Civic Intelligence

State Chartered Credit Union in North

990 • Fiscal year 2014 • EIN 56-1139784

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 24, 2015

Organization ProfileWWW.ECUSTACU.COM
PO Box 910Pisgah Forest, NC 28768

(828) 884-7283

Siviq Scores

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

Liabilities / Assets

37th percentile

0.88x

Higher debt load relative to assets than 37% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

77th percentile

22.99x

Higher debt load relative to revenue than 77% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

6th percentile

-7.0%

Higher net margin than 6% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

8th percentile

$76,547

Higher top officer pay than 8% of similar nonprofits.

Top officer pay equals 3.8% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

59th percentile

3.5%

Faster asset growth than 59% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

36th percentile

-1.5%

Faster revenue growth than 36% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$52,607,351

Up $1,772,036 (+3.5%) from 2013

Net Assets

Down

$6,426,391

Down $141,395 (-2.2%) from 2013

Liabilities

Up

$46,180,960

Up $1,913,431 (+4.3%) from 2013

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin6th percentile

Revenue

Down

$2,008,832

Down $31,597 (-1.5%) from 2013

Expenses

Down

$2,149,352

Down $6,246 (-0.3%) from 2013

Net Income

Down

-$140,520

Down $25,351 (-22%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth59th percentile

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

$80M$60M$40M$20M$0Assets 2010: $50,575,467Liabilities 2010: $43,854,487Net Assets 2010: $6,720,9802010Assets 2011: $48,937,059Liabilities 2011: $42,174,720Net Assets 2011: $6,762,3392011Assets 2012: $49,743,824Liabilities 2012: $43,060,869Net Assets 2012: $6,682,9552012Assets 2013: $50,835,315Liabilities 2013: $44,267,529Net Assets 2013: $6,567,7862013Assets 2014: $52,607,351Liabilities 2014: $46,180,960Net Assets 2014: $6,426,3912014Assets 2015: $56,486,242Liabilities 2015: $50,010,395Net Assets 2015: $6,475,8472015Assets 2016: $58,628,250Liabilities 2016: $52,122,752Net Assets 2016: $6,505,4982016Assets 2017: $60,237,833Liabilities 2017: $53,767,720Net Assets 2017: $6,470,1132017Assets 2018: $62,207,511Liabilities 2018: $55,520,131Net Assets 2018: $6,687,3802018Assets 2019: $60,385,067Liabilities 2019: $53,384,126Net Assets 2019: $7,000,9412019Assets 2020: $69,627,390Liabilities 2020: $62,309,105Net Assets 2020: $7,318,2852020Assets 2021: $78,454,235Liabilities 2021: $70,749,938Net Assets 2021: $7,704,2972021Assets 2022: $79,720,628Liabilities 2022: $71,994,301Net Assets 2022: $7,726,3272022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2014

Assets$52,607,351
Liabilities$46,180,960
Net Assets$6,426,391
Open 2014 Filing

Operations Trend

Revenue Growth36th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,503,1602010Revenue 2011: $2,306,440Expenses 2011: $2,244,462Net Income 2011: $61,9782011Expenses 2012: $2,185,5932012Revenue 2013: $2,040,429Expenses 2013: $2,155,598Net Income 2013: -$115,1692013Revenue 2014: $2,008,832Expenses 2014: $2,149,352Net Income 2014: -$140,5202014Revenue 2015: $2,052,365Expenses 2015: $2,002,909Net Income 2015: $49,4562015Revenue 2016: $2,101,071Expenses 2016: $2,071,420Net Income 2016: $29,6512016Revenue 2017: $2,174,640Expenses 2017: $2,210,025Net Income 2017: -$35,3852017Revenue 2018: $2,523,595Expenses 2018: $2,306,328Net Income 2018: $217,2672018Revenue 2019: $2,796,017Expenses 2019: $2,482,456Net Income 2019: $313,5612019Revenue 2020: $2,714,002Expenses 2020: $2,396,658Net Income 2020: $317,3442020Revenue 2021: $2,874,308Expenses 2021: $2,488,296Net Income 2021: $386,0122021Revenue 2022: $3,019,459Expenses 2022: $3,071,452Net Income 2022: -$51,9932022Revenue 2023: $2,577,274Expenses 2023: $2,440,905Net Income 2023: $136,3692023

