Civic Intelligence

State Chartered Credit Unions in North Carolina

EIN 56-0602721 • 501(c)14 • Charlotte, NC

View Organization Page

Profile

LOANS TO MEMBERS

3601 Mulberry Church RoadCharlotte, NC 28208

www.cpcuonline.com

Siviq Scores

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

Liabilities / Assets

18th percentile

0.85x

Higher debt load relative to assets than 18% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

33rd percentile

13.56x

Higher debt load relative to revenue than 33% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

12th percentile

1.6%

Higher net margin than 12% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

13th percentile

$151,835

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

25th percentile

-0.2%

Faster asset growth than 25% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

15th percentile

3.7%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$120,556,862

Down $3,474,029 (-2.8%) from 2022

Liabilities

Down

$103,422,382

Down $3,816,219 (-3.6%) from 2022

Net Assets

Up

$17,134,480

Up $342,190 (+2.0%) from 2022

Operations
Liabilities / Revenue33rd percentileNet Margin12th percentile

Revenue

Up

$7,295,637

Up $202,193 (+2.9%) from 2022

Expenses

Up

$7,115,677

Up $1,202,031 (+20%) from 2022

Net Income

Down

$179,960

Down $999,838 (-85%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$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

2023

Assets$120,556,862
Liabilities$103,422,382
Net Assets$17,134,480
Open 2023 Filing

Operations Trend

Revenue Growth15th percentile

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

2023

Revenue$7,295,637
Expenses$7,115,677
Net Income$179,960
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$120,556,862
Liabilities
$103,422,382
Net assets
$17,134,480
Revenue
$7,295,637
Expenses
$7,115,677
Net income
$179,960
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
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2018 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 15, 2019
Return Version
2018v3.1
Gross Receipts
$7,923,824
Mission and Program Overview

Mission

LOANS TO MEMBERS

Balance Sheet Detail
LineBeginningEndChange
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 Categories

AssetBook ValueDepreciationBasis
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--
Compensation and Service Providers
Top Officer Pay13th percentile

Employees

NameTitleBaseTotal
Joy WattsPresident/ C$138,973$138,973

Board Members and Trustees

NameTitle
Phillip KridelChairman
John GeterVice Chairma
Huyla JacksonDirector
Kim BoggansDirector
Lola BumbargerDirector
Lori KawulokDirector
Roy MontagueDirector
Diane RichSecretary
D C TrullTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Source 4Print Supplies8936 NORTHPOINT EXECUTIVE DRIVE, SUITE 100, Huntersville, NC 28078$122,863
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,232,639
Investment Income
$691,185
Other Revenue
$0
Change in Net Assets
$378,619
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
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

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
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
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
Member Shares$89,290,074
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
No
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“MEMBERS”

Form 990, Page 6, Part VI, Line 7A

“At the credit union's annual meeting, the membership elects the board of directors”

Form 990, Page 6, Part VI, Line 7B

“Board of directors and supervisory committee member are selected by the members of the credit union.”

Form 990, Page 6, Part VI, Line 11B

“The organization reviews the form 990 to ensure that there are no omissions or misstatements.”

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

“New conflict of interest agreements are signed annually. Employee handbooks cover conflict of interest policies and procedures.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors approves the president's annual salary.”

Form 990, Page 6, Part VI, Line 15B

“The president approves salaries for employees.”

Form 990, Page 6, Part VI, Line 19

“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.”

Filing and Contact Details

Filer

Filer Name
Nova Credit Union
EIN
56-0602721
Phone
7043923418
Address
3601 MULBERRY CHURCH ROAD, CHARLOTTE, NC 28208

Signing Officer

Name
Joy Watts
Title
President/ CEO
Phone
7043923418
Signed
2019-05-15

Organization Details

Principal Officer
Joy Watts
Formed
1934
Legal Domicile
Nc
Voting Board Members
9
Independent Board Members
9
Employees
67

