Liabilities / Assets
14th percentile
Higher debt load relative to assets than 14% of similar nonprofits.
990 • Fiscal year 2018 • EIN 56-0602721
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
14th percentile
Higher debt load relative to assets than 14% of similar nonprofits.
Liabilities / Revenue
9th percentile
Higher debt load relative to revenue than 9% of similar nonprofits.
Net Margin
14th percentile
Higher net margin than 14% of similar nonprofits.
Top Officer Pay
12th percentile
Higher top officer pay than 12% of similar nonprofits.
Top officer pay equals 1.8% of source-year revenue.
Asset Growth
3rd percentile
Faster asset growth than 3% of similar nonprofits.
Revenue Growth
7th percentile
Faster revenue growth than 7% of similar nonprofits.
Assets
Down$107,745,310
Down $4,219,135 (-3.8%) from 2017
Net Assets
Up$17,962,368
Up $110,049 (+0.6%) from 2017
Liabilities
Down$89,782,942
Down $4,329,184 (-4.6%) from 2017
Revenue
Up$7,923,824
Up $51,180 (+0.7%) from 2017
Expenses
Up$7,545,205
Up $319,765 (+4.4%) from 2017
Net Income
Down$378,619
Down $268,585 (-41%) from 2017
LOANS TO MEMBERS
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $64,316,676 | $62,675,527 | ▼ $1,641,149 |
| Investments Program Related | $22,703,494 | $23,275,325 | ▲ $571,831 |
| Savings and Temporary Cash Investments | $11,681,222 | $8,930,012 | ▼ $2,751,210 |
| Land, Buildings, and Equipment, Net | $5,336,699 | $5,183,786 | ▼ $152,913 |
| Cash and Non-Interest-Bearing Accounts | $3,308,554 | $3,098,999 | ▼ $209,555 |
| Prepaid Expenses and Deferred Charges | $291,449 | $216,387 | ▼ $75,062 |
| Total Assets | $111,964,445 | $107,745,310 | ▼ $4,219,135 |
| Other Assets Total | $4,326,351 | $4,365,274 | ▲ $38,923 |
| Liabilities | |||
| Other Liabilities | $92,816,232 | $89,290,074 | ▼ $3,526,158 |
| Accounts Payable and Accrued Expenses | $1,295,894 | $492,868 | ▼ $803,026 |
| Total Liabilities | $94,112,126 | $89,782,942 | ▼ $4,329,184 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $17,852,319 | $17,962,368 | ▲ $110,049 |
| Total Net Assets Fund Balance | $17,852,319 | $17,962,368 | ▲ $110,049 |
| Total Liabilities and Net Assets / Fund Balance | $111,964,445 | $107,745,310 | ▼ $4,219,135 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,787,644 | $3,521,823 | $6,309,467 |
| Equipment | $161,943 | $2,086,697 | $2,248,640 |
| Land | $2,234,199 | - | $2,234,199 |
| Other Land Buildings | - | $678,083 | $678,083 |
| Investment Program Related Org | $500,000 | - | - |
| Name | Title | Base | Total |
|---|---|---|---|
| Joy Watts | President/ C | $138,973 | $138,973 |
| Name | Title |
|---|---|
| Phillip Kridel | Chairman |
| John Geter | Vice Chairma |
| Huyla Jackson | Director |
| Kim Boggans | Director |
| Lola Bumbarger | Director |
| Lori Kawulok | Director |
| Roy Montague | Director |
| Diane Rich | Secretary |
| D C Trull | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Source 4 | Print Supplies | 8936 NORTHPOINT EXECUTIVE DRIVE, SUITE 100, Huntersville, NC 28078 | $122,863 |
| Line Item | Amount |
|---|---|
| Other Expenses | $4,811,846 |
| Salaries, Compensation, and Employee Benefits | $2,733,359 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $2,460,023 | $273,336 | - | $2,733,359 |
| Office Expenses | $828,561 | - | - | $828,561 |
| Occupancy | $628,211 | - | - | $628,211 |
| Advertising | $297,547 | - | - | $297,547 |
| Interest | $257,787 | - | - | $257,787 |
| Conferences and Meetings | $99,816 | - | - | $99,816 |
| Other Expenses | $17,615 | $99,840 | - | $17,615 |
| Total Functional Expenses | $7,172,029 | $373,176 | $0 | $7,545,205 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares | $89,290,074 |
“MEMBERS”
“At the credit union's annual meeting, the membership elects the board of directors”
“Board of directors and supervisory committee member are selected by the members of the credit union.”
“The organization reviews the form 990 to ensure that there are no omissions or misstatements.”
“New conflict of interest agreements are signed annually. Employee handbooks cover conflict of interest policies and procedures.”
“The board of directors approves the president's annual salary.”
“The president approves salaries for employees.”
“Governing documents are available to the public upon request. Persons may cvome into the credit union's branches and request a copy of any of our governing documents. Some documents are posted in the branch lobbies.”