Highlighted filing

2014

Revenue$2,008,832
Expenses$2,149,352
Net Income-$140,520
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 24, 2015
Return Version
2014v5.0
Gross Receipts
$2,008,832
Mission and Program Overview

Mission

To provide financial services to its members at a reasonable rate and to be able to pay reasonable dividends on member share accounts

To provide financial services to its members at a reasonale rate and to be able to pay reasonable dividends on member share accounts

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$16,928,437$19,365,438▲ $2,437,001
Other Notes and Loans Receivable, Net$18,746,951$19,182,655▲ $435,704
Savings and Temporary Cash Investments$12,187,251$11,282,120▼ $905,131
Rtn Earn Endowment Incm Other Fnds$6,567,786$6,426,391▼ $141,395
Land, Buildings, and Equipment, Net$1,140,668$1,085,364▼ $55,304
Cash and Non-Interest-Bearing Accounts$1,144,967$1,084,438▼ $60,529
Prepaid Expenses and Deferred Charges$63,789$78,935▲ $15,146
Total Assets$50,835,315$52,607,351▲ $1,772,036
Other Assets Total$623,252$528,401▼ $94,851
Liabilities
Other Liabilities$43,778,580$45,934,584▲ $2,156,004
Accounts Payable and Accrued Expenses$488,949$246,376▼ $242,573
Total Liabilities$44,267,529$46,180,960▲ $1,913,431
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,567,786$6,426,391▼ $141,395
Total Liabilities and Net Assets / Fund Balance$50,835,315$52,607,351▲ $1,772,036

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$355,438$599,975$955,413
Equipment$186,882$426,451$613,333
Land$543,044-$543,044
Investment Program Related Org$6,843,218--
Other Assets Org$29,663--
Compensation and Service Providers
Top Officer Pay8th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Susan Holliday2074 Asheville Hwy, Brevard, Nc 28712FT$76,547$76,547

Board Members and Trustees

NameTitle
PETE D'ANGONA1055 Walnut Hollow Rd., Brevard, Nc 28712
Charles Shipman19 Brooks Rd., Drevard, Nc 28712
Devon Mccall2186 Shoal Creek Road Balsam Grove, Nc 28708
Helen Young441 Old Pole Bridge Rd., Horse Shoe, Nc 28742
Martha MccraryP.o. Box 376, Pisgah Forest, Nc 28768
Bill Bryson JrP.o. Box 461, Pisgah Forest, Nc 28768
Gary HollifieldPO Box 541 Etowah Nc 28729
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,595,673
Investment Income
$413,159
Other Revenue
$0
Change in Net Assets
$-140,520
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,351,722
Salaries, Compensation, and Employee Benefits$781,774
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$705,227
Fees for Services Other---$439,150
Office Expenses---$430,726
Interest---$137,232
Other Expenses---$100,200
Occupancy---$90,645
Advertising---$77,583
Current Officers, Directors, Trustees, and Key Employees---$76,547
Benefits to Members---$15,856
Conferences and Meetings---$7,435
Total Functional Expenses$0$0$0$2,149,352
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
Shares$45,934,584
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Ecusta Credit Union
EIN
56-1139784
Phone
8288847283
Address
PO BOX 910, PISGAH FOREST, NC 28768

Signing Officer

Name
Sherry Long
Title
CFO
Phone
8288847283
Signed
2015-04-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan Holliday
Formed
1976
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
14
Volunteers
7

Preparer

Firm
North Carolina Credit Union League
Address
323 W Jones Street Suite 200, Raleigh, NC 27603
Preparer
Ladawn Atkinson
Phone
3363140812
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“MEMBERS”

