Civic Intelligence

State Chartered Credit Unions in North Carolina

990 • Fiscal year 2013 • EIN 56-0602721

Jan 01, 2013 to Dec 31, 2013 • Filed on May 01, 2014

Organization ProfileWWW.CPCUONLINE.COM

View Organization Page

3601 Mulberry Church Road28208

(704) 392-3418

Siviq Scores

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

Liabilities / Assets

29th percentile

0.87x

Higher debt load relative to assets than 29% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

25th percentile

14.97x

Higher debt load relative to revenue than 25% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

29th percentile

4.0%

Higher net margin than 29% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

54th percentile

2.5%

Faster asset growth than 54% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M 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 / Assets29th percentile

Assets

Up

$83,445,814

Up $2,045,956 (+2.5%) from 2012

Net Assets

Down

$10,565,311

Down $457,502 (-4.2%) from 2012

Liabilities

Up

$72,880,503

Up $2,503,458 (+3.6%) from 2012

Revenue And Expenses
Liabilities / Revenue25th percentileNet Margin29th percentile

Revenue

$4,867,523

No earlier filing loaded for comparison.

Expenses

Up

$4,671,656

Up $9,324 (+0.2%) from 2012

Net Income

$195,867

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

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

$150M$100M$50M$0Assets 2010: $78,418,096Liabilities 2010: $68,262,816Net Assets 2010: $10,155,2802010Assets 2011: $78,064,757Liabilities 2011: $67,219,212Net Assets 2011: $10,845,5452011Assets 2012: $81,399,858Liabilities 2012: $70,377,045Net Assets 2012: $11,022,8132012Assets 2013: $83,445,814Liabilities 2013: $72,880,503Net Assets 2013: $10,565,3112013Assets 2014: $86,190,228Liabilities 2014: $75,330,243Net Assets 2014: $10,859,9852014Assets 2015: $85,791,596Liabilities 2015: $74,880,218Net Assets 2015: $10,911,3782015Assets 2016: $114,767,268Liabilities 2016: $97,527,713Net Assets 2016: $17,239,5552016Assets 2017: $111,964,445Liabilities 2017: $94,112,126Net Assets 2017: $17,852,3192017Assets 2018: $107,745,310Liabilities 2018: $89,782,942Net Assets 2018: $17,962,3682018Assets 2019: $106,297,179Liabilities 2019: $87,343,641Net Assets 2019: $18,953,5382019Assets 2020: $120,071,180Liabilities 2020: $101,392,406Net Assets 2020: $18,678,7742020Assets 2021: $129,418,151Liabilities 2021: $110,430,010Net Assets 2021: $18,988,1412021Assets 2022: $124,030,891Liabilities 2022: $107,238,601Net Assets 2022: $16,792,2902022Assets 2023: $120,556,862Liabilities 2023: $103,422,382Net Assets 2023: $17,134,4802023

Highlighted filing

2013

Assets$83,445,814
Liabilities$72,880,503
Net Assets$10,565,311
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0-$5.0MExpenses 2010: $5,234,6832010Expenses 2011: $5,069,8592011Expenses 2012: $4,662,3322012Revenue 2013: $4,867,523Expenses 2013: $4,671,656Net Income 2013: $195,8672013Revenue 2014: $4,968,257Expenses 2014: $4,784,257Net Income 2014: $184,0002014Revenue 2015: $4,866,771Expenses 2015: $4,805,456Net Income 2015: $61,3152015Revenue 2016: $7,669,862Expenses 2016: $7,293,136Net Income 2016: $376,7262016Revenue 2017: $7,872,644Expenses 2017: $7,225,440Net Income 2017: $647,2042017Revenue 2018: $7,923,824Expenses 2018: $7,545,205Net Income 2018: $378,6192018Revenue 2019: $7,707,216Expenses 2019: $7,625,366Net Income 2019: $81,8502019Revenue 2020: $6,983,179Expenses 2020: $7,886,341Net Income 2020: -$903,1622020Revenue 2021: $7,509,180Expenses 2021: $6,501,332Net Income 2021: $1,007,8482021Revenue 2022: $7,093,444Expenses 2022: $5,913,646Net Income 2022: $1,179,7982022Revenue 2023: $7,295,637Expenses 2023: $7,115,677Net Income 2023: $179,9602023

