Civic Intelligence

Consolidated Credit Unions of Virginia

990 • Fiscal year 2013 • EIN 56-1025492

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 14, 2014

Organization ProfileN/A

View Organization Page

401 Albemarle Drive23322

(757) 382-6569

Siviq Scores

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

Liabilities / Assets

99th percentile

0.94x

Higher debt load relative to assets than 99% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

48th percentile

16.18x

Higher debt load relative to revenue than 48% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

7th percentile

-53%

Higher net margin than 7% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

65th percentile

$38,652

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 16.0% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

5th percentile

-14%

Faster asset growth than 5% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$4,156,941

Down $685,031 (-14%) from 2012

Net Assets

Down

$238,838

Down $128,307 (-35%) from 2012

Liabilities

Down

$3,918,103

Down $556,724 (-12%) from 2012

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin7th percentile

Revenue

$242,167

No earlier filing loaded for comparison.

Expenses

Up

$370,474

Up $54,510 (+17%) from 2012

Net Income

-$128,307

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth5th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,383,670Liabilities 2010: $3,912,746Net Assets 2010: $470,9242010Assets 2011: $4,712,409Liabilities 2011: $4,305,839Net Assets 2011: $406,5702011Assets 2012: $4,841,972Liabilities 2012: $4,474,827Net Assets 2012: $367,1452012Assets 2013: $4,156,941Liabilities 2013: $3,918,103Net Assets 2013: $238,8382013

Highlighted filing

2013

Assets$4,156,941
Liabilities$3,918,103
Net Assets$238,838
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$200K$0-$200KExpenses 2010: $294,7012010Expenses 2011: $339,2992011Expenses 2012: $315,9642012Revenue 2013: $242,167Expenses 2013: $370,474Net Income 2013: -$128,3072013

Highlighted filing

2013

Revenue$242,167
Expenses$370,474
Net Income-$128,307
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 14, 2014
Return Version
2013v3.1
Gross Receipts
$242,167
Mission and Program Overview

Mission

Credit unions are member owned financial cooperatives that provide financial services to their members in the form of checking and savings accounts, loans, and certain other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,609,829$2,322,254▼ $287,575
Other Notes and Loans Receivable, Net$2,087,599$1,725,273▼ $362,326
Rtn Earn Endowment Incm Other Fnds$367,145$238,838▼ $128,307
Cash and Non-Interest-Bearing Accounts$50,606$50,545▼ $61
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$4,841,972$4,156,941▼ $685,031
Other Assets Total$93,938$58,869▼ $35,069
Liabilities
Other Liabilities$4,466,834$3,904,367▼ $562,467
Accounts Payable and Accrued Expenses$7,993$13,736▲ $5,743
Total Liabilities$4,474,827$3,918,103▼ $556,724
Net Assets / Fund Balance
Total Net Assets Fund Balance$367,145$238,838▼ $128,307
Total Liabilities and Net Assets / Fund Balance$4,841,972$4,156,941▼ $685,031

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings-$161,682$161,682
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Diane HoltonManagerFT$38,652$38,652

Board Members and Trustees

NameTitle
Keith BrazielPresident
Ed JonesVice President
Anna RiddlehooverDirector
Emilia LonigroDirector
Gladys JonesDirector
Tammy WaltersSecretary
Carol MayoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$226,870
Investment Income
$15,297
Other Revenue
$0
Change in Net Assets
$-128,307
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$226,468
Salaries, Compensation, and Employee Benefits$144,006
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$81,397
Current Officers, Directors, Trustees, and Key Employees---$38,652
Office Expenses---$22,202
All Other Expenses---$21,792
Insurance---$11,070
Payroll Taxes---$9,653
Other Expenses---$8,284
Pension Plan Contributions---$8,072
Other Employee Benefits---$6,232
Interest---$1,444
Total Functional Expenses$0$0$0$370,474
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' DEPOSITS$3,904,367
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“No review was or will be conducted.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“All salaries are reviewed and approved by the Board of Directors.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to the public.”

Filing and Contact Details

Filer

EIN
56-1025492
Phone
7573826569

Signing Officer

Name
Diane Holton
Title
Manager
Signed
2014-08-14
Discuss with paid preparer
Yes

Organization Details

Formed
1987
Legal Domicile
Va
Voting Board Members
9
Independent Board Members
9
Employees
5
Volunteers
9

Preparer

Preparer
Donna M Cheefetz CPA
Phone
7574364577
Raw XML Appendix353 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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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/TotalLiabilitiesBOYAmt04474827
IRS990/TotalLiabilitiesEOYAmt03918103
IRS990/TotalLiabilitiesGrp/BOYAmt04474827
IRS990/TotalLiabilitiesGrp/EOYAmt03918103
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0367145
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0238838
IRS990/TotalProgramServiceRevenueAmt0226870
IRS990/TotalReportableCompFromOrgAmt038652
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0242167
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0242167
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04841972
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04156941
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DIANE HOLTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10CHESAPEAKE CITY EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CHES
ReturnHeader/Filer/EIN0561025492
ReturnHeader/Filer/PhoneNum07573826569
ReturnHeader/Filer/USAddress/AddressLine10401 ALBEMARLE DRIVE
ReturnHeader/Filer/USAddress/City0CHESAPEAKE
ReturnHeader/Filer/USAddress/State0VA
ReturnHeader/Filer/USAddress/ZIPCode023322
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Corbin & Company PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10501 Independence Parkway Suite 275
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Chesapeake
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode023320
ReturnHeader/PreparerPersonGrp/PhoneNum07574364577
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Donna M Cheefetz CPA
ReturnHeader/ReturnTs02014-08-14T06:33:36-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$4,156,941
Liabilities
$3,918,103
Net assets
$238,838
Revenue
$242,167
Expenses
$370,474
Net income
-$128,307
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$4.16$3.92$0.24$0.24$0.37$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.84$4.47$0.37$0.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.71$4.31$0.41$0.34
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.38$3.91$0.47$0.29