Pt VI, Line 7A

“Directors and officers elected by members”

Pt VI, Line 7B

“Decisions subject to member votes”

Pt VI, Line 11B

“Sent to cu for review and signature”

Form 990, Part IX, Line 24F

“Ncusif stabilization expense dividend expense misc operating expense”

Raw XML Appendix336 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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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST ON INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF FUND
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2FORECLOSED AND REPOSSESSED ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ALL OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt045934584
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01085364
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0528401
IRS990ScheduleD/TotalBookValueProgramRltdAmt019365438
IRS990ScheduleD/TotalLiabilityAmt045934584
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DIRECTORS AND OFFICERS ELECTED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS SUBJECT TO MEMBER VOTES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SENT TO CU FOR REVIEW AND SIGNATURE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NCUSIF STABILIZATION EXPENSE DIVIDEND EXPENSE MISC OPERATING EXPENSE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0NC
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt050835315
IRS990/TotalAssetsEOYAmt052607351
IRS990/TotalAssetsGrp/BOYAmt050835315
IRS990/TotalAssetsGrp/EOYAmt052607351
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/TotalAmt02149352
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt044267529
IRS990/TotalLiabilitiesEOYAmt046180960
IRS990/TotalLiabilitiesGrp/BOYAmt044267529
IRS990/TotalLiabilitiesGrp/EOYAmt046180960
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06567786
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06426391
IRS990/TotalProgramServiceRevenueAmt01595673
IRS990/TotalReportableCompFromOrgAmt076547
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02008832
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02008832
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt050835315
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt052607351
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 910
IRS990/USAddress/CityNm0PISGAH FOREST
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028768
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.ECUSTACU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SHERRY LONG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum08288847283
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ECUSTA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ECUS
ReturnHeader/Filer/EIN0561139784
ReturnHeader/Filer/PhoneNum08288847283
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 910
ReturnHeader/Filer/USAddress/CityNm0PISGAH FOREST
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028768
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0NORTH CAROLINA CREDIT UNION LEAGUE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0323 W Jones Street Suite 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Raleigh
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd027603
ReturnHeader/PreparerPersonGrp/PhoneNum03363140812
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LADAWN ATKINSON
ReturnHeader/ReturnTs02015-05-05T11:45:34-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$52,607,351
Liabilities
$46,180,960
Net assets
$6,426,391
Revenue
$2,008,832
Expenses
$2,149,352
Net income
-$140,520
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.58$2.44$0.14
2022Detailed filing. Detailed filing data is available for this year.$79.7$72.0$7.73$3.02$3.07$0.05
2021Detailed filing. Detailed filing data is available for this year.$78.5$70.7$7.70$2.87$2.49$0.39
2020Detailed filing. Detailed filing data is available for this year.$69.6$62.3$7.32$2.71$2.40$0.32
2019Detailed filing. Detailed filing data is available for this year.$60.4$53.4$7.00$2.80$2.48$0.31
2018Detailed filing. Detailed filing data is available for this year.$62.2$55.5$6.69$2.52$2.31$0.22
2017Detailed filing. Detailed filing data is available for this year.$60.2$53.8$6.47$2.17$2.21$0.04
2016Detailed filing. Detailed filing data is available for this year.$58.6$52.1$6.51$2.10$2.07$0.03
2015Detailed filing. Detailed filing data is available for this year.$56.5$50.0$6.48$2.05$2.00$0.05
2014Detailed filing. Detailed filing data is available for this year.$52.6$46.2$6.43$2.01$2.15$0.14
2013Detailed filing. Detailed filing data is available for this year.$50.8$44.3$6.57$2.04$2.16$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.7$43.1$6.68$2.19
2011Summary only. Only limited summary data is available for this year.$48.9$42.2$6.76$2.31$2.24$0.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.6$43.9$6.72$2.50