Civic Intelligence

State Chartered Credit Union in North Carolina

990 • Fiscal year 2013 • EIN 56-0558528

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 07, 2014

Organization Profilewww.firstlegacyfcu.org

View Organization Page

431 Beatties Ford RoadHigh Point, NC 28216

(704) 375-5781

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.89x

Higher debt load relative to assets than 53% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

12th percentile

11.22x

Higher debt load relative to revenue than 12% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

7th percentile

-14%

Higher net margin than 7% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

37th percentile

$83,562

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

2nd percentile

-8.6%

Faster asset growth than 2% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

14th percentile

-22%

Faster revenue growth than 14% of similar nonprofits.

2013 filings • $25M-$50M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Down

$37,471,483

Down $3,534,455 (-8.6%) from 2012

Net Assets

Down

$4,261,568

Down $424,173 (-9.1%) from 2012

Liabilities

Down

$33,209,915

Down $3,110,282 (-8.6%) from 2012

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin7th percentile

Revenue

$2,959,043

No earlier filing loaded for comparison.

Expenses

Down

$3,383,216

Down $6,094,555 (-64%) from 2012

Net Income

-$424,173

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

$60M$40M$20M$0Assets 2010: $40,697,843Liabilities 2010: $30,035,385Net Assets 2010: $10,662,4582010Assets 2011: $49,203,177Liabilities 2011: $37,931,932Net Assets 2011: $11,271,2452011Assets 2012: $41,005,938Liabilities 2012: $36,320,197Net Assets 2012: $4,685,7412012Assets 2013: $37,471,483Liabilities 2013: $33,209,915Net Assets 2013: $4,261,5682013Assets 2014: $36,350,294Liabilities 2014: $30,804,397Net Assets 2014: $5,545,8972014Assets 2015: $35,010,044Liabilities 2015: $29,009,050Net Assets 2015: $6,000,9942015Assets 2016: $35,067,061Liabilities 2016: $29,408,530Net Assets 2016: $5,658,5312016Assets 2017: $32,318,406Liabilities 2017: $27,886,311Net Assets 2017: $4,432,0952017

Highlighted filing

2013

Assets$37,471,483
Liabilities$33,209,915
Net Assets$4,261,568
Open 2013 Filing

Operations Trend

Revenue Growth14th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0-$5.0MExpenses 2010: $3,604,9802010Revenue 2011: $4,873,991Expenses 2011: $4,144,866Net Income 2011: $729,1252011Expenses 2012: $9,477,7712012Revenue 2013: $2,959,043Expenses 2013: $3,383,216Net Income 2013: -$424,1732013Revenue 2014: $4,085,368Expenses 2014: $2,801,039Net Income 2014: $1,284,3292014Revenue 2015: $3,596,173Expenses 2015: $3,163,415Net Income 2015: $432,7582015Revenue 2016: $2,421,284Expenses 2016: $2,763,747Net Income 2016: -$342,4632016Revenue 2017: $1,985,712Expenses 2017: $3,212,148Net Income 2017: -$1,226,4362017

Highlighted filing

2013

Revenue$2,959,043
Expenses$3,383,216
Net Income-$424,173
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 7, 2014
Return Version
2013v3.1
Gross Receipts
$3,234,119
Mission and Program Overview

Mission

To create wealth in community by providing low interest rate

To create wealth in community by providing low interest rate products to low to moderate income individuals and families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$24,171,398$26,394,891▲ $2,223,493
Savings and Temporary Cash Investments$13,024,800$7,375,907▼ $5,648,893
Rtn Earn Endowment Incm Other Fnds$4,685,741$4,261,568▼ $424,173
Land, Buildings, and Equipment, Net$2,650,506$2,479,374▼ $171,132
Cash and Non-Interest-Bearing Accounts$649,667$530,619▼ $119,048
Prepaid Expenses and Deferred Charges$71,012$72,015▲ $1,003
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$41,005,938$37,471,483▼ $3,534,455
Other Assets Total$438,555$618,677▲ $180,122
Liabilities
Other Liabilities$35,826,859$32,835,639▼ $2,991,220
Accounts Payable and Accrued Expenses$493,338$374,276▼ $119,062
Total Liabilities$36,320,197$33,209,915▼ $3,110,282
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,685,741$4,261,568▼ $424,173
Total Liabilities and Net Assets / Fund Balance$41,005,938$37,471,483▼ $3,534,455

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,850,456$832,671$2,683,127
Other Land Buildings$128,051$683,384$811,435
Leasehold Improvements$425,596$198,216$623,812
Land$75,271-$75,271
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tamica DawkinsPresident & CEOFT$82,403$1,159$83,562
Benita JacksonCFOFT$75,546$2,133$77,679
Jennifer WilliamsVP of OperationFT$46,549$659$47,208

Board Members and Trustees

NameTitle
Armeer KenchenChairman
Tyrone TylerVice Chair
Doris R AsburyDirector
Gloria ReeseDirector
Napoleon WallaceSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,965,053
Investment Income
$-32,041
Other Revenue
$26,031
Change in Net Assets
$-424,173

