Civic Intelligence

State Chartered Credit Union in North Carolina

990 • Fiscal year 2015 • EIN 56-1256441

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 27, 2016

Organization ProfileWWW.TCPCU.ORG

View Organization Page

3051 Westinghouse RoadRural Hall, NC 27045

(336) 969-6518

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

33rd percentile

0.83x

Higher debt load relative to assets than 33% of similar nonprofits.

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

Liabilities / Revenue

62nd percentile

22.58x

Higher debt load relative to revenue than 62% of similar nonprofits.

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

Net Margin

74th percentile

12%

Higher net margin than 74% of similar nonprofits.

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

Top Officer Pay

17th percentile

$42,848

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 9.9% of source-year revenue.

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

Asset Growth

3rd percentile

-5.5%

Faster asset growth than 3% of similar nonprofits.

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

Revenue Growth

15th percentile

-4.8%

Faster revenue growth than 15% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Down

$11,683,233

Down $676,605 (-5.5%) from 2014

Net Assets

Up

$1,933,820

Up $52,106 (+2.8%) from 2014

Liabilities

Down

$9,749,413

Down $728,711 (-7.0%) from 2014

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin74th percentile

Revenue

Down

$431,769

Down $21,956 (-4.8%) from 2014

Expenses

Up

$379,663

Up $16,376 (+4.5%) from 2014

Net Income

Down

$52,106

Down $38,332 (-42%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$15M$10M$5.0M$0Assets 2010: $14,281,287Liabilities 2010: $12,325,963Net Assets 2010: $1,955,3242010Assets 2011: $13,998,209Liabilities 2011: $12,035,374Net Assets 2011: $1,962,8352011Assets 2012: $14,324,229Liabilities 2012: $12,516,652Net Assets 2012: $1,807,5772012Assets 2013: $13,753,245Liabilities 2013: $11,961,969Net Assets 2013: $1,791,2762013Assets 2014: $12,359,838Liabilities 2014: $10,478,124Net Assets 2014: $1,881,7142014Assets 2015: $11,683,233Liabilities 2015: $9,749,413Net Assets 2015: $1,933,8202015Assets 2016: $11,798,273Liabilities 2016: $9,781,048Net Assets 2016: $2,017,2252016Assets 2017: $11,096,734Liabilities 2017: $9,102,160Net Assets 2017: $1,994,5742017Assets 2018: $10,468,401Liabilities 2018: $8,341,526Net Assets 2018: $2,126,8752018Assets 2019: $10,740,881Liabilities 2019: $8,471,103Net Assets 2019: $2,269,7782019Assets 2020: $11,302,785Liabilities 2020: $9,031,762Net Assets 2020: $2,271,0232020Assets 2021: $11,666,177Liabilities 2021: $9,307,587Net Assets 2021: $2,358,5902021Assets 2022: $12,411,992Liabilities 2022: $9,849,255Net Assets 2022: $2,562,7372022Assets 2023: $14,402,876Liabilities 2023: $11,759,067Net Assets 2023: $2,643,8092023Assets 2024: $13,836,219Liabilities 2024: $11,203,227Net Assets 2024: $2,632,9922024

Highlighted filing

2015

Assets$11,683,233
Liabilities$9,749,413
Net Assets$1,933,820
Open 2015 Filing

Operations Trend

Revenue Growth15th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $530,8762010Expenses 2011: $484,8642011Expenses 2012: $643,6812012Revenue 2013: $457,236Expenses 2013: $478,731Net Income 2013: -$21,4952013Revenue 2014: $453,725Expenses 2014: $363,287Net Income 2014: $90,4382014Revenue 2015: $431,769Expenses 2015: $379,663Net Income 2015: $52,1062015Revenue 2016: $479,900Expenses 2016: $396,495Net Income 2016: $83,4052016Revenue 2017: $544,890Expenses 2017: $567,541Net Income 2017: -$22,6512017Revenue 2018: $618,358Expenses 2018: $486,057Net Income 2018: $132,3012018Revenue 2019: $693,397Expenses 2019: $550,494Net Income 2019: $142,9032019Revenue 2020: $681,934Expenses 2020: $680,689Net Income 2020: $1,2452020Revenue 2021: $662,308Expenses 2021: $574,741Net Income 2021: $87,5672021Revenue 2022: $791,585Expenses 2022: $587,438Net Income 2022: $204,1472022Revenue 2023: $995,835Expenses 2023: $863,261Net Income 2023: $132,5742023Revenue 2024: $1,147,390Expenses 2024: $1,158,207Net Income 2024: -$10,8172024

