Civic Intelligence

First Legacy Community Credit Union

EIN 56-0558528 • 501(c)14 • Charlotte, NC

View Organization Page

Profile

To create wealth in community by providing low interest rate

431 Beatties Ford RdCharlotte, NC 28216

www.firstlegacyfcu.org

Siviq Scores

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

Liabilities / Assets

45th percentile

0.86x

Higher debt load relative to assets than 45% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

34th percentile

14.04x

Higher debt load relative to revenue than 34% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

3rd percentile

-62%

Higher net margin than 3% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

51st percentile

$115,000

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

9th percentile

-7.8%

Faster asset growth than 9% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

4th percentile

-18%

Faster revenue growth than 4% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets45th percentile

Assets

Down

$32,318,406

Down $2,748,655 (-7.8%) from 2016

Liabilities

Down

$27,886,311

Down $1,522,219 (-5.2%) from 2016

Net Assets

Down

$4,432,095

Down $1,226,436 (-22%) from 2016

Operations
Liabilities / Revenue34th percentileNet Margin3rd percentile

Revenue

Down

$1,985,712

Down $435,572 (-18%) from 2016

Expenses

Up

$3,212,148

Up $448,401 (+16%) from 2016

Net Income

Down

-$1,226,436

Down $883,973 (-258%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth9th percentile

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

$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

2017

Assets$32,318,406
Liabilities$27,886,311
Net Assets$4,432,095
Open 2017 Filing

Operations Trend

Revenue Growth4th percentile

Revenue, expenses, and net income by year, with the latest 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

2017

Revenue$1,985,712
Expenses$3,212,148
Net Income-$1,226,436
Open 2017 Filing

Filings

Most recent year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$32,318,406
Liabilities
$27,886,311
Net assets
$4,432,095
Revenue
$1,985,712
Expenses
$3,212,148
Net income
-$1,226,436
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 15, 2018
Return Version
2017v2.2
Gross Receipts
$1,985,712
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 our members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$18,517,473$16,266,070▼ $2,251,403
Savings and Temporary Cash Investments$13,162,825$11,700,901▼ $1,461,924
Rtn Earn Endowment Incm Other Fnds$5,658,531$4,432,095▼ $1,226,436
Land, Buildings, and Equipment, Net$2,265,262$2,152,459▼ $112,803
Cash and Non-Interest-Bearing Accounts$627,932$687,133▲ $59,201
Prepaid Expenses and Deferred Charges$77,118$88,985▲ $11,867
Total Assets$35,067,061$32,318,406▼ $2,748,655
Other Assets Total$416,451$1,422,858▲ $1,006,407
Liabilities
Other Liabilities$29,023,506$27,641,814▼ $1,381,692
Accounts Payable and Accrued Expenses$385,024$244,497▼ $140,527
Total Liabilities$29,408,530$27,886,311▼ $1,522,219
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,658,531$4,432,095▼ $1,226,436
Total Liabilities and Net Assets / Fund Balance$35,067,061$32,318,406▼ $2,748,655

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,877,989$1,284,519$3,162,508
Equipment$143,003$583,779$726,782
Land$131,467-$131,467
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michelle OutlawCEOFT$115,000$115,000

Board Members and Trustees

NameTitle
Gloria ReeseChair, Board Member
Armeer KenchenVice Chair, Board Member
Lebarbara SouthernBoard Member
Donyel BarberSecretary, Board Member
Doris AsburyTreasurer, Board Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,902,048
Investment Income
$83,664
Other Revenue
$0
Change in Net Assets
$-1,226,436
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,399,587
Salaries, Compensation, and Employee Benefits$812,561
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$697,561
Office Expenses---$485,908
Occupancy---$373,949
Interest---$178,629
Current Officers, Directors, Trustees, and Key Employees---$115,000
Fees for Services Other---$105,725
Other Expenses---$30,138
Advertising---$25,785
Conferences and Meetings---$3,415
Total Functional Expenses$0$0$0$3,212,148
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares/deposits$27,641,814
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
First Legacy Community Credit Union
EIN
56-0558528
Phone
7043755781
Address
431 BEATTIES FORD RD, CHARLOTTE, NC 28216

Signing Officer

Name
Michelle Outlaw
Title
CEO
Phone
7043755781
Signed
2018-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle Outlaw
Formed
1941
Legal Domicile
Nc
Voting Board Members
5
Independent Board Members
5
Employees
17
Volunteers
5

Preparer

Firm
Carolinas Credit Union League
Address
323 W Jones Street Suite 200, Raleigh, NC 27603
Preparer
Ladawn Atkinson
Phone
3363140812
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“MEMBERS”

Pt VI, Line 7A

“Directors and officers are elected by members”

Pt VI, Line 7B

“Decisions are subject to member votes”

Pt VI, Line 11B

“Send to cu for review and signature”

Pt VI, Line 15A

“The president/ceo makes recommendations to the board for salary”

Pt VI, Line 15B

“The president/ceo makes recommendations to the board”

Raw XML Appendix275 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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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0323 W Jones Street Suite 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Raleigh
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd027603
ReturnHeader/PreparerPersonGrp/PhoneNum03363140812
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LADAWN ATKINSON
ReturnHeader/ReturnTs02018-11-14T12:31:41-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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