Highlighted filing

2013

Revenue$4,867,523
Expenses$4,671,656
Net Income$195,867
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 1, 2014
Return Version
2013v3.1
Gross Receipts
$4,867,523
Mission and Program Overview

Mission

LOANS TO MEMBERS

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$50,177,256$52,365,891▲ $2,188,635
Investments Program Related-$17,330,758-
Rtn Earn Endowment Incm Other Fnds$11,022,813$10,565,311▼ $457,502
Savings and Temporary Cash Investments$24,303,476$6,908,009▼ $17,395,467
Land, Buildings, and Equipment, Net$2,915,388$2,766,333▼ $149,055
Cash and Non-Interest-Bearing Accounts$1,785,686$2,037,931▲ $252,245
Prepaid Expenses and Deferred Charges-$221,143-
Total Assets$81,399,858$83,445,814▲ $2,045,956
Other Assets Total$2,218,052$1,815,749▼ $402,303
Liabilities
Other Liabilities$69,857,191$72,321,259▲ $2,464,068
Accounts Payable and Accrued Expenses$519,854$559,244▲ $39,390
Total Liabilities$70,377,045$72,880,503▲ $2,503,458
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,022,813$10,565,311▼ $457,502
Total Liabilities and Net Assets / Fund Balance$81,399,858$83,445,814▲ $2,045,956

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,571,689$1,948,970$3,520,659
Equipment$95,945$1,276,252$1,372,197
Land$1,098,699-$1,098,699
Other Land Buildings-$678,083$678,083
Investment Program Related Org$17,330,758--
Other Assets Org$711,744--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleBaseTotal
John Geter1824 Laurel Lane Gastonia Nc 28054$111,352$111,352

Board Members and Trustees

NameTitle
Phillip Kridel10409 SALVIA ST #104 CHARLOTTE NC 28277
Roy Montague4304 Mossy Wood Circle, Greensboro, Nc 27409
Diane Rich5918 Colchester Pl Charlotte Nc 28210
Barry Williams707 East Drive Cherryville Nc 28021
Joy Watts7213 Berkshire Ct Denver Nc 28037
Chuck Burch7408 Pine Bluff Circle Charlotte Nc 28214
Hugh Livingston9324 Hood Road Charlotte Nc 28215
Billy SmithPO Box 1176 Hickory, Nc 28603
Dc TrullPO Box 356 Indian Trail, Nc 28079
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,447,150
Investment Income
$420,373
Other Revenue
$0
Change in Net Assets
$195,867
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,940,043
Salaries, Compensation, and Employee Benefits$1,643,617
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,532,265
Office Expenses---$562,324
Fees for Services Other---$541,794
Occupancy---$386,652
Interest---$347,884
Advertising---$224,574
Current Officers, Directors, Trustees, and Key Employees---$111,352
Conferences and Meetings---$88,722
Benefits to Members---$87,996
Other Expenses---$56,345
Total Functional Expenses$0$0$0$4,671,656
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
Member Shares$72,321,259
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
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

EIN
56-0602721
Phone
7043923418

Signing Officer

Name
Joy Watts
Title
Manager/CEO
Phone
7043923418
Signed
2014-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joy Watts
Formed
1934
Legal Domicile
Nc
Voting Board Members
9
Independent Board Members
9
Employees
30
Volunteers
13

Preparer

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

“Sent to manager for review and signature”

Pt VI, Line 19

“AVAILABLE UPON REQUEST”

Pt XI

“UNREALIZED GAIN/LOSS”

Form 990, Part IX, Line 24F

“Association dues loan servicing professional & outside svc provision for loan losses total federal operating expense total cash over and short total interest expense misc operating expense misc operating expense”

