Civic Intelligence

State Chartered Credit Unions in North Carolina

990 • Fiscal year 2013 • EIN 56-0664030

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 10, 2014

Organization Profilewww.fcpcu.com

View Organization Page

201 East Ash Street27530

(919) 736-0885

Siviq Scores

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

Liabilities / Assets

69th percentile

0.89x

Higher debt load relative to assets than 69% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

49th percentile

19.67x

Higher debt load relative to revenue than 49% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

47th percentile

3.3%

Higher net margin than 47% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

67th percentile

$79,625

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 7.1% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

29th percentile

-1.1%

Faster asset growth than 29% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

56th percentile

7.6%

Faster revenue growth than 56% of similar nonprofits.

2013 filings • $10M-$25M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets69th percentile

Assets

Down

$24,529,654

Down $278,895 (-1.1%) from 2012

Net Assets

Up

$2,611,076

Up $37,058 (+1.4%) from 2012

Liabilities

Down

$21,918,578

Down $315,953 (-1.4%) from 2012

Revenue And Expenses
Liabilities / Revenue49th percentileNet Margin47th percentile

Revenue

$1,114,499

No earlier filing loaded for comparison.

Expenses

Up

$1,077,441

Up $2,071 (+0.2%) from 2012

Net Income

$37,058

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$40M$30M$20M$10M$0Assets 2010: $18,712,398Liabilities 2010: $16,524,477Net Assets 2010: $2,187,9212010Assets 2011: $19,932,190Liabilities 2011: $17,713,892Net Assets 2011: $2,218,2982011Assets 2012: $24,808,549Liabilities 2012: $22,234,531Net Assets 2012: $2,574,0182012Assets 2013: $24,529,654Liabilities 2013: $21,918,578Net Assets 2013: $2,611,0762013Assets 2014: $26,058,921Liabilities 2014: $23,407,189Net Assets 2014: $2,651,7322014Assets 2015: $28,132,154Liabilities 2015: $25,493,300Net Assets 2015: $2,638,8542015Assets 2016: $29,510,111Liabilities 2016: $26,800,590Net Assets 2016: $2,709,5212016Assets 2017: $29,729,789Liabilities 2017: $26,906,466Net Assets 2017: $2,823,3232017Assets 2018: $29,087,675Liabilities 2018: $26,367,435Net Assets 2018: $2,720,2402018Assets 2019: $28,902,487Liabilities 2019: $26,129,725Net Assets 2019: $2,772,7622019Assets 2020: $32,968,987Liabilities 2020: $30,156,958Net Assets 2020: $2,812,0292020Assets 2021: $32,786,352Liabilities 2021: $29,966,860Net Assets 2021: $2,819,4922021Assets 2022: $33,257,231Liabilities 2022: $30,283,507Net Assets 2022: $2,973,7242022Assets 2023: $32,811,976Liabilities 2023: $29,751,453Net Assets 2023: $3,060,5232023

Highlighted filing

2013

Assets$24,529,654
Liabilities$21,918,578
Net Assets$2,611,076
Open 2013 Filing

Operations Trend

Revenue Growth56th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $911,4992010Revenue 2011: $963,044Expenses 2011: $932,667Net Income 2011: $30,3772011Expenses 2012: $1,075,3702012Revenue 2013: $1,114,499Expenses 2013: $1,077,441Net Income 2013: $37,0582013Revenue 2014: $1,277,557Expenses 2014: $1,236,901Net Income 2014: $40,6562014Revenue 2015: $1,305,018Expenses 2015: $1,317,896Net Income 2015: -$12,8782015Revenue 2016: $1,331,217Expenses 2016: $1,260,550Net Income 2016: $70,6672016Revenue 2017: $1,469,422Expenses 2017: $1,355,620Net Income 2017: $113,8022017Revenue 2018: $1,605,286Expenses 2018: $1,511,538Net Income 2018: $93,7482018Revenue 2019: $1,668,919Expenses 2019: $1,616,397Net Income 2019: $52,5222019Revenue 2020: $1,523,369Expenses 2020: $1,484,102Net Income 2020: $39,2672020Revenue 2021: $1,461,169Expenses 2021: $1,453,706Net Income 2021: $7,4632021Revenue 2022: $1,518,965Expenses 2022: $1,192,997Net Income 2022: $325,9682022Revenue 2023: $1,834,411Expenses 2023: $1,697,492Net Income 2023: $136,9192023

