Civic Intelligence

Greensboro Postal Credit Union

EIN 56-0679188 • 501(c)14 • Greensboro, NC

Profile

To provide shares and loans at reasonable rates after expenses

3701 West Wendover AvenueGreensboro, NC 27495

www.gboropcu.org

Siviq Scores

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

Liabilities / Assets

13th percentile

0.70x

Higher debt load relative to assets than 13% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Liabilities / Revenue

43rd percentile

16.89x

Higher debt load relative to revenue than 43% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Net Margin

49th percentile

6.8%

Higher net margin than 49% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

5th percentile

-14%

Faster asset growth than 5% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Revenue Growth

40th percentile

4.6%

Faster revenue growth than 40% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets13th percentile

Assets

Down

$17,947,292

Down $2,977,579 (-14%) from 2022

Liabilities

Down

$12,597,932

Down $2,996,915 (-19%) from 2022

Net Assets

Up

$5,349,360

Up $19,336 (+0.4%) from 2022

Operations
Liabilities / Revenue43rd percentileNet Margin49th percentile

Revenue

Up

$746,032

Up $32,731 (+4.6%) from 2022

Expenses

Up

$695,553

Up $91,290 (+15%) from 2022

Net Income

Down

$50,479

Down $58,559 (-54%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth5th percentile

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

$30M$20M$10M$0Assets 2010: $25,826,403Liabilities 2010: $20,647,688Net Assets 2010: $5,178,7152010Assets 2011: $24,629,243Liabilities 2011: $19,460,246Net Assets 2011: $5,168,9972011Assets 2012: $24,352,886Liabilities 2012: $19,172,707Net Assets 2012: $5,180,1792012Assets 2013: $24,601,608Liabilities 2013: $19,472,369Net Assets 2013: $5,129,2392013Assets 2014: $24,064,773Liabilities 2014: $18,987,153Net Assets 2014: $5,077,6202014Assets 2015: $23,095,441Liabilities 2015: $18,032,439Net Assets 2015: $5,063,0022015Assets 2016: $23,162,983Liabilities 2016: $18,096,059Net Assets 2016: $5,066,9242016Assets 2017: $21,575,273Liabilities 2017: $16,519,303Net Assets 2017: $5,055,9702017Assets 2018: $21,808,093Liabilities 2018: $16,704,409Net Assets 2018: $5,103,6842018Assets 2019: $20,778,606Liabilities 2019: $15,616,785Net Assets 2019: $5,161,8212019Assets 2020: $21,993,833Liabilities 2020: $16,801,011Net Assets 2020: $5,192,8222020Assets 2021: $22,387,144Liabilities 2021: $17,166,158Net Assets 2021: $5,220,9862021Assets 2022: $20,924,871Liabilities 2022: $15,594,847Net Assets 2022: $5,330,0242022Assets 2023: $17,947,292Liabilities 2023: $12,597,932Net Assets 2023: $5,349,3602023

Highlighted filing

2023

Assets$17,947,292
Liabilities$12,597,932
Net Assets$5,349,360
Open 2023 Filing

Operations Trend

Revenue Growth40th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $754,3452010Expenses 2011: $649,6012011Expenses 2012: $582,0682012Revenue 2013: $534,715Expenses 2013: $585,655Net Income 2013: -$50,9402013Revenue 2014: $535,863Expenses 2014: $586,963Net Income 2014: -$51,1002014Revenue 2015: $521,331Expenses 2015: $535,949Net Income 2015: -$14,6182015Revenue 2016: $523,611Expenses 2016: $519,689Net Income 2016: $3,9222016Revenue 2017: $518,704Expenses 2017: $531,353Net Income 2017: -$12,6492017Revenue 2018: $583,033Expenses 2018: $535,319Net Income 2018: $47,7142018Revenue 2019: $635,377Expenses 2019: $577,240Net Income 2019: $58,1372019Revenue 2020: $566,416Expenses 2020: $535,415Net Income 2020: $31,0012020Revenue 2021: $674,630Expenses 2021: $574,799Net Income 2021: $99,8312021Revenue 2022: $713,301Expenses 2022: $604,263Net Income 2022: $109,0382022Revenue 2023: $746,032Expenses 2023: $695,553Net Income 2023: $50,4792023

