Civic Intelligence

State Chartered Credit Union in North

990 • Fiscal year 2021 • EIN 56-1139784

Jan 01, 2021 to Dec 31, 2021 • Filed on May 17, 2022

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

59th percentile

0.90x

Higher debt load relative to assets than 59% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Liabilities / Revenue

59th percentile

24.61x

Higher debt load relative to revenue than 59% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Net Margin

50th percentile

13%

Higher net margin than 50% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Top Officer Pay

6th percentile

$0

Higher top officer pay than 6% of similar nonprofits.

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

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Asset Growth

75th percentile

13%

Faster asset growth than 75% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Revenue Growth

74th percentile

5.9%

Faster revenue growth than 74% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets59th percentile

Assets

Up

$78,454,235

Up $8,826,845 (+13%) from 2020

Net Assets

Up

$7,704,297

Up $386,012 (+5.3%) from 2020

Liabilities

Up

$70,749,938

Up $8,440,833 (+14%) from 2020

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin50th percentile

Revenue

Up

$2,874,308

Up $160,306 (+5.9%) from 2020

Expenses

Up

$2,488,296

Up $91,638 (+3.8%) from 2020

Net Income

Up

$386,012

Up $68,668 (+22%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth75th 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

2021

Assets$78,454,235
Liabilities$70,749,938
Net Assets$7,704,297
Open 2021 Filing

Operations Trend

Revenue Growth74th 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

2021

Revenue$2,874,308
Expenses$2,488,296
Net Income$386,012
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 17, 2022
Return Version
2021v4.0
Gross Receipts
$2,874,308
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
Investments Program Related$24,829,220$30,356,954▲ $5,527,734
Savings and Temporary Cash Investments$17,179,120$22,847,675▲ $5,668,555
Other Notes and Loans Receivable, Net$24,604,786$22,061,176▼ $2,543,610
Cash and Non-Interest-Bearing Accounts$1,321,007$1,211,948▼ $109,059
Land, Buildings, and Equipment, Net$995,029$1,069,106▲ $74,077
Prepaid Expenses and Deferred Charges$92,061$67,310▼ $24,751
Total Assets$69,627,390$78,454,235▲ $8,826,845
Other Assets Total$606,167$840,066▲ $233,899
Liabilities
Other Liabilities$62,035,987$70,176,112▲ $8,140,125
Accounts Payable and Accrued Expenses$273,118$573,826▲ $300,708
Total Liabilities$62,309,105$70,749,938▲ $8,440,833
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,318,285$7,704,297▲ $386,012
Total Net Assets Fund Balance$7,318,285$7,704,297▲ $386,012
Total Liabilities and Net Assets / Fund Balance$69,627,390$78,454,235▲ $8,826,845

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$258,900$622,349$881,249
Equipment$265,162$549,305$814,467
Land$545,044-$545,044
Investment Program Related Org$1,250,000--
Compensation and Service Providers
Top Officer Pay6th percentile

Board Members and Trustees

NameTitle
Martha MccraryPresident
Helen YoungBoard Member
Mike WoodBoard Member
Richard BowersBoard Member
William GarberBoard Member
Lisa RathburnManager
Gary HollifieldSecretary
Bill BrysonVice Preside

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiserv PorticoCore ProcessorPO BOX 745148, PO BOX 745148, Atlanta, GA 30374$675,618
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,146,842
Investment Income
$484,532
Other Revenue
$242,934
Change in Net Assets
$386,012
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,734,345
Salaries, Compensation, and Employee Benefits$753,951
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$753,951
Information Technology---$731,834
Office Expenses---$491,793
Interest---$117,910
Occupancy---$106,995
Advertising---$65,838
Other Expenses---$18,099
Conferences and Meetings---$6,000
Total Functional Expenses$0$0$0$2,488,296
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$70,176,112
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 35% controlled entity
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
2022-05-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lisa Rathburn
Formed
1976
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
17

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 Appendix342 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/TotalBookValueLandBuildingsAmt01069106
IRS990ScheduleD/TotalBookValueProgramRltdAmt030356954
IRS990ScheduleD/TotalLiabilityAmt070176112
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt069627390
IRS990/TotalAssetsEOYAmt078454235
IRS990/TotalAssetsGrp/BOYAmt069627390
IRS990/TotalAssetsGrp/EOYAmt078454235
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02488296
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt062309105
IRS990/TotalLiabilitiesEOYAmt070749938
IRS990/TotalLiabilitiesGrp/BOYAmt062309105
IRS990/TotalLiabilitiesGrp/EOYAmt070749938
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07318285
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07704297
IRS990/TotalProgramServiceRevenueAmt02146842
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02874308
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02874308
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt069627390
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt078454235
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0289 OLD SOUTHER ROAD
IRS990/USAddress/CityNm0MILLS RIVER
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028759
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.ECUSTACU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LISA RATHBURN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum08288847283
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-05-17
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/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/PreparationDt02022-05-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JANET M PIERCE
ReturnHeader/ReturnTs02022-05-25T08:06:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0LISA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0RATHBURN
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$78,454,235
Liabilities
$70,749,938
Net assets
$7,704,297
Revenue
$2,874,308
Expenses
$2,488,296
Net income
$386,012
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2021 filings • 501(c)14 • $50M-$100M nonprofits