Highlighted filing

2013

Revenue$1,114,499
Expenses$1,077,441
Net Income$37,058
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 10, 2014
Return Version
2013v3.0
Gross Receipts
$1,179,033
Mission and Program Overview

Mission

Providing low cost loans and financial services exclusively to members

First carolina people's credit union is a "not for profit" credit union that prides itself on serving its members. The credit union was founded on the principles of helping its members and providing a member-owned institution.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$17,506,398$19,269,280▲ $1,762,882
Savings and Temporary Cash Investments$4,829,542$2,851,376▼ $1,978,166
Rtn Earn Endowment Incm Other Fnds$2,574,018$2,611,076▲ $37,058
Land, Buildings, and Equipment, Net$888,397$871,521▼ $16,876
Receivables From Officers Etc$686,502$694,123▲ $7,621
Cash and Non-Interest-Bearing Accounts$506,971$460,790▼ $46,181
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0--
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0--
Investments Program Related$0--
Investments in Publicly Traded Securities$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0--
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$24,808,549$24,529,654▼ $278,895
Other Assets Total$390,739$382,564▼ $8,175
Liabilities
Other Liabilities$22,135,522$21,874,365▼ $261,157
Accounts Payable and Accrued Expenses$99,009$44,213▼ $54,796
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$22,234,531$21,918,578▼ $315,953
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,574,018$2,611,076▲ $37,058
Total Liabilities and Net Assets / Fund Balance$24,808,549$24,529,654▼ $278,895

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$586,044$48,640$634,684
Equipment$43,204$258,592$301,796
Buildings$117,273$8,377$125,650
Land$125,000-$125,000
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Crystal W GrantCEO ManagerFT$63,700$15,925$79,625

Board Members and Trustees

NameTitle
Daryl AndersonPresident
Mark H MccaryVice President
Donnie WiltshireBoard Member
James C FarfourBoard Member
John D GarrisBoard Member
Kenneth R DeansBoard Member
Maria LuoniBoard Member
Willie Parks JrBoard Member
R Douglas MoodySecretary Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,088,216
Investment Income
$26,283
Other Revenue
$0
Change in Net Assets
$37,058
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$608,264
Salaries, Compensation, and Employee Benefits$419,862
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$244,166$0$0$244,166
Interest$187,258$0$0$187,258
Fees for Services Other$126,412$0$0$126,412
Other Employee Benefits$59,617$12,740$0$72,357
Current Officers, Directors, Trustees, and Key Employees$0$63,700$0$63,700
Benefits to Members$49,315--$49,315
Office Expenses$47,951$0$0$47,951
Information Technology$45,647$0$0$45,647
Depreciation Depletion$43,337$0$0$43,337
Occupancy$31,833$0$0$31,833
Payroll Taxes$21,072$4,635$0$25,707
Insurance$21,444$0$0$21,444
Pension Plan Contributions$10,747$3,185$0$13,932
Conferences and Meetings$10,481$2,482$0$12,963
All Other Expenses$12,005$0$0$12,005
Other Expenses$7,262$0$0$7,262
Fees for Services Accounting$6,852$0$0$6,852
Travel$0$3,242$0$3,242
Advertising$703$0$0$703
Total Functional Expenses$987,457$89,984$0$1,077,441
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$686,502$694,123▲ $7,621
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Savings$10,835,973
Member Share Certificates$6,234,452
Ira Accounts$3,184,447
Member Share Draft Accounts$1,618,380
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“First carolina people's credit union has members from a designated field of membership as approved by its bylaws.”

Form 990, Part VI, Section A, Line 7A

“The board of directors are elected by vote at the annual members' meeting.”

Form 990, Part VI, Section A, Line 8B

“No committee has been appointed with authority to act on behalf of the board of directors.”

Form 990, Part VI, Section B, Line 11B

“The 990 is reviewed by the manager and the board of directors at the regular monthly board meeting and is retained as a part of the board minutes.”

