Civic Intelligence

State Chartered Credit Union in North

990 • Fiscal year 2016 • EIN 56-1139784

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 18, 2017

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

52nd percentile

0.89x

Higher debt load relative to assets than 52% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

84th percentile

24.81x

Higher debt load relative to revenue than 84% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

19th percentile

1.4%

Higher net margin than 19% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

7th percentile

$83,208

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

49th percentile

3.8%

Faster asset growth than 49% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

40th percentile

2.4%

Faster revenue growth than 40% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$58,628,250

Up $2,142,008 (+3.8%) from 2015

Net Assets

Up

$6,505,498

Up $29,651 (+0.5%) from 2015

Liabilities

Up

$52,122,752

Up $2,112,357 (+4.2%) from 2015

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin19th percentile

Revenue

Up

$2,101,071

Up $48,706 (+2.4%) from 2015

Expenses

Up

$2,071,420

Up $68,511 (+3.4%) from 2015

Net Income

Down

$29,651

Down $19,805 (-40%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth49th 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

2016

Assets$58,628,250
Liabilities$52,122,752
Net Assets$6,505,498
Open 2016 Filing

Operations Trend

Revenue Growth40th 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

2016

Revenue$2,101,071
Expenses$2,071,420
Net Income$29,651
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 18, 2017
Return Version
2016v3.0
Gross Receipts
$2,101,071
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$28,068,220$27,428,220▼ $640,000
Other Notes and Loans Receivable, Net$19,447,669$19,212,231▼ $235,438
Savings and Temporary Cash Investments$6,246,114$9,032,406▲ $2,786,292
Rtn Earn Endowment Incm Other Fnds$6,475,847$6,505,498▲ $29,651
Cash and Non-Interest-Bearing Accounts$1,018,443$1,143,860▲ $125,417
Land, Buildings, and Equipment, Net$1,077,464$1,092,875▲ $15,411
Prepaid Expenses and Deferred Charges$100,335$147,842▲ $47,507
Total Assets$56,486,242$58,628,250▲ $2,142,008
Other Assets Total$527,997$570,816▲ $42,819
Liabilities
Other Liabilities$49,780,703$51,890,125▲ $2,109,422
Accounts Payable and Accrued Expenses$229,692$232,627▲ $2,935
Total Liabilities$50,010,395$52,122,752▲ $2,112,357
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,475,847$6,505,498▲ $29,651
Total Liabilities and Net Assets / Fund Balance$56,486,242$58,628,250▲ $2,142,008

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$340,472$627,216$967,688
Equipment$166,465$428,017$594,482
Land$543,044-$543,044
Other Land Buildings$42,894$86,041$128,935
Investment Program Related Org$8,500,000--
Other Assets Org$522,204--
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Susan Holliday2074 Asheville Hwy, Brevard, Nc 28712FT$83,208$83,208

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
$1,654,182
Investment Income
$446,889
Other Revenue
$0
Change in Net Assets
$29,651
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,311,975
Salaries, Compensation, and Employee Benefits$759,445
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$676,237
Fees for Services Other---$551,792
Office Expenses---$365,301
Interest---$91,509
Occupancy---$90,227
Current Officers, Directors, Trustees, and Key Employees---$83,208
Other Expenses---$76,800
Advertising---$70,473
Conferences and Meetings---$6,310
Total Functional Expenses$0$0$0$2,071,420
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$51,890,125
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
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
Yes
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
Assistant Manager
Phone
8288847283
Signed
2017-04-18
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
13
Volunteers
7

Preparer

Firm
Carolinas 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”

Pt VI, Line 12C

“Monitored monthly and as needed for compliance”

Form 990, Part IX, Line 24E

“Ncusif stabilization expense”

Form 990, Part IX, Line 24E

“DIVIDEND EXPENSE”

Form 990, Part IX, Line 24E

“MISC OPERATING EXPENSE”

Raw XML Appendix327 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/Desc3PROVISION FOR LOAN LOSS
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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/ExplanationTxt4MONITORED MONTHLY AND AS NEEDED FOR COMPLIANCE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NCUSIF STABILIZATION EXPENSE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DIVIDEND EXPENSE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MISC 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/FormAndLineReferenceDesc4Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0NC
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt056486242
IRS990/TotalAssetsEOYAmt058628250
IRS990/TotalAssetsGrp/BOYAmt056486242
IRS990/TotalAssetsGrp/EOYAmt058628250
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/TotalAmt02071420
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt050010395
IRS990/TotalLiabilitiesEOYAmt052122752
IRS990/TotalLiabilitiesGrp/BOYAmt050010395
IRS990/TotalLiabilitiesGrp/EOYAmt052122752
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06475847
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06505498
IRS990/TotalProgramServiceRevenueAmt01654182
IRS990/TotalReportableCompFromOrgAmt083208
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02101071
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02101071
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt056486242
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt058628250
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SHERRY LONG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ASSISTANT MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum08288847283
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-18
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/FilingSecurityInformation/AtSubmissionCreationDeviceId090BEEB8AE062264D292DB6B44125583ABFF5BB72
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId090BEEB8AE062264D292DB6B44125583ABFF5BB72
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt098.121.80.211
ReturnHeader/FilingSecurityInformation/IPDt02017-05-02
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm012:27:40
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CAROLINAS 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/PreparationDt02017-04-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LADAWN ATKINSON
ReturnHeader/ReturnTs02017-05-02T12:27:43-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$58,628,250
Liabilities
$52,122,752
Net assets
$6,505,498
Revenue
$2,101,071
Expenses
$2,071,420
Net income
$29,651
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