“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.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | true |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 1295894 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 492868 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | LOANS TO MEMBERS |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 297547 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 297547 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | false |
| IRS990/AuditCommitteeInd | 0 | false |
| IRS990/BackupWthldComplianceInd | 0 | false |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | NOVA CREDIT UNION |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7043923418 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3601 MULBERRY CHURCH ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | CHARLOTTE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NC |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 28208 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 3308554 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 3098999 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 99816 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 99816 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 122863 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 8936 NORTHPOINT EXECUTIVE DRIVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt | 0 | SUITE 100 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | HUNTERSVILLE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | NC |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 28078 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | SOURCE 4 |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | PRINT SUPPLIES |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 691185 |
| IRS990/CYOtherExpensesAmt | 0 | 4811846 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 7232639 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 378619 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2733359 |
| IRS990/CYTotalExpensesAmt | 0 | 7545205 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 7923824 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | 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. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 67 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | KIM BOGGANS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | LOLA BUMBARGER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JOHN GETER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | HUYLA JACKSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | LORI KAWULOK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | PHILLIP KRIDEL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | ROY MONTAGUE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | DIANE RICH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | D C TRULL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JOY WATTS |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 138973 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIRMA |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | PRESIDENT/ C |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1934 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 7923824 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 257787 |
| IRS990/InterestGrp/TotalAmt | 0 | 257787 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 691185 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 691185 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 22703494 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 23275325 |
| IRS990/IRPDocumentCnt | 0 | 2191 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 6286603 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5336699 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5183786 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 11470389 |
| IRS990/LegalDomicileStateCd | 0 | NC |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | LOANS TO MEMBERS |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 17852319 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 17962368 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -268570 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 628211 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 628211 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 828561 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 828561 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 4326351 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 4365274 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROFESSIONAL & OUTSIDE SE |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVISING EXP |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 3 | MISC OPERATION EXP |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 99840 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 898555 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 872587 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 811327 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 17615 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 998395 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 872587 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 811327 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 17615 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 92816232 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 89290074 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 273336 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 2460023 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2733359 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 64316676 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 62675527 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 291449 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 216387 |
| IRS990/PrincipalOfficerNm | 0 | JOY WATTS |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4265981 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1806454 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 1160204 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4265981 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1806454 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 1160204 |
| IRS990/ProgSrvcAccomActyOtherGrp/Desc | 0 | 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. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 589696 |
| IRS990/PYOtherExpensesAmt | 0 | 4771019 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 7282948 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 647204 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2454421 |
| IRS990/PYTotalExpensesAmt | 0 | 7225440 |
| IRS990/PYTotalRevenueAmt | 0 | 7872644 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 378619 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | true |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 11681222 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 8930012 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2787644 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 3521823 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 6309467 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 161943 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2086697 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2248640 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 10594725 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 8430313 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 3750287 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 500000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | INVESTMENTS 3-5 YEARS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | INVESTMENTS 1-3 YEARS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | INVESTMENTS 5-10 YEARS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 3 | INVESTMENTS OVER 10 YEARS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 2234199 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 2234199 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 678083 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 678083 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 89290074 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 5183786 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 23275325 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 89290074 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | MEMBERS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | AT THE CREDIT UNION'S ANNUAL MEETING, THE MEMBERSHIP ELECTS THE BOARD OF DIRECTORS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE MEMBER ARE SELECTED BY THE MEMBERS OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE ORGANIZATION REVIEWS THE FORM 990 TO ENSURE THAT THERE ARE NO OMISSIONS OR MISSTATEMENTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | NEW CONFLICT OF INTEREST AGREEMENTS ARE SIGNED ANNUALLY. EMPLOYEE HANDBOOKS COVER CONFLICT OF INTEREST POLICIES AND PROCEDURES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE BOARD OF DIRECTORS APPROVES THE PRESIDENT'S ANNUAL SALARY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE PRESIDENT APPROVES SALARIES FOR EMPLOYEES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. PERSONS MAY CVOME INTO THE CREDIT UNION'S BRANCHES AND REQUEST A COPY OF ANY OF OUR GOVERNING DOCUMENTS. SOME DOCUMENTS ARE POSTED IN THE BRANCH LOBBIES. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 2, PART III, LINE 4D |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 111964445 |
| IRS990/TotalAssetsEOYAmt | 0 | 107745310 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 111964445 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 107745310 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 67 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 373176 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 7172029 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 7545205 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 94112126 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 89782942 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 94112126 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 89782942 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 17852319 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 17962368 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 7232639 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 138973 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7923824 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 7923824 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 111964445 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 107745310 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UnrestrictedNetAssetsGrp/BOYAmt | 0 | 17852319 |
| IRS990/UnrestrictedNetAssetsGrp/EOYAmt | 0 | 17962368 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 7213 BERKSHIRE COURT |
| IRS990/USAddress/CityNm | 0 | DENVER |
| IRS990/USAddress/StateAbbreviationCd | 0 | NC |
| IRS990/USAddress/ZIPCd | 0 | 28037 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | WWW.CPCUONLINE.COM |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2019-02-21 02:37:17Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JOY WATTS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT/ CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7043923418 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2019-05-15 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | NOVA CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | NOVA |
| ReturnHeader/Filer/EIN | 0 | 560602721 |
| ReturnHeader/Filer/PhoneNum | 0 | 7043923418 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 3601 MULBERRY CHURCH ROAD |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CHARLOTTE |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | NC |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 28208 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | F9A6853F607C06F0F5AD43C1E6C90CE922A6342A |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | AE30496A62B46D8576CB2DA285076149EB93452B |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 206.74.13.32 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2019-05-15 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CD |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 14:07:05 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 570568919 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | CANTEY TILLER PIERCE & GREEN LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | PO BOX 862 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | CAMDEN |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | SC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 29021 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 8034321436 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2019-05-15 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JANET M PIERCE |
| ReturnHeader/ReturnTs | 0 | 2019-05-15T14:07:05-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2018-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2018-12-31 |
| ReturnHeader/TaxYr | 0 | 2018 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.
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