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 Appendix383 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/AccountsPayableAccrExpnssGrp/EOYAmt0492868
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IRS990/ActivityOrMissionDesc0LOANS TO MEMBERS
IRS990/AdvertisingGrp/ProgramServicesAmt0297547
IRS990/AdvertisingGrp/TotalAmt0297547
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/AuditCommitteeInd0false
IRS990/BackupWthldComplianceInd0false
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0NOVA CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum07043923418
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03601 MULBERRY CHURCH ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0CHARLOTTE
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IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt099816
IRS990/ConferencesMeetingsGrp/TotalAmt099816
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt0SUITE 100
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0HUNTERSVILLE
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IRS990/ContractorCompensationGrp/ServicesDesc0PRINT SUPPLIES
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt07232639
IRS990/CYRevenuesLessExpensesAmt0378619
IRS990/CYSalariesCompEmpBnftPaidAmt02733359
IRS990/CYTotalExpensesAmt07545205
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07923824
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
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IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
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IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt067
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
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IRS990/Form990PartVIISectionAGrp/PersonNm1LOLA BUMBARGER
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN GETER
IRS990/Form990PartVIISectionAGrp/PersonNm3HUYLA JACKSON
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IRS990/Form990PartVIISectionAGrp/PersonNm5PHILLIP KRIDEL
IRS990/Form990PartVIISectionAGrp/PersonNm6ROY MONTAGUE
IRS990/Form990PartVIISectionAGrp/PersonNm7DIANE RICH
IRS990/Form990PartVIISectionAGrp/PersonNm8D C TRULL
IRS990/Form990PartVIISectionAGrp/PersonNm9JOY WATTS
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/ C
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IRS990/IRPDocumentCnt02191
IRS990/IRPDocumentW2GCnt00
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IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
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IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/OtherExpensesGrp/Desc1LOAN SERVISING EXP
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3MISC OPERATION EXP
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt099840
IRS990/OtherExpensesGrp/ProgramServicesAmt0898555
IRS990/OtherExpensesGrp/ProgramServicesAmt1872587
IRS990/OtherExpensesGrp/ProgramServicesAmt2811327
IRS990/OtherExpensesGrp/ProgramServicesAmt317615
IRS990/OtherExpensesGrp/TotalAmt0998395
IRS990/OtherExpensesGrp/TotalAmt1872587
IRS990/OtherExpensesGrp/TotalAmt2811327
IRS990/OtherExpensesGrp/TotalAmt317615
IRS990/OtherLiabilitiesGrp/BOYAmt092816232
IRS990/OtherLiabilitiesGrp/EOYAmt089290074
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0273336
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt02460023
IRS990/OtherSalariesAndWagesGrp/TotalAmt02733359
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt064316676
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt062675527
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0291449
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0216387
IRS990/PrincipalOfficerNm0JOY WATTS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04265981
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11806454
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21160204
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04265981
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11806454
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21160204
IRS990/ProgSrvcAccomActyOtherGrp/Desc0DURING 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/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0589696
IRS990/PYOtherExpensesAmt04771019
IRS990/PYProgramServiceRevenueAmt07282948
IRS990/PYRevenuesLessExpensesAmt0647204
IRS990/PYSalariesCompEmpBnftPaidAmt02454421
IRS990/PYTotalExpensesAmt07225440
IRS990/PYTotalRevenueAmt07872644
IRS990/ReconcilationRevenueExpnssAmt0378619
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011681222
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08930012
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02787644
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03521823
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06309467
IRS990ScheduleD/EquipmentGrp/BookValueAmt0161943
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02086697
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02248640
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt010594725
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt18430313
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt23750287
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3500000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS 3-5 YEARS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1INVESTMENTS 1-3 YEARS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2INVESTMENTS 5-10 YEARS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3INVESTMENTS OVER 10 YEARS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/LandGrp/BookValueAmt02234199
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02234199
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0678083
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0678083
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt089290074
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05183786
IRS990ScheduleD/TotalBookValueProgramRltdAmt023275325
IRS990ScheduleD/TotalLiabilityAmt089290074
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DURING 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/ExplanationTxt1MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT THE CREDIT UNION'S ANNUAL MEETING, THE MEMBERSHIP ELECTS THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE MEMBER ARE SELECTED BY THE MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION REVIEWS THE FORM 990 TO ENSURE THAT THERE ARE NO OMISSIONS OR MISSTATEMENTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NEW CONFLICT OF INTEREST AGREEMENTS ARE SIGNED ANNUALLY. EMPLOYEE HANDBOOKS COVER CONFLICT OF INTEREST POLICIES AND PROCEDURES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS APPROVES THE PRESIDENT'S ANNUAL SALARY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE PRESIDENT APPROVES SALARIES FOR EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8GOVERNING 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/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0111964445
IRS990/TotalAssetsEOYAmt0107745310
IRS990/TotalAssetsGrp/BOYAmt0111964445
IRS990/TotalAssetsGrp/EOYAmt0107745310
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt067
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0373176
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt07172029
IRS990/TotalFunctionalExpensesGrp/TotalAmt07545205
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt094112126
IRS990/TotalLiabilitiesEOYAmt089782942
IRS990/TotalLiabilitiesGrp/BOYAmt094112126
IRS990/TotalLiabilitiesGrp/EOYAmt089782942
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt017852319
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt017962368
IRS990/TotalProgramServiceRevenueAmt07232639
IRS990/TotalReportableCompFromOrgAmt0138973
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt07923824
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt07923824
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0111964445
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0107745310
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt017852319
IRS990/UnrestrictedNetAssetsGrp/EOYAmt017962368
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt07213 BERKSHIRE COURT
IRS990/USAddress/CityNm0DENVER
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028037
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.CPCUONLINE.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JOY WATTS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/ CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07043923418
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NOVA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0NOVA
ReturnHeader/Filer/EIN0560602721
ReturnHeader/Filer/PhoneNum07043923418
ReturnHeader/Filer/USAddress/AddressLine1Txt03601 MULBERRY CHURCH ROAD
ReturnHeader/Filer/USAddress/CityNm0CHARLOTTE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028208
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F9A6853F607C06F0F5AD43C1E6C90CE922A6342A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0AE30496A62B46D8576CB2DA285076149EB93452B
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0206.74.13.32
ReturnHeader/FilingSecurityInformation/IPDt02019-05-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm014:07:05
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0570568919
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CANTEY TILLER PIERCE & GREEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 862
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CAMDEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0SC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd029021
ReturnHeader/PreparerPersonGrp/PhoneNum08034321436
ReturnHeader/PreparerPersonGrp/PreparationDt02019-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JANET M PIERCE
ReturnHeader/ReturnTs02019-05-15T14:07:05-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

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