Liabilities / Assets
14th percentile
Higher debt load relative to assets than 14% of similar nonprofits.
990 • Fiscal year 2021 • EIN 56-0634448
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
33rd percentile
Higher debt load relative to revenue than 33% of similar nonprofits.
Net Margin
28th percentile
Higher net margin than 28% of similar nonprofits.
Top Officer Pay
45th percentile
Higher top officer pay than 45% of similar nonprofits.
Top officer pay equals 7.5% of source-year revenue.
Asset Growth
5th percentile
Faster asset growth than 5% of similar nonprofits.
Revenue Growth
69th percentile
Faster revenue growth than 69% of similar nonprofits.
Assets
Down$31,510,523
Down $525,289 (-1.6%) from 2020
Net Assets
Down$5,894,000
Down $31,000 (-0.5%) from 2020
Liabilities
Down$25,616,523
Down $494,289 (-1.9%) from 2020
Revenue
Up$1,276,041
Up $15,263 (+1.2%) from 2020
Expenses
Down$1,240,210
Down $9,568 (-0.8%) from 2020
Net Income
Up$35,831
Up $24,831 (+226%) from 2020
Programs of credit unions which offer a wide variety of personal financial services exclusively to their members.
Providing low cost loans financial services to members
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $15,922,418 | $16,058,525 | ▲ $136,107 |
| Savings and Temporary Cash Investments | $12,709,785 | $10,336,013 | ▼ $2,373,772 |
| Rtn Earn Endowment Incm Other Fnds | $5,925,000 | $5,894,000 | ▼ $31,000 |
| Cash and Non-Interest-Bearing Accounts | $2,191,538 | $2,473,222 | ▲ $281,684 |
| Land, Buildings, and Equipment, Net | $610,017 | $1,983,215 | ▲ $1,373,198 |
| Investments Program Related | $501,522 | $546,063 | ▲ $44,541 |
| Prepaid Expenses and Deferred Charges | $77,346 | $94,129 | ▲ $16,783 |
| Accounts Receivable | $23,186 | $19,356 | ▼ $3,830 |
| Total Assets | $32,035,812 | $31,510,523 | ▼ $525,289 |
| Liabilities | |||
| Other Liabilities | $25,875,224 | $25,293,685 | ▼ $581,539 |
| Accounts Payable and Accrued Expenses | $235,588 | $322,838 | ▲ $87,250 |
| Total Liabilities | $26,110,812 | $25,616,523 | ▼ $494,289 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,925,000 | $5,894,000 | ▼ $31,000 |
| Total Liabilities and Net Assets / Fund Balance | $32,035,812 | $31,510,523 | ▼ $525,289 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Investment Program Related Org | $35,387 | - | - |
| Other Land Buildings | $1,478,091 | - | - |
| Land | $475,000 | - | - |
| Equipment | $30,124 | $274,528 | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Charles Lowe | CEO | FT | $96,251 | $96,251 |
| Name | Title |
|---|---|
| Benjamin Davis | Director |
| Dawn Manley | Director |
| Joel Zielazienski | Director |
| Kevin Sell | Director |
| Larry Pettis | Director |
| Linda Seawell | Director |
| Lisa Mccarter | Director |
| Michael Dyches | Director |
| Milton Henderson | Director |
| Moses Young | Director |
| Randy Bost | Director |
| Ricky Simpson | Director |
| Trudy Wike | Director |
| Virgina Parker | Director |
| Yvonne Darnell | Director |
| Line Item | Amount |
|---|---|
| Other Expenses | $716,215 |
| Salaries, Compensation, and Employee Benefits | $523,995 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $409,120 |
| Other Salaries and Wages | - | - | - | $321,968 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $96,251 |
| Fees for Services Accounting | - | - | - | $93,768 |
| Other Employee Benefits | - | - | - | $58,976 |
| Interest | - | - | - | $50,430 |
| Other Expenses | - | - | - | $46,629 |
| Payroll Taxes | - | - | - | $35,187 |
| Fees for Services Other | - | - | - | $26,514 |
| Occupancy | - | - | - | $26,043 |
| Insurance | - | - | - | $25,438 |
| Advertising | - | - | - | $19,349 |
| Pension Plan Contributions | - | - | - | $11,613 |
| Depreciation Depletion | - | - | - | $9,739 |
| Travel | - | - | - | $4,424 |
| All Other Expenses | - | - | - | $823 |
| Fees for Services Legal | - | - | - | $664 |
| Total Functional Expenses | $0 | $0 | $0 | $1,240,210 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Deposits | $25,293,685 |
“credit union is made up of members”
“members elect board of directors”
“each member has an equal vote”
“CEO & COO review Form 990 and make copies available to the Board”
“persons with conflicts are prohibited from votes & discussions”
“Industry salary surveys are used to set salaries”
“Financial statements are posted in lobby as required by regulations”
“Other items are available by request”
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 | 235588 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 322838 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 23186 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 19356 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | PROVIDING LOW COST LOANS FINANCIAL SERVICES TO MEMBERS |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 19349 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 823 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | CHARLES LOWE |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7045230075 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 4301 YANCEY ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | CHARLOTTE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NC |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 28217 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2191538 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2473222 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 96251 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| 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 | 47493 |
| IRS990/CYOtherExpensesAmt | 0 | 716215 |
| IRS990/CYOtherRevenueAmt | 0 | 241882 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 986666 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 35831 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 523995 |
| IRS990/CYTotalExpensesAmt | 0 | 1240210 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1276041 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 9739 |
| IRS990/Desc | 0 | Providing low cost financial services to members |
| 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 | 12 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/ExcsTaxSect4951Or4952Or4953Ind | 0 | false |
| IRS990/ExpenseAmt | 0 | 1240210 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 93768 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 664 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 26514 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| 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/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 11 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 12 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 13 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 14 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | 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/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | CHARLES LOWE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | MICHAEL DYCHES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | VIRGINA PARKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | TRUDY WIKE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | LARRY PETTIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | LISA MCCARTER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | RANDY BOST |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | DAWN MANLEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | YVONNE DARNELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | KEVIN SELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | LINDA SEAWELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | MOSES YOUNG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | MILTON HENDERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | JOEL ZIELAZIENSKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | RICKY SIMPSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | BENJAMIN DAVIS |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 96251 |
| 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/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 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/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1954 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 15 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 1276041 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 15 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 25438 |
| IRS990/InterestGrp/TotalAmt | 0 | 50430 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 47493 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 47493 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 501522 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 546063 |
| IRS990/IRPDocumentCnt | 0 | 425 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 274528 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 610017 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1983215 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2257743 |
| IRS990/LegalDomicileStateCd | 0 | NC |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LobbyingActivitiesInd | 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/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 49019 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 49019 |