Highlighted filing

2023

Revenue$746,032
Expenses$695,553
Net Income$50,479
Open 2023 Filing

Filings

Most recent year

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

Open filing
Assets
$17,947,292
Liabilities
$12,597,932
Net assets
$5,349,360
Revenue
$746,032
Expenses
$695,553
Net income
$50,479
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$17.9$12.6$5.35$0.75$0.70$0.05
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.9$15.6$5.33$0.71$0.60$0.11
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.4$17.2$5.22$0.67$0.57$0.10
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.0$16.8$5.19$0.57$0.54$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.8$15.6$5.16$0.64$0.58$0.06
2018Summary only. Only limited summary data is available for this year.$21.8$16.7$5.10$0.58$0.54$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.6$16.5$5.06$0.52$0.53$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.2$18.1$5.07$0.52$0.52$0.00
2015Detailed filing. Detailed filing data is available for this year.$23.1$18.0$5.06$0.52$0.54$0.01
2014Detailed filing. Detailed filing data is available for this year.$24.1$19.0$5.08$0.54$0.59$0.05
2013Detailed filing. Detailed filing data is available for this year.$24.6$19.5$5.13$0.53$0.59$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.4$19.2$5.18$0.58
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.6$19.5$5.17$0.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.8$20.6$5.18$0.75
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 14, 2023
Return Version
2022v5.0
Gross Receipts
$713,301
Mission and Program Overview

Mission

Providing credit union services to members

Providing loans and savings to members at at reasonable rates

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$17,095,396$11,966,129▼ $5,129,267
Other Notes and Loans Receivable, Net$5,015,146$8,597,478▲ $3,582,332
Rtn Earn Endowment Incm Other Fnds$5,220,986$5,330,024▲ $109,038
Investments Program Related$182,866$186,047▲ $3,181
Cash and Non-Interest-Bearing Accounts$44,989$69,310▲ $24,321
Accounts Receivable$17,537$60,750▲ $43,213
Land, Buildings, and Equipment, Net$7,294$28,928▲ $21,634
Prepaid Expenses and Deferred Charges$23,916$16,229▼ $7,687
Total Assets$22,387,144$20,924,871▼ $1,462,273
Liabilities
Other Liabilities$17,095,392$15,468,672▼ $1,626,720
Accounts Payable and Accrued Expenses$70,766$126,175▲ $55,409
Total Liabilities$17,166,158$15,594,847▼ $1,571,311
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,220,986$5,330,024▲ $109,038
Total Liabilities and Net Assets / Fund Balance$22,387,144$20,924,871▼ $1,462,273

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$16,000--
Equipment$28,928$130,538-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Pamala DouglasCEO DirectorFT$61,769$61,769

Board Members and Trustees

NameTitle
Elton HortonDirector
Gregory BrownDirector
James H McallisterDirector
Larry ShulerDirector
Luther JonesDirector
Wanda W StrachanDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$15,000
Program Service Revenue
$340,457
Investment Income
$242,261
Other Revenue
$115,583
All Other Contributions
$15,000
Change in Net Assets
$109,038

Audited Revenue Reconciliation

Revenue per Audited Statements
$713,301
Revenue Not Reported on Form 990
$54,000
Total Revenue per Audited Statements
$767,301
Total Revenue per Form 990
$713,301
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$387,587
Other Expenses$216,676
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$164,156--$164,156
Office Expenses$102,988--$102,988
Other Employee Benefits$83,248--$83,248
Payroll Taxes$78,414--$78,414
Current Officers, Directors, Trustees, and Key Employees$61,769--$61,769
Fees for Services Accounting$57,433--$57,433
Fees for Services Other$28,447--$28,447
Interest$12,665--$12,665
Insurance$11,245--$11,245
Depreciation Depletion$6,769--$6,769
Other Expenses$5,280--$5,280
Conferences and Meetings$2,674--$2,674
Advertising$2,219--$2,219
Travel$968--$968
Occupancy$300--$300
All Other Expenses$280--$280
Total Functional Expenses$604,263$0$0$604,263

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$658,263
Expenses per Audited Statements$604,263
Total Expenses per Form 990$604,263
Expenses Not Reported on Form 990$54,000
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$15,468,672
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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 6

“Organization is comprised of members”

Part VI Line 7A

“Each member has an equal vote in elections of directors”

Part VI Line 11B

“Ceo reviews form 990 and provide copies to the board”

Part VI Line 15A or B

“Credit union salary surveys are used by the board to set salaries”

