Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 56-0494444

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

Organization Profile

View Organization Page

PO Box 30727565

(919) 693-7151

Siviq Scores

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

Liabilities / Assets

15th percentile

0.77x

Higher debt load relative to assets than 15% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

73rd percentile

25.01x

Higher debt load relative to revenue than 73% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

22nd percentile

-4.0%

Higher net margin than 22% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

79th percentile

$91,500

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 16.2% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

52nd percentile

1.6%

Faster asset growth than 52% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M 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 / Assets15th percentile

Assets

Up

$18,345,572

Up $287,697 (+1.6%) from 2012

Net Assets

Down

$4,255,375

Down $22,760 (-0.5%) from 2012

Liabilities

Up

$14,090,197

Up $310,457 (+2.3%) from 2012

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin22nd percentile

Revenue

$563,350

No earlier filing loaded for comparison.

Expenses

Up

$586,110

Up $20,159 (+3.6%) from 2012

Net Income

-$22,760

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth52nd percentile

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

$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

2013

Assets$18,345,572
Liabilities$14,090,197
Net Assets$4,255,375
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

2013

Revenue$563,350
Expenses$586,110
Net Income-$22,760
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 30, 2014
Return Version
2013v3.0
Gross Receipts
$563,350
Mission and Program Overview

Mission

Loans & services to its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$12,872,116$12,663,170▼ $208,946
Other Notes and Loans Receivable, Net$4,776,995$4,628,176▼ $148,819
Rtn Earn Endowment Incm Other Fnds$4,278,135$4,255,375▼ $22,760
Cash and Non-Interest-Bearing Accounts$317,647$978,792▲ $661,145
Land, Buildings, and Equipment, Net$55,213$48,270▼ $6,943
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$18,057,875$18,345,572▲ $287,697
Other Assets Total$35,904$27,164▼ $8,740
Liabilities
Other Liabilities$13,775,119$14,084,443▲ $309,324
Accounts Payable and Accrued Expenses$4,621$5,754▲ $1,133
Total Liabilities$13,779,740$14,090,197▲ $310,457
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,278,135$4,255,375▼ $22,760
Total Liabilities and Net Assets / Fund Balance$18,057,875$18,345,572▲ $287,697

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$973$89,139$90,112
Land$45,500-$45,500
Equipment$1,797$9,631$11,428
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Other Assets Org$27,164--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseTotal
H Michael DickersonSec TreasurerFT$91,500$91,500

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
$364,940
Investment Income
$180,089
Other Revenue
$18,321
Change in Net Assets
$-22,760

Audited Revenue Reconciliation

Revenue per Audited Statements
$563,350
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$563,350
Total Revenue per Form 990
$563,350
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$346,259
Other Expenses$215,146
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$142,420
Current Officers, Directors, Trustees, and Key Employees---$91,500
Interest---$69,795
Other Employee Benefits---$65,963
Other Expenses---$35,316
Office Expenses---$32,999
Pension Plan Contributions---$27,670
Benefits to Members---$24,705
All Other Expenses---$19,298
Payroll Taxes---$18,706
Occupancy---$13,358
Fees for Services Accounting---$12,949
Insurance---$10,820
Depreciation Depletion---$8,180
Advertising---$7,411
Fees for Services Management---$5,009
Travel---$11
Total Functional Expenses$0$0$0$586,110

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$586,110
Total Expenses per Audited Statements$586,110
Total Expenses per Form 990$586,110
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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$14,084,443
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 oxford credit union has members as share holders”

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

“Members select directors 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

EIN
56-0494444
Phone
9196937151

Signing Officer

Name
H M Dickerson
Title
Secretary-Treasurer
Phone
9196937151
Signed
2014-04-30

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 AppendixShowing 400 of 420 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/TitleTxt5President
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IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0563350
IRS990ScheduleD/TotalBookValueLandBuildingsAmt048270
IRS990ScheduleD/TotalBookValueOtherAssetsAmt027164
IRS990ScheduleD/TotalExpensesPerForm990Amt0586110
IRS990ScheduleD/TotalLiabilityAmt014084443
IRS990ScheduleD/TotalRevenuePerForm990Amt0563350
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0563350
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0586110
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0804
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt27500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SHARE SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SIGNATURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt12500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt27500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0HENRY MICHAEL DICKERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1TIM COTTRELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2EDWARD STALLINGS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0SEC. TREAS / MANAGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/TotalBalanceDueAmt010804
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE OXFORD CREDIT UNION HAS MEMBERS AS SHARE HOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS SELECT DIRECTORS 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/TotalAssetsBOYAmt018057875
IRS990/TotalAssetsEOYAmt018345572
IRS990/TotalAssetsGrp/BOYAmt018057875
IRS990/TotalAssetsGrp/EOYAmt018345572
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0586110
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013779740
IRS990/TotalLiabilitiesEOYAmt014090197
IRS990/TotalLiabilitiesGrp/BOYAmt013779740
IRS990/TotalLiabilitiesGrp/EOYAmt014090197
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04278135
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04255375
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0364940
IRS990/TotalReportableCompFromOrgAmt091500
IRS990/TotalRevenueGrp/ExclusionAmt0563350
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0563350
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018057875
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018345572
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt011
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine106564 HAROLD OBRIAN RD
IRS990/USAddress/City0OXFORD
IRS990/USAddress/State0NC
IRS990/USAddress/ZIPCode027565
IRS990/VotingMembersGoverningBodyCnt07

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$18,345,572
Liabilities
$14,090,197
Net assets
$4,255,375
Revenue
$563,350
Expenses
$586,110
Net income
-$22,760
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