Civic Intelligence

Greater Piedmont Credit Union

EIN 56-1231894 • 501(c)14 • Durham, NC

Profile

To provide a full range of service to the members/owners

601 S Mangum StreetDurham, NC 27701

www.greaterpiedmontcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

8th percentile

0.01x

Higher debt load relative to assets than 8% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

9th percentile

0.06x

Higher debt load relative to revenue than 9% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

24th percentile

-3.5%

Higher net margin than 24% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

60th percentile

$90,535

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 6.8% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

46th percentile

-0.3%

Faster asset growth than 46% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

60th percentile

9.1%

Faster revenue growth than 60% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets8th percentile

Assets

Down

$15,069,169

Down $47,439 (-0.3%) from 2014

Liabilities

Up

$80,137

Up $46,433 (+138%) from 2014

Net Assets

Down

$14,989,032

Down $93,872 (-0.6%) from 2014

Operations
Liabilities / Revenue9th percentileNet Margin24th percentile

Revenue

Up

$1,321,680

Up $109,887 (+9.1%) from 2014

Expenses

Up

$1,367,741

Up $175,236 (+15%) from 2014

Net Income

Down

-$46,061

Down $65,349 (-339%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2010: $14,772,990Liabilities 2010: $45,401Net Assets 2010: $14,727,5892010Assets 2011: $14,788,807Liabilities 2011: $22,129Net Assets 2011: $14,766,6782011Assets 2012: $14,198,581Liabilities 2012: $14,800Net Assets 2012: $14,183,7812012Assets 2013: $14,956,578Liabilities 2013: $19,439Net Assets 2013: $14,937,1392013Assets 2014: $15,116,608Liabilities 2014: $33,704Net Assets 2014: $15,082,9042014Assets 2015: $15,069,169Liabilities 2015: $80,137Net Assets 2015: $14,989,0322015

Highlighted filing

2015

Assets$15,069,169
Liabilities$80,137
Net Assets$14,989,032
Open 2015 Filing

Operations Trend

Revenue Growth60th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,454,7052010Revenue 2011: $1,366,614Expenses 2011: $1,353,713Net Income 2011: $12,9012011Expenses 2012: $1,280,1312012Revenue 2013: $1,248,578Expenses 2013: $1,223,059Net Income 2013: $25,5192013Revenue 2014: $1,211,793Expenses 2014: $1,192,505Net Income 2014: $19,2882014Revenue 2015: $1,321,680Expenses 2015: $1,367,741Net Income 2015: -$46,0612015

Highlighted filing

2015

Revenue$1,321,680
Expenses$1,367,741
Net Income-$46,061
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,069,169
Liabilities
$80,137
Net assets
$14,989,032
Revenue
$1,321,680
Expenses
$1,367,741
Net income
-$46,061
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$15.1$0.08$15.0$1.32$1.37$0.05
2014Detailed filing. Detailed filing data is available for this year.$15.1$0.03$15.1$1.21$1.19$0.02
2013Detailed filing. Detailed filing data is available for this year.$15.0$0.02$14.9$1.25$1.22$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.2$0.01$14.2$1.28
2011Summary only. Only limited summary data is available for this year.$14.8$0.02$14.8$1.37$1.35$0.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.8$0.05$14.7$1.45
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$1,321,680
Mission and Program Overview

Mission

To provide a full range of service to the members/owners

To provide financial service to the membership at a reasonable cost

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$13,736,574$14,038,037▲ $301,463
Other Notes and Loans Receivable, Net$9,322,169$8,739,371▼ $582,798
Savings and Temporary Cash Investments$4,039,227$5,152,527▲ $1,113,300
Rtn Earn Endowment Incm Other Fnds$1,346,330$950,995▼ $395,335
Cash and Non-Interest-Bearing Accounts$894,342$391,157▼ $503,185
Receivables From Officers Etc-$381,407-
Land, Buildings, and Equipment, Net$277,655$230,238▼ $47,417
Prepaid Expenses and Deferred Charges$32,970$21,311▼ $11,659
Accounts Receivable$132,240$6,774▼ $125,466
Total Assets$15,116,608$15,069,169▼ $47,439
Other Assets Total$418,005$146,384▼ $271,621
Liabilities
Accounts Payable and Accrued Expenses$27,164$80,137▲ $52,973
Other Liabilities$6,540--
Total Liabilities$33,704$80,137▲ $46,433
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,082,904$14,989,032▼ $93,872
Total Liabilities and Net Assets / Fund Balance$15,116,608$15,069,169▼ $47,439

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$40,588$649,771$690,359
Buildings$90,779$172,636$263,415
Land$80,479-$80,479
Leasehold Improvements$18,392$59,320$77,712
Other Assets Org$40,208--
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Edward HollandPresidentCEOFT$90,535$90,535

Board Members and Trustees

NameTitle
David KearnsChairperson
Winston RobertsViceChairperson
Veronica Logan-personBDO Member
Elizabeth SmithBOD Member
William MccoyBOD Member
Lois PantazisSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$758,169
Investment Income
$30,793
Other Revenue
$532,718
Change in Net Assets
$-46,061
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$783,029
Salaries, Compensation, and Employee Benefits$584,712
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$383,339
Office Expenses---$249,659
Current Officers, Directors, Trustees, and Key Employees---$90,535
Depreciation Depletion---$90,028
Other Employee Benefits---$65,658
Occupancy---$48,209
Fees for Services Accounting---$40,426
Payroll Taxes---$36,630
Insurance---$29,443
All Other Expenses---$29,100
Information Technology---$27,002
Fees for Services Other---$22,530
Other Expenses---$18,795
Advertising---$11,357
Payments to Affiliates---$9,469
Pension Plan Contributions---$8,550
Conferences and Meetings---$1,166
Travel---$1,072
Fees for Services Legal---$475
Fees for Service Investment Mgmnt Fees---$250
Interest---$73
Total Functional Expenses$0$0$0$1,367,741
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$381,407-
Governance and Compliance

Governance Checklist

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

Governance Explanations

Part VI Line 6

“Accountholders”

Part VI Line 7A

“Accountholders of the credit union”

Filing and Contact Details

Filer

Filer Name
Greater Piedmont Credit Union
EIN
56-1231894
In Care Of
% Edward Holland
Phone
9196870585
Address
601 S Mangum Street, Durham, NC 27701

Signing Officer

Name
Edward Holland
Title
President
Phone
9196870585
Signed
2016-05-13

Organization Details

Principal Officer
Edward Holland
Formed
1977
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
0
Employees
18
Supplemental Narrative

Additional Explanations

Part IX Line 11G

“Prof & Outside Services Total expenses - $22530.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Part IX Line 24E

“Total expenses - $29100.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Part XI Line 9

“Change in shares and deps”

VI, 15B

“By the Executive Committee that is appointed by the board”

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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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt245378
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3213156
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt44613
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt12500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt257775
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3230000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt45000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt515283
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0F DAVID KEARN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1EDWARD HOLLAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2EDWARD HOLLAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3EDWARD HOLLAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4EDWARD HOLLAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5WILLIAM MCCOY
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Accountholders
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Accountholders of the credit union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Prof & Outside Services Total expenses - $22530.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Total expenses - $29100.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Change in shares and deps
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5By the Executive Committee that is appointed by the board
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part IX Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part XI Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5VI, 15B
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IRS990/TravelGrp/TotalAmt01072
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