Raw XML Appendix354 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/TitleTxt87213 BERKSHIRE CT DENVER NC 28037
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2899343
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3711744
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST ON LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INTEREST ON INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2TOTAL OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3OREO
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4NCUA STABILIZATION EXPENSE
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0678083
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0678083
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt072321259
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02766333
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01815749
IRS990ScheduleD/TotalBookValueProgramRltdAmt017330758
IRS990ScheduleD/TotalLiabilityAmt072321259
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DIRECTORS AND OFFICERS ARE ELECTED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS ARE SUBJECT TO MEMBER VOTES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SENT TO MANAGER FOR REVIEW AND SIGNATURE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UNREALIZED GAIN/LOSS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ASSOCIATION DUES LOAN SERVICING PROFESSIONAL & OUTSIDE SVC PROVISION FOR LOAN LOSSES TOTAL FEDERAL OPERATING EXPENSE TOTAL CASH OVER AND SHORT TOTAL INTEREST EXPENSE MISC OPERATING EXPENSE MISC OPERATING EXPENSE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0NC
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt081399858
IRS990/TotalAssetsEOYAmt083445814
IRS990/TotalAssetsGrp/BOYAmt081399858
IRS990/TotalAssetsGrp/EOYAmt083445814
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt030
IRS990/TotalFunctionalExpensesGrp/TotalAmt04671656
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt070377045
IRS990/TotalLiabilitiesEOYAmt072880503
IRS990/TotalLiabilitiesGrp/BOYAmt070377045
IRS990/TotalLiabilitiesGrp/EOYAmt072880503
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt011022813
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010565311
IRS990/TotalProgramServiceRevenueAmt04447150
IRS990/TotalReportableCompFromOrgAmt0111352
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04867523
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04867523
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt081399858
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt083445814
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103601 MULBERRY CHURCH ROAD
IRS990/USAddress/City0CHARLOTTE
IRS990/USAddress/State0NC
IRS990/USAddress/ZIPCode028208
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.CPCUONLINE.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOY WATTS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07043923418
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-01
ReturnHeader/Filer/BusinessName/BusinessNameLine10STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0560602721
ReturnHeader/Filer/PhoneNum07043923418
ReturnHeader/Filer/USAddress/AddressLine103601 MULBERRY CHURCH ROAD
ReturnHeader/Filer/USAddress/City0CHARLOTTE
ReturnHeader/Filer/USAddress/State0NC
ReturnHeader/Filer/USAddress/ZIPCode028208
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10NORTH CAROLINA CREDIT UNION LEAGUE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10323 W Jones Street Suite 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Raleigh
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode027603
ReturnHeader/PreparerPersonGrp/PhoneNum03363140812
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LADAWN ATKINSON
ReturnHeader/ReturnTs02014-05-09T08:21:25-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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
$83,445,814
Liabilities
$72,880,503
Net assets
$10,565,311
Revenue
$4,867,523
Expenses
$4,671,656
Net income
$195,867
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$121$103$17.1$7.30$7.12$0.18
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$124$107$16.8$7.09$5.91$1.18
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$129$110$19.0$7.51$6.50$1.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$120$101$18.7$6.98$7.89$0.90
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$106$87.3$19.0$7.71$7.63$0.08
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$108$89.8$18.0$7.92$7.55$0.38
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$112$94.1$17.9$7.87$7.23$0.65
2016Summary only. Only limited summary data is available for this year.$115$97.5$17.2$7.67$7.29$0.38
2015Detailed filing. Detailed filing data is available for this year.$85.8$74.9$10.9$4.87$4.81$0.06
2014Detailed filing. Detailed filing data is available for this year.$86.2$75.3$10.9$4.97$4.78$0.18
2013Detailed filing. Detailed filing data is available for this year.$83.4$72.9$10.6$4.87$4.67$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.4$70.4$11.0$4.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$78.1$67.2$10.8$5.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$78.4$68.3$10.2$5.23
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $50M-$100M nonprofits