Civic Intelligence

Arcade Credit Union

EIN 56-0580539 • 501(c)14 • Asheville, NC

View Organization Page

Profile

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

151 Patton AvenueAsheville, NC 28801

www.arcadecu.com

Siviq Scores

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

Liabilities / Assets

65th percentile

0.87x

Higher debt load relative to assets than 65% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

16.43x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

86th percentile

18%

Higher net margin than 86% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

45th percentile

$54,191

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 12.4% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

78th percentile

3.2%

Faster asset growth than 78% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

75th percentile

14%

Faster revenue growth than 75% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$8,211,950

Up $254,677 (+3.2%) from 2023

Liabilities

Up

$7,173,926

Up $173,870 (+2.5%) from 2023

Net Assets

Up

$1,038,024

Up $80,807 (+8.4%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin86th percentile

Revenue

Up

$436,746

Up $55,201 (+14%) from 2023

Expenses

Up

$356,576

Up $63,445 (+22%) from 2023

Net Income

Down

$80,170

Down $8,244 (-9.3%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth78th percentile

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

$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

2024

Assets$8,211,950
Liabilities$7,173,926
Net Assets$1,038,024
Open 2024 Filing

Operations Trend

Revenue Growth75th percentile

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

2024

Revenue$436,746
Expenses$356,576
Net Income$80,170
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,211,950
Liabilities
$7,173,926
Net assets
$1,038,024
Revenue
$436,746
Expenses
$356,576
Net income
$80,170
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 25, 2025
Return Version
2024v5.0
Gross Receipts
$436,746
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$4,710,227$4,178,250▼ $531,977
Savings and Temporary Cash Investments$3,027,809$3,779,482▲ $751,673
Rtn Earn Endowment Incm Other Fnds$957,217$1,038,024▲ $80,807
Cash and Non-Interest-Bearing Accounts$115,618$140,947▲ $25,329
Prepaid Expenses and Deferred Charges$14,087$17,199▲ $3,112
Land, Buildings, and Equipment, Net$7,364$10,400▲ $3,036
Total Assets$7,957,273$8,211,950▲ $254,677
Other Assets Total$82,168$85,672▲ $3,504
Liabilities
Other Liabilities$6,936,701$7,125,447▲ $188,746
Accounts Payable and Accrued Expenses$63,355$48,479▼ $14,876
Total Liabilities$7,000,056$7,173,926▲ $173,870
Net Assets / Fund Balance
Total Net Assets Fund Balance$957,217$1,038,024▲ $80,807
Total Liabilities and Net Assets / Fund Balance$7,957,273$8,211,950▲ $254,677
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Shelly FenderManager/ TreFT$54,191$54,191

Board Members and Trustees

NameTitle
Vann GibbsPresident
Karen KellyBoard Member
Robert ReynoldsBoard Member
Tami HoustonBoard Member
John HughesSecretary
William BrownVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$323,880
Investment Income
$112,866
Other Revenue
$0
Change in Net Assets
$80,170
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$232,784
Salaries, Compensation, and Employee Benefits$123,792
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$111,413$12,379-$123,792
Interest$67,421--$67,421
Information Technology$55,111--$55,111
Office Expenses$33,345--$33,345
Fees for Services Other$16,662--$16,662
Other Expenses$3,480$2,292-$3,480
Conferences and Meetings$1,200--$1,200
Advertising$50--$50
All Other Expenses$-3,451--$-3,451
Total Functional Expenses$341,905$14,671$0$356,576
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
Total Shares$7,125,447
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
No
Business relationship with 35% controlled entity
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
No
Other officer compensation reviewed
No
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, Page 6, Part VI, Line 11B

“Sent to manager for review and signature”

Form 990, Page 6, Part VI, Line 12C

“Monitor periodically to ensure compliance”

Form 990, Page 6, Part VI, Line 19

“Provides copies upon request”

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
Shelly Fender
Title
Manager/ Treasurer
Phone
8282541582
Signed
2025-04-25

Organization Details

Principal Officer
Shelly Fender
Formed
1952
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
3

Preparer

Firm
Cantey Tiller Pierce & Green Llp
Address
PO BOX 862, CAMDEN, SC 29021
Preparer
Janet M Pierce
Phone
8034321436
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“During the year, the credit union served its members by providing loans at reasonable rates. It also accepted deposits and paid reasonable rates of interest on those deposits.”

Raw XML Appendix307 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SENT TO MANAGER FOR REVIEW AND SIGNATURE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MONITOR PERIODICALLY TO ENSURE COMPLIANCE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PROVIDES COPIES UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/ TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum08282541582
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ARCADE CREDIT UNION
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 862
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd029021
ReturnHeader/PreparerPersonGrp/PhoneNum08034321436
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JANET M PIERCE
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-01T14:57:10-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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