Civic Intelligence

State Chartered Credit Union in North

990 • Fiscal year 2018 • EIN 56-1139784

Jan 01, 2018 to Dec 31, 2018 • Filed on May 14, 2019

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

58th percentile

0.89x

Higher debt load relative to assets than 58% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Liabilities / Revenue

84th percentile

22.00x

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

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Net Margin

38th percentile

8.6%

Higher net margin than 38% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Top Officer Pay

5th percentile

$0

Higher top officer pay than 5% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Asset Growth

66th percentile

3.3%

Faster asset growth than 66% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Revenue Growth

84th percentile

16%

Faster revenue growth than 84% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$62,207,511

Up $1,969,678 (+3.3%) from 2017

Net Assets

Up

$6,687,380

Up $217,267 (+3.4%) from 2017

Liabilities

Up

$55,520,131

Up $1,752,411 (+3.3%) from 2017

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin38th percentile

Revenue

Up

$2,523,595

Up $348,955 (+16%) from 2017

Expenses

Up

$2,306,328

Up $96,303 (+4.4%) from 2017

Net Income

Up

$217,267

Up $252,652 (+714%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth66th 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

2018

Assets$62,207,511
Liabilities$55,520,131
Net Assets$6,687,380
Open 2018 Filing

Operations Trend

Revenue Growth84th 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

2018

Revenue$2,523,595
Expenses$2,306,328
Net Income$217,267
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 14, 2019
Return Version
2018v3.1
Gross Receipts
$2,523,595
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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$20,534,923$24,234,630▲ $3,699,707
Investments Program Related$25,260,220$22,980,220▼ $2,280,000
Savings and Temporary Cash Investments$11,947,730$12,308,898▲ $361,168
Cash and Non-Interest-Bearing Accounts$731,984$1,005,713▲ $273,729
Land, Buildings, and Equipment, Net$1,031,578$972,849▼ $58,729
Prepaid Expenses and Deferred Charges$131,909$116,509▼ $15,400
Total Assets$60,237,833$62,207,511▲ $1,969,678
Other Assets Total$599,489$588,692▼ $10,797
Liabilities
Other Liabilities$53,582,958$55,251,468▲ $1,668,510
Accounts Payable and Accrued Expenses$184,762$268,663▲ $83,901
Total Liabilities$53,767,720$55,520,131▲ $1,752,411
Net Assets / Fund Balance
Unrestricted Net Assets$6,470,113$6,687,380▲ $217,267
Total Net Assets Fund Balance$6,470,113$6,687,380▲ $217,267
Total Liabilities and Net Assets / Fund Balance$60,237,833$62,207,511▲ $1,969,678

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$298,915$561,397$860,312
Equipment$118,058$469,206$587,264
Land$555,875-$555,875
Other Land Buildings$1$21,015$21,016
Investment Program Related Org$10,187,220--
Compensation and Service Providers
Top Officer Pay5th percentile

Board Members and Trustees

NameTitle
Martha MccraryPresident
Jonathan OrrDirector
Mike WoodDirector
Richard BowersDirector
Sam EdneyDirector
Lisa RathburnManager
Gary HollifieldSecretary
Bill BrysonVice Preside

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv PorticoOnline VendorPO BOX 745148, PO BOX 745148, Atlanta, GA 30374$604,480
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,865,746
Investment Income
$605,857
Other Revenue
$51,992
Change in Net Assets
$217,267
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,617,574
Salaries, Compensation, and Employee Benefits$688,754
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$688,754
Information Technology---$634,467
Office Expenses---$459,611
Occupancy---$97,153
Interest---$80,305
Advertising---$61,900
Other Expenses---$19,281
Conferences and Meetings---$6,501
Total Functional Expenses$0$0$0$2,306,328
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$55,251,468
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“MEMBERS”

Form 990, Page 6, Part VI, Line 7A

“Directors and officers are elected by members”

Form 990, Page 6, Part VI, Line 7B

“Decisions subject to member vote”

Form 990, Page 6, Part VI, Line 11B

“Sent to credit union for review and signature”

Form 990, Page 6, Part VI, Line 12C

“Monitored monthly and as needed for compliance”

Form 990, Page 6, Part VI, Line 19

“Financial statements are posted on bulletin boards governing documents are displayed in lobby and/ or offices”

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
Lisa Rathburn
Title
Manager
Phone
8288847283
Signed
2019-05-14

Organization Details

Principal Officer
Lisa Rathburn
Formed
1976
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
16

Preparer

Firm
Cantey Tiller Pierce & Green Llp
Address
PO BOX 862, CAMDEN, SC 29021
Preparer
Janet M Pierce
Phone
8034321436
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“NA”

Raw XML Appendix348 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/ExplanationTxt0NA
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DIRECTORS AND OFFICERS ARE ELECTED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DECISIONS SUBJECT TO MEMBER VOTE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SENT TO CREDIT UNION FOR REVIEW AND SIGNATURE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MONITORED MONTHLY AND AS NEEDED FOR COMPLIANCE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED ON BULLETIN BOARDS GOVERNING DOCUMENTS ARE DISPLAYED IN LOBBY AND/ OR OFFICES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt060237833
IRS990/TotalAssetsEOYAmt062207511
IRS990/TotalAssetsGrp/BOYAmt060237833
IRS990/TotalAssetsGrp/EOYAmt062207511
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02306328
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt053767720
IRS990/TotalLiabilitiesEOYAmt055520131
IRS990/TotalLiabilitiesGrp/BOYAmt053767720
IRS990/TotalLiabilitiesGrp/EOYAmt055520131
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06470113
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06687380
IRS990/TotalProgramServiceRevenueAmt01865746
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02523595
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02523595
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt060237833
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt062207511
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt06470113
IRS990/UnrestrictedNetAssetsGrp/EOYAmt06687380
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0MILLS RIVER
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028759
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.ECUSTACU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/PersonNm0LISA RATHBURN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum08288847283
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-14
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
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F9A6853F607C06F0F5AD43C1E6C90CE922A6342A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0AE30496A62B46D8576CB2DA285076149EB93452B
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0206.74.13.32
ReturnHeader/FilingSecurityInformation/IPDt02019-05-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:06:15
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0570568919
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CANTEY TILLER PIERCE & GREEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 862
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CAMDEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0SC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd029021
ReturnHeader/PreparerPersonGrp/PhoneNum08034321436
ReturnHeader/PreparerPersonGrp/PreparationDt02019-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JANET M PIERCE
ReturnHeader/ReturnTs02019-05-15T11:06:15-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$62,207,511
Liabilities
$55,520,131
Net assets
$6,687,380
Revenue
$2,523,595
Expenses
$2,306,328
Net income
$217,267
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