Form 990, Part VI, Section B, Line 12C

“First carolina people's credit union does have a written conflict of interest policy. Officers, directors and employees are required to disclose any conflict of interest. Semi-annual reviews are made by the state examiners and independent auditors hired by the credit union.”

Form 990, Part VI, Section B, Line 15

“The salary of the ceo (manager) is reviewed annually by the board of directors using externally compiled salary data for comparable positions and is recorded in the minutes of the board.”

Form 990, Part VI, Section C, Line 19

“Copies of all governing documents and the conflict of interest policy are kept at the main office and are available for review upon request. The financial statements are posted in the lobby.”

Form 990, Part VII, Section B, Line 1(A)

“There are no independent contractors that receive more than $100,000.00 in compensation from the credit union.”

Form 990, Part VIII, Line 7A

“Sale of foreclosed house property: sold for $60,000.00, insurance claim filed for $386.18, and refund of property insurance for $453.00. Total: $60,839.18.”

Form 990, Part VIII, Line 7B

“Sale of foreclosed house property: loan payoff of house $49,588.69, legal fees $3,845.21, repairs to house $6,900.00 and cleaning fees for property $4,200.00. Total: $64,533.90.”

Filing and Contact Details

Filer

EIN
56-0664030
Phone
9197360885

Signing Officer

Name
Sharon Barnes
Title
Compliance Officer
Phone
9197360885
Signed
2014-04-10

Organization Details

Principal Officer
Crystal W Grant
Formed
1950
Legal Domicile
Nc
Voting Board Members
9
Independent Board Members
9
Employees
13
Volunteers
13
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 3

“The credit union has stopped providing life savings insurance to its members. Cuna mutual insurance company discontinued this program.”

Form 990, Part IX, Line 4

“Benefits paid to or for members: life savings insurance: $30,297. Collection expense: $140. Credit reports: $6,252. Visa expense: $12,626. Total: $49,315.”

Form 990, Part IX, Line 11G

“Other: share draft services: $6,256. Shared branch expense: $13,052. Ira services: $1,920. Audio services: $3,000. Atm expense: $91,917. Internet branch expense: $10,267. Total: $126,412.”

Form 990, Part IX, Line 13

“Office expense: communications: $10,115. Equipment leasing: $1,025. Maintenance of furniture & equipment: $1,763. Stationery & supplies: $15,450. Postage: $11,152. Brinks: $1,429. Bank service charges: $6,556. Visa gift card supply expense: $461. Total: $47,951.”

Form 990, Part IX, Line 24E

“Exam & supervisory fees: $5,451. Cash over & short: $67. Miscellaneous expense: $6,487. Total: $12,005.”

Form 990, Part X, Line 15

“Other assets: ncusif deposit: $217,528. Share draft posting suspense: $4,155. Fidm receivable: $250. Prepaid expenses: $61,160. Accrued interest on loans: $43,900. Accrued income from investments: $1,185. Asset acquired in liquidation of loan: $54,393. Fis/certegy suspense account: ($7) total: $382,564.”