Highlighted filing

2015

Revenue$431,769
Expenses$379,663
Net Income$52,106
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 27, 2016
Return Version
2015v2.1
Gross Receipts
$431,769
Mission and Program Overview

Mission

To provide services to members and pay dividends at reasonable rates

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,833,643$5,583,378▼ $250,265
Savings and Temporary Cash Investments$4,136,156$4,646,185▲ $510,029
Rtn Earn Endowment Incm Other Fnds$1,881,714$1,933,820▲ $52,106
Investments Program Related$1,850,227$1,154,227▼ $696,000
Land, Buildings, and Equipment, Net$144,286$134,946▼ $9,340
Cash and Non-Interest-Bearing Accounts$41,703$46,832▲ $5,129
Prepaid Expenses and Deferred Charges$12,041$8,853▼ $3,188
Accounts Receivable-$1,597-
Total Assets$12,359,838$11,683,233▼ $676,605
Other Assets Total$341,782$107,215▼ $234,567
Liabilities
Other Liabilities$10,421,647$9,720,289▼ $701,358
Accounts Payable and Accrued Expenses$56,477$29,124▼ $27,353
Total Liabilities$10,478,124$9,749,413▼ $728,711
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,881,714$1,933,820▲ $52,106
Total Liabilities and Net Assets / Fund Balance$12,359,838$11,683,233▼ $676,605

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$108,112$109,700$217,812
Equipment$263$80,070$80,333
Other Land Buildings$4,155$20,223$24,378
Land$22,416-$22,416
Leasehold Improvements-$2,250$2,250
Investment Program Related Org$1,154,227--
Other Assets Org$2,999--
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Barbara Isaacs484 New Life Church Road, Mount Airy, Nc 27030FT$42,848$42,848

Board Members and Trustees

NameTitle
Tim Partridge1130 Woodbury Rd. King, NC 27021
Frank Nguyen1394 Lighthouse Lane Winston Salem, Nc 27127
Mary Thompson212 Nettlebrook Dr Winston Salem, Nc 27107
Gerry Cline225 Red Oak Drive, Stokesdale, Nc 27357
Donald Cearley2961 Kecoughten Roa, Pfafftown, Nc 27040
Sandy Uldrick4218 Watts Street Tobaccoville Nc 27050
Aliesha Oakes501 Neston Dr., Winston Salem, Nc 27105
James Jones6531 Spanish Oak Drive, Rural Hall, NC 27045
Robert Lilly736 Crooked Run Road, Rural Hall, NC 27045
Ed Blackburn8040 Stout Farm, Tobaccoville, Nc 27050
David CoxP O Box 429, Pilot Mtn., NC 27041
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$401,855
Investment Income
$29,914
Other Revenue
$0
Change in Net Assets
$52,106
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$231,373
Salaries, Compensation, and Employee Benefits$135,469
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$69,192
Other Salaries and Wages---$54,658
Interest---$43,836
Current Officers, Directors, Trustees, and Key Employees---$42,848
Other Employee Benefits---$37,963
Fees for Services Other---$27,385
Other Expenses---$27,182
Occupancy---$24,035
Benefits to Members---$12,821
Payments to Affiliates---$7,098
Conferences and Meetings---$2,834
Advertising---$1,297
Total Functional Expenses$0$0$0$379,663
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
Member Shares/deposits$9,720,289
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
Tcp Credit Union
EIN
56-1256441
Phone
3369696518
Address
3051 WESTINGHOUSE ROAD, RURAL HALL, NC 27045

Signing Officer

Name
Barbara Isaacs
Title
Manager
Phone
3369696518
Signed
2016-04-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Barbara Isaacs
Formed
1979
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
11

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 manager for review and signature”

Pt VI, Line 12C

“Review file maintenance report to ensure that noone is completing transactions for themselves or family.”