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,014,819
Revenue Not Reported on Financial Statements
$-55,776
Other Revenue Adjustments
$-55,776
Total Revenue per Audited Statements
$3,014,819
Total Revenue per Form 990
$2,959,043
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,222,126
Salaries, Compensation, and Employee Benefits$1,161,090
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$670,775
All Other Expenses---$543,191
Interest---$310,631
Depreciation Depletion---$211,293
Current Officers, Directors, Trustees, and Key Employees---$208,449
Other Employee Benefits---$198,548
Payroll Taxes---$83,318
Other Expenses---$78,131
Fees for Services Other---$69,907
Insurance---$52,097
Fees for Services Accounting---$29,887
Advertising---$27,378
Travel---$12,491
Occupancy---$11,400
Total Functional Expenses$0$0$0$3,383,216

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,438,992
Total Expenses per Audited Statements$3,438,992
Total Expenses per Form 990$3,383,216
Expenses Not Reported on Financial Statements$-55,776
Other Expense Adjustments$-55,776
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members' Deposits$31,835,639
Secondary Capital$1,000,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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, Line 6: Explanation of Classes of Members or Shareholder

“The credit union is owned by its members and members are allowed to vote on significant issues at an annual meeting.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“The members are entitled to vote on the members of the board of directors and an annual members' meeting is held regarding issues affecting the credit union.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Merger decisions require the approval of membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The Form 990 is provided to the CEO, Board Members, and Supervisory Committee for review prior to filing.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“The conflict of interest policy is provided to the board and all staff. Any conflicts of interest need to be disclosed to management and the board.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Compensation is reviewed and approved by the Credit Union's management agent.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Compensation is reviewed and approved by the Credit Union's management agent.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to the public.”

Filing and Contact Details

Filer

EIN
56-0558528
Phone
7043755781

Signing Officer

Name
Tamica Dawkins
Title
President & CEO
Signed
2014-07-07
Discuss with paid preparer
Yes

Organization Details

Formed
1941
Legal Domicile
Nc
Voting Board Members
5
Independent Board Members
5
Employees
26

Preparer

Preparer
Kenneth D Gibbs
Phone
9195440555
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E: Other Expenses

“: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Annual Meeting Expense: Column (A) - Total = $8125; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Association Dues: Column (A) - Total = $17825; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Bank Service Charges: Column (A) - Total = $27244; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Communications: Column (A) - Total = $73699; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Contract Services: Column (A) - Total = $210; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Grant expenses: Column (A) - Total = $2625; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Maintenance - Buildings: Column (A) - Total = $54674; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Maintenance -- Furn and Equip: Column (A) - Total = $38606; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Miscellaneous: Column (A) - Total = $58754; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Monitoring: Column (A) - Total = $14098; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Postage and Shipping: Column (A) - Total = $56673; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Property Taxes: Column (A) - Total = $46357; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Rent - Furn and Equip: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Stabilization Expense: Column (A) - Total = $26607; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Stationary & Supplies: Column (A) - Total = $44802; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Supervision Fees: Column (A) - Total = $24552; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Utilities: Column (A) - Total = $35841; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Write Down of OREO Property: Column (A) - Total = $12499; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Financial Statement Notes

Part X : FIN48 Footnote

“Uncertain tax positions In June 2006, the Financial Accounting Standards Board (FASB) released FASB ASC 740-10, Income Taxes, that provides guidance for reporting uncertainty in income taxes. For the year ended December 31, 2012, the Credit Union has considered FASB ASC 740-10, as amended by Accounting Standards Update (ASU) 2009-06, and determined that no material uncertain tax positions qualify for either recognition or disclosure in the financial statements. The Credit Unions federal Return of Organization Exempt from Income Tax (Form 990) for 2010 through 2012 are subject to examination by the IRS, generally for three years after they were filed.”