Part VI Line 19

“Required items are available upon request”

Filing and Contact Details

Filer

Filer Name
Greensboro Credit Union
EIN
56-0679188
In Care Of
% PAMALA DOUGLAS
Phone
3368550662
Address
3701 WEST WENDOVER AVENUE, GREENSBORO, NC 27495

Signing Officer

Name
Pamala Douglas
Title
CEO
Phone
3368550662
Signed
2023-04-14

Organization Details

Principal Officer
Pamala Douglas
Formed
1928
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
6
Employees
9
Volunteers
10
Raw XML Appendix368 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/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0258131
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt182326
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0258131
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt182326
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0211889
IRS990/PYOtherExpensesAmt0248139
IRS990/PYOtherRevenueAmt0193806
IRS990/PYProgramServiceRevenueAmt0268935
IRS990/PYRevenuesLessExpensesAmt099831
IRS990/PYSalariesCompEmpBnftPaidAmt0326660
IRS990/PYTotalExpensesAmt0574799
IRS990/PYTotalRevenueAmt0674630
IRS990/ReconcilationRevenueExpnssAmt0109038
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0713301
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05220986
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05330024
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017095396
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011966129
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/DisclosedForCharitablePrpsInd0false
IRS990ScheduleD/DisclosedOrgLegCtrlInd0false
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt054000
IRS990ScheduleD/DonatedServicesUseFcltsAmt054000
IRS990ScheduleD/EquipmentGrp/BookValueAmt028928
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0130538
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0159466
IRS990ScheduleD/ExpensesNotReportedAmt054000
IRS990ScheduleD/ExpensesSubtotalAmt0604263
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0170047
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt116000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUSIF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1DEBIT CARD CLEARING DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015468672
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt054000
IRS990ScheduleD/RevenueSubtotalAmt0713301
IRS990ScheduleD/Section170hRqrStsfdInd0false
IRS990ScheduleD/SolicitedAssetsSaleInd0false
IRS990ScheduleD/TotalBookValueLandBuildingsAmt028928
IRS990ScheduleD/TotalBookValueProgramRltdAmt0186047
IRS990ScheduleD/TotalExpensesPerForm990Amt0604263
IRS990ScheduleD/TotalLiabilityAmt015468672
IRS990ScheduleD/TotalRevenuePerForm990Amt0713301
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0767301
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0658263
IRS990ScheduleD/WrittenPolicyMonitoringInd0false
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ORGANIZATION IS COMPRISED OF MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH MEMBER HAS AN EQUAL VOTE IN ELECTIONS OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CEO REVIEWS FORM 990 AND PROVIDE COPIES TO THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CREDIT UNION SALARY SURVEYS ARE USED BY THE BOARD TO SET SALARIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REQUIRED ITEMS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt022387144
IRS990/TotalAssetsEOYAmt020924871
IRS990/TotalAssetsGrp/BOYAmt022387144
IRS990/TotalAssetsGrp/EOYAmt020924871
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt015000
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0604263
IRS990/TotalFunctionalExpensesGrp/TotalAmt0604263
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt017166158
IRS990/TotalLiabilitiesEOYAmt015594847
IRS990/TotalLiabilitiesGrp/BOYAmt017166158
IRS990/TotalLiabilitiesGrp/EOYAmt015594847
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05220986
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05330024
IRS990/TotalProgramServiceExpensesAmt0604263
IRS990/TotalProgramServiceRevenueAmt0340457
IRS990/TotalReportableCompFromOrgAmt061769
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0698301
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0713301
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022387144
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020924871
IRS990/TravelGrp/ProgramServicesAmt0968
IRS990/TravelGrp/TotalAmt0968
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03701 WEST WENDOVER AVE
IRS990/USAddress/CityNm0GREENSBORO
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd027495
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.GSOCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/PersonNm0PAMALA DOUGLAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03368550662
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-04-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GREENSBORO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GREE
ReturnHeader/Filer/EIN0560679188
ReturnHeader/Filer/InCareOfNm0% PAMALA DOUGLAS
ReturnHeader/Filer/PhoneNum03368550662
ReturnHeader/Filer/USAddress/AddressLine1Txt03701 WEST WENDOVER AVENUE
ReturnHeader/Filer/USAddress/CityNm0GREENSBORO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd027495
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/ReturnTs02023-04-14T11:27:28-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0PAMALA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0DOUGLAS
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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