1Loan and Collection Exp
IRS990/OtherExpensesGrp/Desc2Provision For Loan Loss
IRS990/OtherExpensesGrp/Desc3Other Expense
IRS990/OtherExpensesGrp/ProgramServicesAmt0948647
IRS990/OtherExpensesGrp/ProgramServicesAmt1281597
IRS990/OtherExpensesGrp/ProgramServicesAmt2176125
IRS990/OtherExpensesGrp/ProgramServicesAmt361864
IRS990/OtherExpensesGrp/TotalAmt0948647
IRS990/OtherExpensesGrp/TotalAmt1281597
IRS990/OtherExpensesGrp/TotalAmt2176125
IRS990/OtherExpensesGrp/TotalAmt361864
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01452976
IRS990/OtherSalariesAndWagesGrp/TotalAmt01452976
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt098555856
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0107569669
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0122767
IRS990/PayrollTaxesGrp/TotalAmt0122767
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt098089
IRS990/PensionPlanContributionsGrp/TotalAmt098089
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Michael A Tucker
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Miscellaneous Income
IRS990/ProgramServiceRevenueGrp/Desc3Non-Operating Gain or
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04166182
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11290968
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2835904
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3-1502
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04166182
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11290968
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2835904
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3-1502
IRS990/ProgSrvcAccomActy2Grp/Desc0Compensation paid to staff for their efforts in meeting the financial goals and providing financial services to the membership.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01925491
IRS990/ProgSrvcAccomActy3Grp/Desc0All office expense incurred while providing financial services on behalf of the credit union membership.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt02406014
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt065471
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0565960
IRS990/PYOtherExpensesAmt03045418
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt05854769
IRS990/PYRevenuesLessExpensesAmt01522386
IRS990/PYSalariesCompEmpBnftPaidAmt01787454
IRS990/PYTotalExpensesAmt04898343
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06420729
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt01621978
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013416175
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014683397
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01250951
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02505174
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03756125
IRS990ScheduleD/LandGrp/BookValueAmt0974873
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0974873
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0812604
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0844057
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01656661
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03038428
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0168315
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Michael A Tucker
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0168315
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Classes of Members or Stockholders x
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Election of Members and Their Rights x
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Decisions Subject to Approval of Members x
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No Review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Enforcement of Conflicts Policy x.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compesation process for Officers x
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Increase in Members's shares from 12/31/15 to 12/31/16 7,080,603.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0146623985
IRS990/TotalAssetsEOYAmt0155419656
IRS990/TotalAssetsGrp/BOYAmt0146623985
IRS990/TotalAssetsGrp/EOYAmt0155419656
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt048
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt05280152
IRS990/TotalFunctionalExpensesGrp/TotalAmt05280152
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt097370
IRS990/TotalLiabilitiesEOYAmt0190460
IRS990/TotalLiabilitiesGrp/BOYAmt097370
IRS990/TotalLiabilitiesGrp/EOYAmt0190460
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0146526615
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0155229196
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt05280152
IRS990/TotalProgramServiceRevenueAmt06291552
IRS990/TotalReportableCompFromOrgAmt0462217
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt06902130
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt06902130
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0146623985
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0155419656
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.WVCCU.ORG
IRS990/WhistleblowerPolicyInd01

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