Liabilities / Assets
15th percentile
Higher debt load relative to assets than 15% of similar nonprofits.
990 • Fiscal year 2020 • EIN 56-0602721
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
15th percentile
Higher debt load relative to assets than 15% of similar nonprofits.
Liabilities / Revenue
14th percentile
Higher debt load relative to revenue than 14% of similar nonprofits.
Net Margin
3rd percentile
Higher net margin than 3% of similar nonprofits.
Top Officer Pay
20th percentile
Higher top officer pay than 20% of similar nonprofits.
Top officer pay equals 2.1% of source-year revenue.
Asset Growth
25th percentile
Faster asset growth than 25% of similar nonprofits.
Revenue Growth
19th percentile
Faster revenue growth than 19% of similar nonprofits.
Assets
Up$120,071,180
Up $13,774,001 (+13%) from 2019
Net Assets
Down$18,678,774
Down $274,764 (-1.4%) from 2019
Liabilities
Up$101,392,406
Up $14,048,765 (+16%) from 2019
Revenue
Down$6,983,179
Down $724,037 (-9.4%) from 2019
Expenses
Up$7,886,341
Up $260,975 (+3.4%) from 2019
Net Income
Down-$903,162
Down $985,012 (-1203%) from 2019
LOANS TO MEMBERS
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $58,988,256 | $65,959,269 | ▲ $6,971,013 |
| Investments Program Related | $23,132,791 | $24,073,658 | ▲ $940,867 |
| Savings and Temporary Cash Investments | $11,785,493 | $17,684,940 | ▲ $5,899,447 |
| Land, Buildings, and Equipment, Net | $5,013,606 | $4,887,674 | ▼ $125,932 |
| Cash and Non-Interest-Bearing Accounts | $2,739,473 | $2,655,473 | ▼ $84,000 |
| Prepaid Expenses and Deferred Charges | $271,570 | $307,672 | ▲ $36,102 |
| Total Assets | $106,297,179 | $120,071,180 | ▲ $13,774,001 |
| Other Assets Total | $4,365,990 | $4,502,494 | ▲ $136,504 |
| Liabilities | |||
| Other Liabilities | $87,286,430 | $101,176,215 | ▲ $13,889,785 |
| Accounts Payable and Accrued Expenses | $57,211 | $216,191 | ▲ $158,980 |
| Total Liabilities | $87,343,641 | $101,392,406 | ▲ $14,048,765 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $18,953,538 | $18,678,774 | ▼ $274,764 |
| Total Net Assets Fund Balance | $18,953,538 | $18,678,774 | ▼ $274,764 |
| Total Liabilities and Net Assets / Fund Balance | $106,297,179 | $120,071,180 | ▲ $13,774,001 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,546,045 | $3,823,629 | $6,369,674 |
| Equipment | $107,430 | $2,275,013 | $2,382,443 |
| Land | $2,234,199 | - | $2,234,199 |
| Other Land Buildings | - | $678,083 | $678,083 |
| Investment Program Related Org | $1,489,545 | - | - |
| Name | Title |
|---|---|
| Phillip Kridel | Chairman |
| John Geter | Vice Chairma |
| Sherry Gordon | Board Member |
| Kim Boggans | Director |
| Lori Kawulok | Director |
| Rita Ellison | Director |
| Roy Montague | Director |
| Lola Bumbarger | Secretary |
| Huyla Jackson | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $4,780,711 |
| Salaries, Compensation, and Employee Benefits | $3,105,630 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $2,795,067 | $310,563 | - | $3,105,630 |
| Office Expenses | $775,116 | - | - | $775,116 |
| Occupancy | $452,231 | - | - | $452,231 |
| Advertising | $399,118 | - | - | $399,118 |
| Interest | $210,376 | - | - | $210,376 |
| Other Expenses | $51,066 | $92,994 | - | $51,066 |
| Conferences and Meetings | $14,189 | - | - | $14,189 |
| Total Functional Expenses | $7,482,784 | $403,557 | $0 | $7,886,341 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Shares | $101,176,215 |
“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 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 57211 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 216191 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | LOANS TO MEMBERS |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 399118 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 399118 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | false |
| IRS990/BackupWthldComplianceInd | 0 | false |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | NOVA CREDIT UNION |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7044092228 |
| 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/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2739473 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2655473 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 14189 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 14189 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 657431 |
| IRS990/CYOtherExpensesAmt | 0 | 4780711 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 6325748 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -903162 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 3105630 |
| IRS990/CYTotalExpensesAmt | 0 | 7886341 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 6983179 |
| 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/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 63 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 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 | 5137 |
| 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 | JOY WATTS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | KIM BOGGANS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | LOLA BUMBARGER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | RITA ELLISON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JOHN GETER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | SHERRY GORDON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | HUYLA JACKSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | LORI KAWULOK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | PHILLIP KRIDEL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | ROY MONTAGUE |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 144959 |
| 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 | 0 |
| 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 | PRESIDENT/ C |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | VICE CHAIRMA |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1934 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| 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 | 6983179 |
| 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 | 210376 |
| IRS990/InterestGrp/TotalAmt | 0 | 210376 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 657431 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 657431 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 23132791 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 24073658 |
| IRS990/IRPDocumentCnt | 0 | 1854 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 6776725 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5013606 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 4887674 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 11664399 |
| 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 | 18953538 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 18678774 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 628398 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 18953538 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 18678774 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 452231 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 452231 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 775116 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 775116 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 4365990 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 4502494 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING EXP |
| IRS990/OtherExpensesGrp/Desc | 1 | PROFESSIONAL & OUTSIDE SE |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 3 | MISC OPERATION EXP |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 92994 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 1025219 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 836949 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 923453 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 51066 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1025219 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 929943 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 923453 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 51066 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 87286430 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 101176215 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 310563 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 2795067 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 3105630 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 58988256 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 65959269 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 271570 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 307672 |
| 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 | 3774707 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1331763 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 1219278 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3774707 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1331763 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 1219278 |
| 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 | 763845 |
| IRS990/PYOtherExpensesAmt | 0 | 4636112 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 6943371 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 81850 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2989254 |
| IRS990/PYTotalExpensesAmt | 0 | 7625366 |
| IRS990/PYTotalRevenueAmt | 0 | 7707216 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -903162 |
| 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 | 11785493 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 17684940 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2546045 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 3823629 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 6369674 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 107430 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2275013 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2382443 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 12567757 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 5221480 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 4794876 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 1489545 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | INVESTMENTS 1-3 YEARS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | INVESTMENTS 3-5 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 | 101176215 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARES |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 4887674 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 24073658 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 101176215 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 144959 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 5137 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | JOY WATTS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/ CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 150096 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 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/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 106297179 |
| IRS990/TotalAssetsEOYAmt | 0 | 120071180 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 106297179 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 120071180 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 63 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 403557 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 7482784 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 7886341 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 87343641 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 101392406 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 87343641 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 101392406 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 18953538 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 18678774 |
| IRS990/TotalOtherCompensationAmt | 0 | 5137 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 6325748 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 144959 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6983179 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 6983179 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 106297179 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 120071180 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| 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 | 2022-09-23 18:48:47Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JOY WATTS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT/ CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7043923418 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2021-05-13 |
| 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/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 | 2021-05-13 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JANET M PIERCE |
| ReturnHeader/ReturnTs | 0 | 2021-05-14T12:35:25-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | JOY |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | WATTS |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2020-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2020-12-31 |
| ReturnHeader/TaxYr | 0 | 2020 |
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Displayed year
2020 • Form 990Detailed filing. Detailed filing data is available for this year.
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