Civic Intelligence

State Chartered Credit Unions in North Carolina

990 • Fiscal year 2014 • EIN 56-0580539

Jan 01, 2014 to Dec 31, 2014 • Filed on May 29, 2015

Organization ProfileWWW.ARCADECU.COM

View Organization Page

151 Patton AvenueAsheville, NC 28801

(828) 254-1582

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.86x

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

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

77th percentile

26.56x

Higher debt load relative to revenue than 77% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Net Margin

10th percentile

-20%

Higher net margin than 10% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

50th percentile

$49,754

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 21.9% of source-year revenue.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Asset Growth

53rd percentile

0.8%

Faster asset growth than 53% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Revenue Growth

14th percentile

-10%

Faster revenue growth than 14% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$6,979,257

Up $53,097 (+0.8%) from 2013

Net Assets

Down

$950,897

Down $44,389 (-4.5%) from 2013

Liabilities

Up

$6,028,360

Up $97,486 (+1.6%) from 2013

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin10th percentile

Revenue

Down

$226,950

Down $25,443 (-10%) from 2013

Expenses

Down

$271,339

Down $171,228 (-39%) from 2013

Net Income

Up

-$44,389

Up $145,785 (+77%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

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

$10M$5.0M$0Assets 2011: $7,044,565Liabilities 2011: $5,855,339Net Assets 2011: $1,189,2262011Assets 2012: $7,216,526Liabilities 2012: $6,031,066Net Assets 2012: $1,185,4602012Assets 2013: $6,926,160Liabilities 2013: $5,930,874Net Assets 2013: $995,2862013Assets 2014: $6,979,257Liabilities 2014: $6,028,360Net Assets 2014: $950,8972014Assets 2015: $6,972,515Liabilities 2015: $6,018,008Net Assets 2015: $954,5072015Assets 2016: $6,986,370Liabilities 2016: $6,091,326Net Assets 2016: $895,0442016Assets 2017: $7,831,500Liabilities 2017: $6,940,755Net Assets 2017: $890,7452017Assets 2018: $7,332,876Liabilities 2018: $6,441,296Net Assets 2018: $891,5802018Assets 2019: $6,932,519Liabilities 2019: $6,033,752Net Assets 2019: $898,7672019Assets 2020: $7,005,230Liabilities 2020: $6,130,027Net Assets 2020: $875,2032020Assets 2021: $7,602,782Liabilities 2021: $6,731,094Net Assets 2021: $871,6882021Assets 2022: $7,560,900Liabilities 2022: $6,692,097Net Assets 2022: $868,8032022Assets 2023: $7,957,273Liabilities 2023: $7,000,056Net Assets 2023: $957,2172023Assets 2024: $8,211,950Liabilities 2024: $7,173,926Net Assets 2024: $1,038,0242024

Highlighted filing

2014

Assets$6,979,257
Liabilities$6,028,360
Net Assets$950,897
Open 2014 Filing

Operations Trend

Revenue Growth14th percentile

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

$600K$400K$200K$0-$200KRevenue 2011: $299,837Expenses 2011: $298,922Net Income 2011: $9152011Revenue 2012: $281,018Expenses 2012: $284,784Net Income 2012: -$3,7662012Revenue 2013: $252,393Expenses 2013: $442,567Net Income 2013: -$190,1742013Revenue 2014: $226,950Expenses 2014: $271,339Net Income 2014: -$44,3892014Revenue 2015: $233,225Expenses 2015: $229,615Net Income 2015: $3,6102015Revenue 2016: $235,418Expenses 2016: $294,881Net Income 2016: -$59,4632016Revenue 2017: $246,288Expenses 2017: $250,587Net Income 2017: -$4,2992017Revenue 2018: $274,382Expenses 2018: $273,547Net Income 2018: $8352018Revenue 2019: $290,360Expenses 2019: $283,173Net Income 2019: $7,1872019Revenue 2020: $250,134Expenses 2020: $273,698Net Income 2020: -$23,5642020Revenue 2021: $220,223Expenses 2021: $223,738Net Income 2021: -$3,5152021Revenue 2022: $254,248Expenses 2022: $257,133Net Income 2022: -$2,8852022Revenue 2023: $381,545Expenses 2023: $293,131Net Income 2023: $88,4142023Revenue 2024: $436,746Expenses 2024: $356,576Net Income 2024: $80,1702024

Highlighted filing

2014

Revenue$226,950
Expenses$271,339
Net Income-$44,389
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 29, 2015
Return Version
2014v5.0
Gross Receipts
$226,950
Mission and Program Overview