| IRS990/MissionDesc | 0 | Programs of credit unions which offer a wide variety of personal financial services exclusively to their members |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 5925000 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 5894000 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 26043 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 409120 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 58976 |
| IRS990/OtherExpensesGrp/Desc | 0 | REGUALTORY |
| IRS990/OtherExpensesGrp/Desc | 1 | ASSOCIATION DUES |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | -4800 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 8074 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 46629 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 25875224 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 25293685 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | VIZO MCA RECOVERY |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 192863 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 192863 |
| IRS990/OtherRevenueTotalAmt | 0 | 241882 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 321968 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 15922418 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 16058525 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 35187 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 11613 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 77346 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 94129 |
| IRS990/PrincipalOfficerNm | 0 | CHARLES LOWE |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 900099 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522210 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | INSURANCE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | CARD INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 759353 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 65444 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 27436 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 128381 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 759353 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 65444 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 33488 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 128381 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 6052 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 93345 |
| IRS990/PYOtherExpensesAmt | 0 | 712032 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1167433 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 11000 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 537746 |
| IRS990/PYTotalExpensesAmt | 0 | 1249778 |
| IRS990/PYTotalRevenueAmt | 0 | 1260778 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 35831 |
| 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 | false |
| IRS990/RevenueAmt | 0 | 1276041 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 5925000 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5894000 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 12709785 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 10336013 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | false |
| IRS990ScheduleD/DisclosedForCharitablePrpsInd | 0 | false |
| IRS990ScheduleD/DisclosedOrgLegCtrlInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 30124 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 274528 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 304652 |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | false |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 235683 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 251960 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 23033 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 35387 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | VIZO PCC |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | NCUSIF DEPOSIT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | VOL CORP PCC |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 3 | CUSO |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 475000 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 475000 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 1478091 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 1478091 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 25293685 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/Section170hRqrStsfdInd | 0 | false |
| IRS990ScheduleD/SolicitedAssetsSaleInd | 0 | false |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1983215 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 546063 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 25293685 |
| IRS990ScheduleD/WrittenPolicyMonitoringInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | credit union is made up of members |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | members elect board of directors |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | each member has an equal vote |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | CEO & COO review Form 990 and make copies available to the Board |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | persons with conflicts are prohibited from votes & discussions |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Industry salary surveys are used to set salaries |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Financial statements are posted in lobby as required by regulations |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Other items are available by request |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part VI Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Part VI Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Part VI Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Part VI Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Part VI Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Part VI Line 15a or b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Part VI Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | 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 | 32035812 |
| IRS990/TotalAssetsEOYAmt | 0 | 31510523 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 32035812 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 31510523 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 12 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1240210 |
| IRS990/TotalGrossUBIAmt | 0 | 6052 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 26110812 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 25616523 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 26110812 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 25616523 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 5925000 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 5894000 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1240210 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 986666 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 96251 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1269989 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1276041 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 6052 |
| IRS990/TotalVolunteersCnt | 0 | 15 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 32035812 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 31510523 |
| IRS990/TravelGrp/TotalAmt | 0 | 4424 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 4301 YANCEY ROAD |
| IRS990/USAddress/CityNm | 0 | CHARLOTTE |
| IRS990/USAddress/StateAbbreviationCd | 0 | NC |
| IRS990/USAddress/ZIPCd | 0 | 28217 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 15 |
| IRS990/VotingMembersIndependentCnt | 0 | 15 |
| IRS990/WebsiteAddressTxt | 0 | www.blueflamecu.org |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd | 0 | IAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2022-09-23 18:48:47Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | CHARLES LOWE |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7045230075 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2022-04-12 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | BLUE FLAME CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | BLUE |
| ReturnHeader/Filer/EIN | 0 | 560634448 |
| ReturnHeader/Filer/InCareOfNm | 0 | % CHARLES LOWE |
| ReturnHeader/Filer/PhoneNum | 0 | 7045230075 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 4301 YANCEY ROAD |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CHARLOTTE |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | NC |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2021 • Form 990Detailed filing. Detailed filing data is available for this year.
Similar nonprofits based on the same Siviq industry and scale cohort. 2021 filings • 501(c)14 • $25M-$50M nonprofits
Buffalo, NY
View Organization501(c)14
Revenue vs current organization
17% lowerAssets vs current organization
About the sameAlpena, MI
View Organization501(c)14
Revenue vs current organization
21% lowerAssets vs current organization
About the sameNashville, TN
View Organization501(c)14
Revenue vs current organization
About the sameAssets vs current organization
About the sameWinstonsalem, NC
View Organization501(c)14
Revenue vs current organization
About the sameAssets vs current organization
About the same