Form 990, Part IX, Line 24F

“Misc operating expense cash short and over dividend expense”

Raw XML Appendix368 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/PYProgramServiceRevenueAmt0417768
IRS990/PYRevenuesLessExpensesAmt090438
IRS990/PYSalariesCompEmpBnftPaidAmt0144266
IRS990/PYTotalExpensesAmt0363287
IRS990/PYTotalRevenueAmt0453725
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt052106
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01881714
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01933820
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04136156
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04646185
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0108112
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0109700
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0217812
IRS990ScheduleD/EquipmentGrp/BookValueAmt0263
IRS990ScheduleD/EquipmentGrp/DepreciationAmt080070
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt080333
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01154227
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS 1-3 YEARS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt022416
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt022416
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt02250
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02250
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0104216
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt12999
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0REPOSSESSED/FORECLOSED ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUA SHARE INSURANCE CAP DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ALL OTHER ASSETS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt04155
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt020223
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt024378
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09720289
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES/DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0134946
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0107215
IRS990ScheduleD/TotalBookValueProgramRltdAmt01154227
IRS990ScheduleD/TotalLiabilityAmt09720289
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 MANAGER FOR REVIEW AND SIGNATURE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REVIEW FILE MAINTENANCE REPORT TO ENSURE THAT NOONE IS COMPLETING TRANSACTIONS FOR THEMSELVES OR FAMILY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MISC OPERATING EXPENSE CASH SHORT AND OVER DIVIDEND 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 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012359838
IRS990/TotalAssetsEOYAmt011683233
IRS990/TotalAssetsGrp/BOYAmt012359838
IRS990/TotalAssetsGrp/EOYAmt011683233
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0379663
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010478124
IRS990/TotalLiabilitiesEOYAmt09749413
IRS990/TotalLiabilitiesGrp/BOYAmt010478124
IRS990/TotalLiabilitiesGrp/EOYAmt09749413
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01881714
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01933820
IRS990/TotalProgramServiceRevenueAmt0401855
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0431769
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0431769
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012359838
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011683233
IRS990/TotReportableCompRltdOrgAmt042848
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03051 WESTINGHOUSE ROAD
IRS990/USAddress/CityNm0RURAL HALL
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd027045
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.TCPCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BARBARA ISAACS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03369696518
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TCP CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0TCPC
ReturnHeader/Filer/EIN0561256441
ReturnHeader/Filer/PhoneNum03369696518
ReturnHeader/Filer/USAddress/AddressLine1Txt03051 WESTINGHOUSE ROAD
ReturnHeader/Filer/USAddress/CityNm0RURAL HALL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd027045
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/PreparationDt02016-05-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LADAWN ATKINSON
ReturnHeader/ReturnTs02016-05-01T17:01:24-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$11,683,233
Liabilities
$9,749,413
Net assets
$1,933,820
Revenue
$431,769
Expenses
$379,663
Net income
$52,106
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.8$11.2$2.63$1.15$1.16$0.01
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.4$11.8$2.64$1.00$0.86$0.13
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$9.85$2.56$0.79$0.59$0.20
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.7$9.31$2.36$0.66$0.57$0.09
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.3$9.03$2.27$0.68$0.68$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.7$8.47$2.27$0.69$0.55$0.14
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.5$8.34$2.13$0.62$0.49$0.13
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.1$9.10$1.99$0.54$0.57$0.02
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.8$9.78$2.02$0.48$0.40$0.08
2015Detailed filing. Detailed filing data is available for this year.$11.7$9.75$1.93$0.43$0.38$0.05
2014Detailed filing. Detailed filing data is available for this year.$12.4$10.5$1.88$0.45$0.36$0.09
2013Detailed filing. Detailed filing data is available for this year.$13.8$12.0$1.79$0.46$0.48$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.3$12.5$1.81$0.64
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.0$12.0$1.96$0.48
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.3$12.3$1.96$0.53
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $10M-$25M nonprofits