Civic Intelligence

Unknown Organization

EIN 56-0494444 • 501(c)14 • Oxford, NC

View Organization Page

Profile

Loans & services to its members

PO Box 307Oxford, NC 27565
Siviq Scores

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

Liabilities / Assets

18th percentile

0.76x

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

501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

84th percentile

24.02x

Higher debt load relative to revenue than 84% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

3rd percentile

-70%

Higher net margin than 3% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

63rd percentile

$93,330

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 17.9% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

8th percentile

-10%

Faster asset growth than 8% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

11th percentile

-7.2%

Faster revenue growth than 11% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$16,450,209

Down $1,895,363 (-10%) from 2013

Liabilities

Down

$12,559,549

Down $1,530,648 (-11%) from 2013

Net Assets

Down

$3,890,660

Down $364,715 (-8.6%) from 2013

Operations
Liabilities / Revenue84th percentileNet Margin3rd percentile

Revenue

Down

$522,837

Down $40,513 (-7.2%) from 2013

Expenses

Up

$887,552

Up $301,442 (+51%) from 2013

Net Income

Down

-$364,715

Down $341,955 (-1502%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth8th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $16,545,543Liabilities 2010: $12,430,784Net Assets 2010: $4,114,7592010Assets 2011: $17,450,336Liabilities 2011: $13,242,928Net Assets 2011: $4,207,4082011Assets 2012: $18,057,875Liabilities 2012: $13,779,740Net Assets 2012: $4,278,1352012Assets 2013: $18,345,572Liabilities 2013: $14,090,197Net Assets 2013: $4,255,3752013Assets 2014: $16,450,209Liabilities 2014: $12,559,549Net Assets 2014: $3,890,6602014

Highlighted filing

2014

Assets$16,450,209
Liabilities$12,559,549
Net Assets$3,890,660
Open 2014 Filing

Operations Trend

Revenue Growth11th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $798,8522010Expenses 2011: $620,9882011Expenses 2012: $565,9512012Revenue 2013: $563,350Expenses 2013: $586,110Net Income 2013: -$22,7602013Revenue 2014: $522,837Expenses 2014: $887,552Net Income 2014: -$364,7152014

Highlighted filing

2014

Revenue$522,837
Expenses$887,552
Net Income-$364,715
Open 2014 Filing

Filings

Most recent year

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

Open filing
Assets
$16,450,209
Liabilities
$12,559,549
Net assets
$3,890,660
Revenue
$522,837
Expenses
$887,552
Net income
-$364,715
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$16.5$12.6$3.89$0.52$0.89$0.36
2013Detailed filing. Detailed filing data is available for this year.$18.3$14.1$4.26$0.56$0.59$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.1$13.8$4.28$0.57
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.5$13.2$4.21$0.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.5$12.4$4.11$0.80
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 6, 2015
Return Version
2014v5.0
Gross Receipts
$522,837
Mission and Program Overview

Mission

Loans & services to its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$12,663,170$11,760,659▼ $902,511
Other Notes and Loans Receivable, Net$4,628,176$4,260,155▼ $368,021
Rtn Earn Endowment Incm Other Fnds$4,255,375$3,890,660▼ $364,715
Cash and Non-Interest-Bearing Accounts$978,792$359,555▼ $619,237
Land, Buildings, and Equipment, Net$48,270$49,320▲ $1,050
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$18,345,572$16,450,209▼ $1,895,363
Other Assets Total$27,164$20,520▼ $6,644
Liabilities
Other Liabilities$14,084,443$12,554,504▼ $1,529,939
Accounts Payable and Accrued Expenses$5,754$5,045▼ $709
Total Liabilities$14,090,197$12,559,549▼ $1,530,648
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,255,375$3,890,660▼ $364,715
Total Liabilities and Net Assets / Fund Balance$18,345,572$16,450,209▼ $1,895,363

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$973$89,139$90,112
Land$45,500-$45,500
Equipment$2,847$8,580$11,427
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
H Michael DickersonSec TreasurerFT$93,330$93,330

Board Members and Trustees

NameTitle
Leonard R Creech JrPresident
Steve WilsonVice President
Edward StallingsBoard Member
Jean W BurwellBoard Member
John W Watson JrBoard Member
W Timothy CottrellBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$343,454
Investment Income
$162,787
Other Revenue
$16,596
Change in Net Assets
$-364,715
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$730,206
Other Expenses$144,459
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Pension Plan Contributions---$411,052
Other Salaries and Wages---$145,268
Current Officers, Directors, Trustees, and Key Employees---$93,330
Other Employee Benefits---$61,290
Interest---$54,322
Office Expenses---$32,517
Payroll Taxes---$19,266
Fees for Services Accounting---$18,495
All Other Expenses---$17,717
Benefits to Members---$12,887
Occupancy---$12,425
Insurance---$10,870
Advertising---$6,263
Fees for Services Management---$5,252
Payments to Affiliates---$2,598
Other Expenses---$-16,000
Total Functional Expenses$0$0$0$887,552
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
Members Shares$12,554,504
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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, Part VI, Section A, Line 6

“The organization HAS MEMBERS as share holders”

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

“Members select dorectors at annual meeting”

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

“Copies of form 990 provided to board members before filling”

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

“Individually, state audit, league audit, board review.”

Form 990, Part VI, Section B, Line 15

“Job performance, cost of living exp. Compariable with pay scale w/nccul”

Form 990, Part VI, Section C, Line 19

“Providing copies on request, financial statement posted in office monthly.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in North Carolina
EIN
56-0494444
Phone
9196937151
Address
PO BOX 307, OXFORD, NC 27565
Doing Business As
Oxford Credit Union

Signing Officer

Name
H M Dickerson
Title
Secretary-Treasurer
Phone
9196937151
Signed
2015-05-06

Organization Details

Principal Officer
Henry M Dickerson
Formed
1937
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
6
Employees
5
Volunteers
0
Raw XML Appendix384 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SIGNATURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt02500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0TIM COTTRELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1EDWARD STALLINGS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/TotalBalanceDueAmt010000
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization HAS MEMBERS as share holders
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS SELECT DORECTORS AT ANNUAL MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COPIES OF FORM 990 PROVIDED TO BOARD MEMBERS BEFORE FILLING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3INDIVIDUALLY, STATE AUDIT, LEAGUE AUDIT, BOARD REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4JOB PERFORMANCE, COST OF LIVING EXP. COMPARIABLE WITH PAY SCALE W/NCCUL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PROVIDING COPIES ON REQUEST, FINANCIAL STATEMENT POSTED IN OFFICE MONTHLY.
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 B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt018345572
IRS990/TotalAssetsEOYAmt016450209
IRS990/TotalAssetsGrp/BOYAmt018345572
IRS990/TotalAssetsGrp/EOYAmt016450209
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0887552
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt014090197
IRS990/TotalLiabilitiesEOYAmt012559549
IRS990/TotalLiabilitiesGrp/BOYAmt014090197
IRS990/TotalLiabilitiesGrp/EOYAmt012559549
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04255375
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03890660
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0343454
IRS990/TotalReportableCompFromOrgAmt093330
IRS990/TotalRevenueGrp/ExclusionAmt0522837
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0522837
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018345572
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016450209
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt06564 HAROLD OBRIAN RD
IRS990/USAddress/CityNm0OXFORD
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd027565
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/PersonNm0H M Dickerson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Secretary-Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum09196937151
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0560494444
ReturnHeader/Filer/PhoneNum09196937151
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 307
ReturnHeader/Filer/USAddress/CityNm0OXFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd027565
ReturnHeader/ReturnTs02015-05-06T15:25:28-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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