Raw XML AppendixShowing 400 of 441 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/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0310631
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt023735
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt023735
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt0804
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01714271
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02650506
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02479374
IRS990/LandBldgEquipCostOrOtherBssAmt04193645
IRS990/LegalDomicileStateCd0NC
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0275076
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To create wealth in community by providing low interest rate products to low to moderate income individuals and families.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt04685741
IRS990/NetAssetsOrFundBalancesEOYAmt04261568
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-55776
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-55776
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt011400
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0438555
IRS990/OtherAssetsTotalGrp/EOYAmt0618677
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0198548
IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1Debit Card Expense
IRS990/OtherExpensesGrp/Desc2Security Expense
IRS990/OtherExpensesGrp/Desc3Loan Servicing
IRS990/OtherExpensesGrp/TotalAmt0381063
IRS990/OtherExpensesGrp/TotalAmt1372234
IRS990/OtherExpensesGrp/TotalAmt2122423
IRS990/OtherExpensesGrp/TotalAmt378131
IRS990/OtherLiabilitiesGrp/BOYAmt035826859
IRS990/OtherLiabilitiesGrp/EOYAmt032835639
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0Other Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt026031
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt026031
IRS990/OtherRevenueTotalAmt026031
IRS990/OtherSalariesAndWagesGrp/TotalAmt0670775
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt024171398
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt026394891
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt083318
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt071012
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt072015
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Fees and Service Charges
IRS990/ProgramServiceRevenueGrp/Desc1Interest on Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0891787
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12073266
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0891787
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12073266
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0521952
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0-12250
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt08044394
IRS990/PYOtherRevenueAmt044516
IRS990/PYProgramServiceRevenueAmt03744986
IRS990/PYRevenuesLessExpensesAmt0-5178567
IRS990/PYSalariesCompEmpBnftPaidAmt01433377
IRS990/PYTotalExpensesAmt09477771
IRS990/PYTotalRevenueAmt04299204
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-424173
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04685741
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04261568
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013024800
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07375907
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01850456
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0832671
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02683127
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0-55776
IRS990ScheduleD/ExpensesSubtotalAmt03438992
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt075271
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt075271
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0425596
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0198216
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0623812
IRS990ScheduleD/OtherExpensesNotIncludedAmt0-55776
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0128051
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0683384
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0811435
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt031835639
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11000000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Members' Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Secondary Capital
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-55776
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-55776
IRS990ScheduleD/RevenueSubtotalAmt03014819
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Uncertain tax positions In June 2006, the Financial Accounting Standards Board (FASB) released FASB ASC 740-10, Income Taxes, that provides guidance for reporting uncertainty in income taxes. For the year ended December 31, 2012, the Credit Union has considered FASB ASC 740-10, as amended by Accounting Standards Update (ASU) 2009-06, and determined that no material uncertain tax positions qualify for either recognition or disclosure in the financial statements. The Credit Unions federal Return of Organization Exempt from Income Tax (Form 990) for 2010 through 2012 are subject to examination by the IRS, generally for three years after they were filed.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02479374
IRS990ScheduleD/TotalExpensesPerForm990Amt03383216
IRS990ScheduleD/TotalLiabilityAmt032835639
IRS990ScheduleD/TotalRevenuePerForm990Amt02959043
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03014819
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03438992
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is owned by its members and members are allowed to vote on significant issues at an annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members are entitled to vote on the members of the board of directors and an annual members' meeting is held regarding issues affecting the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Merger decisions require the approval of membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Form 990 is provided to the CEO, Board Members, and Supervisory Committee for review prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The conflict of interest policy is provided to the board and all staff. Any conflicts of interest need to be disclosed to management and the board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation is reviewed and approved by the Credit Union's management agent.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Compensation is reviewed and approved by the Credit Union's management agent.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Annual Meeting Expense: Column (A) - Total = $8125; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Association Dues: Column (A) - Total = $17825; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Bank Service Charges: Column (A) - Total = $27244; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Communications: Column (A) - Total = $73699; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Contract Services: Column (A) - Total = $210; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14Grant expenses: Column (A) - Total = $2625; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15Maintenance - Buildings: Column (A) - Total = $54674; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16Maintenance -- Furn and Equip: Column (A) - Total = $38606; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17Miscellaneous: Column (A) - Total = $58754; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18Monitoring: Column (A) - Total = $14098; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19Postage and Shipping: Column (A) - Total = $56673; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20Property Taxes: Column (A) - Total = $46357; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21Rent - Furn and Equip: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22Stabilization Expense: Column (A) - Total = $26607; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt23Stationary & Supplies: Column (A) - Total = $44802; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt24Supervision Fees: Column (A) - Total = $24552; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt25Utilities: Column (A) - Total = $35841; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt26Write Down of OREO Property: Column (A) - Total = $12499; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc18Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc20Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc21Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc22Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc23Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc24Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc25Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc26Form 990, Part IX, Line 24e: Other Expenses
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt041005938
IRS990/TotalAssetsEOYAmt037471483
IRS990/TotalAssetsGrp/BOYAmt041005938
IRS990/TotalAssetsGrp/EOYAmt037471483
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt026
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03383216
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt036320197
IRS990/TotalLiabilitiesEOYAmt033209915
IRS990/TotalLiabilitiesGrp/BOYAmt036320197
IRS990/TotalLiabilitiesGrp/EOYAmt033209915
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04685741
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04261568
IRS990/TotalOtherCompensationAmt03951
IRS990/TotalProgramServiceRevenueAmt02965053

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
$37,471,483
Liabilities
$33,209,915
Net assets
$4,261,568
Revenue
$2,959,043
Expenses
$3,383,216
Net income
-$424,173
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$32.3$27.9$4.43$1.99$3.21$1.23
2016Detailed filing. Detailed filing data is available for this year.$35.1$29.4$5.66$2.42$2.76$0.34
2015Detailed filing. Detailed filing data is available for this year.$35.0$29.0$6.00$3.60$3.16$0.43
2014Detailed filing. Detailed filing data is available for this year.$36.4$30.8$5.55$4.09$2.80$1.28
2013Detailed filing. Detailed filing data is available for this year.$37.5$33.2$4.26$2.96$3.38$0.42
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.0$36.3$4.69$9.48
2011Summary only. Only limited summary data is available for this year.$49.2$37.9$11.3$4.87$4.14$0.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.7$30.0$10.7$3.60
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $25M-$50M nonprofits