Mission

To make loans and provide savings accounts for members at reasonable rates

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,240,380$3,768,990▼ $471,390
Savings and Temporary Cash Investments$2,452,969$2,969,413▲ $516,444
Rtn Earn Endowment Incm Other Fnds$995,286$950,897▼ $44,389
Cash and Non-Interest-Bearing Accounts$155,689$160,214▲ $4,525
Land, Buildings, and Equipment, Net$2,364$7,439▲ $5,075
Total Assets$6,926,160$6,979,257▲ $53,097
Other Assets Total$74,758$73,201▼ $1,557
Liabilities
Other Liabilities$5,912,783$6,014,183▲ $101,400
Accounts Payable and Accrued Expenses$18,091$14,177▼ $3,914
Total Liabilities$5,930,874$6,028,360▲ $97,486
Net Assets / Fund Balance
Total Net Assets Fund Balance$995,286$950,897▼ $44,389
Total Liabilities and Net Assets / Fund Balance$6,926,160$6,979,257▲ $53,097

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$7,439-$7,439
Other Assets Org$14,073--
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Charlene Costa17 Lynwood Circle Asheville Nc 28806FT$49,754$49,754

Board Members and Trustees

NameTitle
William Brown105 Castlerock Drive Asheville Nc 28806
Vann Gibbs107 Orchard Rd, Asheville Nc 28801
Robert Reynolds14 North Star Trl Weaverville, Nc 28787
Larry Carr23 Carr Drive, Leicester, Nc 28748
Karen Kelly29 Wake Robin Way Asheville, Nc 28805
John Hughes46 Beale Court Fletcher Nc 28732
Tamara Houston87 Duncan Estate Drive, Fletcher Nc 28732
Mike HunsuckerPO Box 1897 Candler Nc 28715
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$205,631
Investment Income
$21,319
Other Revenue
$0
Change in Net Assets
$-44,389
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$138,911
Salaries, Compensation, and Employee Benefits$132,428
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$82,674
Fees for Services Other---$72,454
Current Officers, Directors, Trustees, and Key Employees---$49,754
Office Expenses---$36,508
Other Expenses---$10,360
Interest---$9,662
Conferences and Meetings---$1,200
Advertising---$175
Total Functional Expenses$0$0$0$271,339
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$6,014,183
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Arcade Credit Union
EIN
56-0580539
Phone
8282541582
Address
151 PATTON AVENUE, ASHEVILLE, NC 28801

Signing Officer

Name
Charlene English
Title
Manager
Phone
8282541582
Signed
2015-05-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Charlene English
Formed
1952
Legal Domicile
Nc
Voting Board Members
9
Independent Board Members
8
Employees
3
Volunteers
9

Preparer

Firm
North Carolina 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

“YES, MEMBERS”

Pt VI, Line 7B

“YES, MEMBERS”

Pt VI, Line 11B

“Sent to manager for review and signature”

Pt VI, Line 12C

“Monitor periodically to ensure compliance”

Raw XML Appendix314 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/TotalRevenueGrp/TotalRevenueColumnAmt0226950
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06926160
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06979257
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt017 LYNWOOD CIRCLE
IRS990/USAddress/CityNm0ASHEVILLE
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028806
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.ARCADECU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLENE ENGLISH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum08282541582
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ARCADE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ARCA
ReturnHeader/Filer/EIN0560580539
ReturnHeader/Filer/PhoneNum08282541582
ReturnHeader/Filer/USAddress/AddressLine1Txt0151 PATTON AVENUE
ReturnHeader/Filer/USAddress/CityNm0ASHEVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028801
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0NORTH CAROLINA CREDIT UNION LEAGUE
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/PreparationDt02015-06-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LADAWN ATKINSON
ReturnHeader/ReturnTs02015-06-07T13:57:43-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$6,979,257
Liabilities
$6,028,360
Net assets
$950,897
Revenue
$226,950
Expenses
$271,339
Net income
-$44,389
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.21$7.17$1.04$0.44$0.36$0.08
2023Detailed filing. Detailed filing data is available for this year.$7.96$7.00$0.96$0.38$0.29$0.09
2022Detailed filing. Detailed filing data is available for this year.$7.56$6.69$0.87$0.25$0.26$0.00
2021Detailed filing. Detailed filing data is available for this year.$7.60$6.73$0.87$0.22$0.22$0.00
2020Detailed filing. Detailed filing data is available for this year.$7.01$6.13$0.88$0.25$0.27$0.02
2019Detailed filing. Detailed filing data is available for this year.$6.93$6.03$0.90$0.29$0.28$0.01
2018Detailed filing. Detailed filing data is available for this year.$7.33$6.44$0.89$0.27$0.27$0.00
2017Detailed filing. Detailed filing data is available for this year.$7.83$6.94$0.89$0.25$0.25$0.00
2016Detailed filing. Detailed filing data is available for this year.$6.99$6.09$0.90$0.24$0.29$0.06
2015Detailed filing. Detailed filing data is available for this year.$6.97$6.02$0.95$0.23$0.23$0.00
2014Detailed filing. Detailed filing data is available for this year.$6.98$6.03$0.95$0.23$0.27$0.04
2013Summary only. Only limited summary data is available for this year.$6.93$5.93$1.00$0.25$0.44$0.19
2012Summary only. Only limited summary data is available for this year.$7.22$6.03$1.19$0.28$0.28$0.00
2011Summary only. Only limited summary data is available for this year.$7.04$5.86$1.19$0.30$0.30$0.00