Civic Intelligence

State Chartered Credit Union in North

990 • Fiscal year 2017 • EIN 56-1139784

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 12, 2018

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

56th percentile

0.89x

Higher debt load relative to assets than 56% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

87th percentile

24.72x

Higher debt load relative to revenue than 87% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

12th percentile

-1.6%

Higher net margin than 12% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

10th percentile

$87,316

Higher top officer pay than 10% of similar nonprofits.

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

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

47th percentile

2.7%

Faster asset growth than 47% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

35th percentile

3.5%

Faster revenue growth than 35% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$60,237,833

Up $1,609,583 (+2.7%) from 2016

Net Assets

Down

$6,470,113

Down $35,385 (-0.5%) from 2016

Liabilities

Up

$53,767,720

Up $1,644,968 (+3.2%) from 2016

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin12th percentile

Revenue

Up

$2,174,640

Up $73,569 (+3.5%) from 2016

Expenses

Up

$2,210,025

Up $138,605 (+6.7%) from 2016

Net Income

Down

-$35,385

Down $65,036 (-219%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth47th 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

2017

Assets$60,237,833
Liabilities$53,767,720
Net Assets$6,470,113
Open 2017 Filing

Operations Trend

Revenue Growth35th 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

2017

Revenue$2,174,640
Expenses$2,210,025
Net Income-$35,385
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 12, 2018
Return Version
2017v2.2
Gross Receipts
$2,174,640
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$27,428,220$25,260,220▼ $2,168,000
Other Notes and Loans Receivable, Net$19,212,231$20,534,923▲ $1,322,692
Savings and Temporary Cash Investments$9,032,406$11,947,730▲ $2,915,324
Rtn Earn Endowment Incm Other Fnds$6,505,498$6,470,113▼ $35,385
Land, Buildings, and Equipment, Net$1,092,875$1,031,578▼ $61,297
Cash and Non-Interest-Bearing Accounts$1,143,860$731,984▼ $411,876
Prepaid Expenses and Deferred Charges$147,842$131,909▼ $15,933
Total Assets$58,628,250$60,237,833▲ $1,609,583
Other Assets Total$570,816$599,489▲ $28,673
Liabilities
Other Liabilities$51,890,125$53,582,958▲ $1,692,833
Accounts Payable and Accrued Expenses$232,627$184,762▼ $47,865
Total Liabilities$52,122,752$53,767,720▲ $1,644,968
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,505,498$6,470,113▼ $35,385
Total Liabilities and Net Assets / Fund Balance$58,628,250$60,237,833▲ $1,609,583

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$312,769$544,117$856,886
Equipment$162,932$492,143$655,075
Land$555,875-$555,875
Other Land Buildings$2$28,710$28,712
Investment Program Related Org$10,283,000--
Other Assets Org$21,638--
Compensation and Service Providers
Top Officer Pay10th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Susan Holliday2074 Asheville Hwy, Brevard, Nc 28712FT$87,316$87,316

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
$1,648,037
Investment Income
$526,603
Other Revenue
$0
Change in Net Assets
$-35,385
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,482,871
Salaries, Compensation, and Employee Benefits$727,154
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$639,838
Information Technology---$570,718
Office Expenses---$434,997
Other Expenses---$151,500
Occupancy---$94,218
Current Officers, Directors, Trustees, and Key Employees---$87,316
Interest---$76,060
Advertising---$63,939
Fees for Services Other---$24,169
Conferences and Meetings---$6,277
Total Functional Expenses$0$0$0$2,210,025
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$53,582,958
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
2018-04-12
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 Appendix349 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/BookValueAmt043431
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1534420
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt221638
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST ON INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF FUND
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ALL OTHER ASSETS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt028710
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt028712
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt053582958
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01031578
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0599489
IRS990ScheduleD/TotalBookValueProgramRltdAmt025260220
IRS990ScheduleD/TotalLiabilityAmt053582958
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/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/TotalAssetsBOYAmt058628250
IRS990/TotalAssetsEOYAmt060237833
IRS990/TotalAssetsGrp/BOYAmt058628250
IRS990/TotalAssetsGrp/EOYAmt060237833
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/TotalAmt02210025
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt052122752
IRS990/TotalLiabilitiesEOYAmt053767720
IRS990/TotalLiabilitiesGrp/BOYAmt052122752
IRS990/TotalLiabilitiesGrp/EOYAmt053767720
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06505498
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06470113
IRS990/TotalProgramServiceRevenueAmt01648037
IRS990/TotalReportableCompFromOrgAmt087316
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02174640
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02174640
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt058628250
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt060237833
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SHERRY LONG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ASSISTANT MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum08288847283
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-12
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/IPv4AddressTxt098.101.206.5
ReturnHeader/FilingSecurityInformation/IPDt02018-05-11
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm008:20:33
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/PreparerPersonNm0LADAWN ATKINSON
ReturnHeader/ReturnTs02018-05-11T08:20:36-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$60,237,833
Liabilities
$53,767,720
Net assets
$6,470,113
Revenue
$2,174,640
Expenses
$2,210,025
Net income
-$35,385
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