Raw XML AppendixShowing 400 of 609 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Desc0TOTAL NUMBER OF MEMBERS: 2,322 TOTAL NUMBER OF LOANS: 1,019 TOTAL LOANS: $20,074,626. TOTAL NUMBER OF SHARE ACCOUNTS (INCLUDING DRAFTS, IRAS, AND CERTIFICATES) 3,542 TOTAL SHARE ACCOUNTS: $21,873,252. THE INCOME FROM LOANS AND INVESTMENTS FACILITATES THE CREDIT UNION'S ABILITY TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS AT A REASONABLE RATE, AND TO PAY REASONABLE DIVIDENDS ON THEIR DEPOSITS.
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IRS990/Form990PartVIISectionAGrp/PersonNm1MARK H MCCARY
IRS990/Form990PartVIISectionAGrp/PersonNm2R DOUGLAS MOODY
IRS990/Form990PartVIISectionAGrp/PersonNm3JAMES C FARFOUR
IRS990/Form990PartVIISectionAGrp/PersonNm4JOHN D GARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm5KENNETH R DEANS
IRS990/Form990PartVIISectionAGrp/PersonNm6WILLIE PARKS JR
IRS990/Form990PartVIISectionAGrp/PersonNm7MARIA LUONI
IRS990/Form990PartVIISectionAGrp/PersonNm8DONNIE WILTSHIRE
IRS990/Form990PartVIISectionAGrp/PersonNm9CRYSTAL W GRANT
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt963700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01950
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-3695
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt060839
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt01179033
IRS990/GroupExemptionNum02032
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIIIInd0X
IRS990/InfoInScheduleOPartVIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt045647
IRS990/InformationTechnologyGrp/TotalAmt045647
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt021444
IRS990/InsuranceGrp/TotalAmt021444
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0187258
IRS990/InterestGrp/TotalAmt0187258
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt029978
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt029978
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/IRPDocumentCnt0937
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0315609
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0888397
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0871521
IRS990/LandBldgEquipCostOrOtherBssAmt01187130
IRS990/LegalDomicileStateCd0NC
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt064534
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE LOANS AT REASONABLE RATES AND SERVICES TO MEMBERS WHILE PAYING REASONABLE DIVIDEND RATES ON MEMBER INVESTMENTS. MISSION STATEMENT: NOT FOR PROFIT-NOT FOR CHARITY-BUT FOR SERVICE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt02574018
IRS990/NetAssetsOrFundBalancesEOYAmt02611076
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-3695
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-3695
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt031833
IRS990/OccupancyGrp/TotalAmt031833
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt047951
IRS990/OfficeExpensesGrp/TotalAmt047951
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0390739
IRS990/OtherAssetsTotalGrp/EOYAmt0382564
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt012740
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt059617
IRS990/OtherEmployeeBenefitsGrp/TotalAmt072357
IRS990/OtherExpensesGrp/Desc0ASSOCIATION DUES/SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc1EDUCATIONAL/PROMOTIONAL EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc3SHARE INSURANCE
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt07844
IRS990/OtherExpensesGrp/ProgramServicesAmt18140
IRS990/OtherExpensesGrp/ProgramServicesAmt245371
IRS990/OtherExpensesGrp/ProgramServicesAmt37262
IRS990/OtherExpensesGrp/TotalAmt07844
IRS990/OtherExpensesGrp/TotalAmt18140
IRS990/OtherExpensesGrp/TotalAmt245371
IRS990/OtherExpensesGrp/TotalAmt37262
IRS990/OtherLiabilitiesGrp/BOYAmt022135522
IRS990/OtherLiabilitiesGrp/EOYAmt021874365
IRS990/OtherOrganizationDsc0COOPERATIVE
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0244166
IRS990/OtherSalariesAndWagesGrp/TotalAmt0244166
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04635
IRS990/PayrollTaxesGrp/ProgramServicesAmt021072
IRS990/PayrollTaxesGrp/TotalAmt025707
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt03185
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt010747
IRS990/PensionPlanContributionsGrp/TotalAmt013932
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0CRYSTAL W GRANT
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/BusinessCd4522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc25TH 3RD INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3SHARED BRANCH INCOME
IRS990/ProgramServiceRevenueGrp/Desc4MISC. OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0945796
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt151627
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt248000
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt322234
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt420559
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0945796
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt151627
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt248000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt322234

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,529,654
Liabilities
$21,918,578
Net assets
$2,611,076
Revenue
$1,114,499
Expenses
$1,077,441
Net income
$37,058
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$32.8$29.8$3.06$1.83$1.70$0.14
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.3$30.3$2.97$1.52$1.19$0.33
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.8$30.0$2.82$1.46$1.45$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.0$30.2$2.81$1.52$1.48$0.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.9$26.1$2.77$1.67$1.62$0.05
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.1$26.4$2.72$1.61$1.51$0.09
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.7$26.9$2.82$1.47$1.36$0.11
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.5$26.8$2.71$1.33$1.26$0.07
2015Detailed filing. Detailed filing data is available for this year.$28.1$25.5$2.64$1.31$1.32$0.01
2014Detailed filing. Detailed filing data is available for this year.$26.1$23.4$2.65$1.28$1.24$0.04
2013Detailed filing. Detailed filing data is available for this year.$24.5$21.9$2.61$1.11$1.08$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.8$22.2$2.57$1.08
2011Summary only. Only limited summary data is available for this year.$19.9$17.7$2.22$0.96$0.93$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.7$16.5$2.19$0.91
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $10M-$25M nonprofits