Civic Intelligence

State Chartered Credit Unions in North Carolina

EIN 56-0664030 • 501(c)14 • Goldsboro, NC

View Organization Page

Profile

To 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.

201 Eash Ash StreetGoldsboro, NC 27530

www.fcpcu.com

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

31st percentile

13.61x

Higher debt load relative to revenue than 31% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Net Margin

20th percentile

-1.9%

Higher net margin than 20% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

78th percentile

$158,622

Higher top officer pay than 78% of similar nonprofits.

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

501(c)14 • $25M-$50M nonprofits • Source year 2025

Asset Growth

8th percentile

-9.3%

Faster asset growth than 8% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

20th percentile

0.4%

Faster revenue growth than 20% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Down

$32,811,976

Down $445,255 (-1.3%) from 2022

Liabilities

Down

$29,751,453

Down $532,054 (-1.8%) from 2022

Net Assets

Up

$3,060,523

Up $86,799 (+2.9%) from 2022

Operations
Liabilities / Revenue31st percentileNet Margin20th percentile

Revenue

Up

$1,834,411

Up $315,446 (+21%) from 2022

Expenses

Up

$1,697,492

Up $504,495 (+42%) from 2022

Net Income

Down

$136,919

Down $189,049 (-58%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth8th percentile

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

$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

2023

Assets$32,811,976
Liabilities$29,751,453
Net Assets$3,060,523
Open 2023 Filing

Operations Trend

Revenue Growth20th percentile

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

2023

Revenue$1,834,411
Expenses$1,697,492
Net Income$136,919
Open 2023 Filing

Filings

Most recent year

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

Open filing
Assets
$32,811,976
Liabilities
$29,751,453
Net assets
$3,060,523
Revenue
$1,834,411
Expenses
$1,697,492
Net income
$136,919
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
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Apr 17, 2023
Return Version
2022v5.0
Gross Receipts
$1,518,965
Mission and Program Overview

Mission

Providing low cost loans and financial services exclusively to members

Providing low cost loans and financial services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,527,590$22,692,219▲ $1,164,629
Savings and Temporary Cash Investments$9,213,327$4,641,321▼ $4,572,006
Investments Other Securities-$3,890,768-
Rtn Earn Endowment Incm Other Fnds$2,819,492$2,973,724▲ $154,232
Land, Buildings, and Equipment, Net$741,275$731,323▼ $9,952
Cash and Non-Interest-Bearing Accounts$676,303$556,652▼ $119,651
Investments Program Related$461,414$460,858▼ $556
Prepaid Expenses and Deferred Charges$119,601$119,806▲ $205
Accounts Receivable$46,842$59,747▲ $12,905
Total Assets$32,786,352$33,257,231▲ $470,879
Other Assets Total-$104,537-
Liabilities
Other Liabilities$29,644,101$29,971,197▲ $327,096
Accounts Payable and Accrued Expenses$262,444$290,347▲ $27,903
Escrow Account Liability$60,315$21,963▼ $38,352
Total Liabilities$29,966,860$30,283,507▲ $316,647
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,819,492$2,973,724▲ $154,232
Total Liabilities and Net Assets / Fund Balance$32,786,352$33,257,231▲ $470,879

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$288,369--
Buildings$585,221$330,172-
Other Land Buildings$17,440$216,001-
Land$125,000--
Equipment$3,662$141,962-
Leasehold Improvements-$58,055-
Other Assets Org$104,537--
Other Securities$3,890,768--
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Crystal GrantCEOFT$102,772$102,772

Board Members and Trustees

NameTitle
Angela M HucksDirector
Douglas MckeelDirector
Hailey C KirbyDirector
James C FarfourDirector
Larose BrockDirector
Mark H MccaryDirector
Peggy DanielsDirector
Stacey R JonesDirector
Willie Parks JrDirctor
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,338,906
Investment Income
$146,197
Other Revenue
$33,862
Change in Net Assets
$325,968
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$613,891
Salaries, Compensation, and Employee Benefits$579,106
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$359,733--$359,733
Fees for Services Other$238,911--$238,911
Office Expenses$133,003--$133,003
Current Officers, Directors, Trustees, and Key Employees$102,772--$102,772
Other Employee Benefits$83,570--$83,570
Interest$78,831--$78,831
Fees for Services Accounting$65,447--$65,447
Occupancy$46,857--$46,857
Depreciation Depletion$40,444--$40,444
Payroll Taxes$33,031--$33,031
Insurance$28,264--$28,264
All Other Expenses$7,261--$7,261
Advertising$4,537--$4,537
Conferences and Meetings$3,342--$3,342
Travel$1,571--$1,571
Other Expenses$-55,526--$-55,526
Total Functional Expenses$1,192,997$0$0$1,192,997
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$29,971,197
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
No
Management duties delegated
No

Governance Explanations

Part VI Line 1A

“NO DIFFERENCES”

Part VI Line 6

“Credit unions are made up of members”

Part VI Line 7A

“Members have an equal vote in electing directors”

Part VI Line 11B

“Ceo reviews form and makes copies available to directors”

Part VI Line 12C

“Directors with conflicts are excused from discussions & voting”

Part VI Line 15A or B

“Industry salary surveys are used by board for salaries”

Part VI Line 19

“Items are avialable by request if required”

Part VI Line 19

“Financial statements are posted in lobby”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in North Carolina
EIN
56-0664030
In Care Of
% CRYSTAL R GRANT
Phone
9197360885
Address
201 EASH ASH STREET, GOLDSBORO, NC 27530
Doing Business As
FIRST CAROLINA PEOPLE'S CREDIT UNION

Signing Officer

Name
Crystal R Grant
Title
CEO
Phone
9197360885
Signed
2023-04-17

Organization Details

Principal Officer
Crystal Grant
Formed
1950
Legal Domicile
Nc
Voting Board Members
9
Independent Board Members
9
Employees
10
Volunteers
9
Supplemental Narrative

Additional Explanations

Part IX Line 11G

“PROFESSIONAL AND OUTSIDE Total expenses - $238911.00 Program service expenses - $238911.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Raw XML AppendixShowing 400 of 422 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/OtherExpensesGrp/ProgramServicesAmt2-55526
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO DIFFERENCES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNIONS ARE MADE UP OF MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS HAVE AN EQUAL VOTE IN ELECTING DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO REVIEWS FORM AND MAKES COPIES AVAILABLE TO DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DIRECTORS WITH CONFLICTS ARE EXCUSED FROM DISCUSSIONS & VOTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INDUSTRY SALARY SURVEYS ARE USED BY BOARD FOR SALARIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ITEMS ARE AVIALABLE BY REQUEST IF REQUIRED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN LOBBY
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IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0GOLDSBORO
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02023-04-26 12:10:37Z

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