Civic Intelligence

State Chartered Credit Union in North Carolina

990 • Fiscal year 2017 • EIN 56-6045330

Jan 01, 2017 to Dec 31, 2017 • Filed on May 07, 2018

PO Box 1440Waynesville, NC 28786

(828) 456-1840

Siviq Scores

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

Liabilities / Assets

20th percentile

0.85x

Higher debt load relative to assets than 20% of similar nonprofits.

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

Liabilities / Revenue

90th percentile

26.18x

Higher debt load relative to revenue than 90% of similar nonprofits.

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

Net Margin

48th percentile

9.1%

Higher net margin than 48% of similar nonprofits.

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

Top Officer Pay

94th percentile

$257,979

Higher top officer pay than 94% of similar nonprofits.

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

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

Asset Growth

33rd percentile

1.4%

Faster asset growth than 33% of similar nonprofits.

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

Revenue Growth

54th percentile

5.6%

Faster revenue growth than 54% of similar nonprofits.

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

Assets

Up

$81,020,181

Up $1,119,073 (+1.4%) from 2016

Net Assets

Up

$12,491,647

Up $237,561 (+1.9%) from 2016

Liabilities

Up

$68,528,534

Up $881,512 (+1.3%) from 2016

Revenue

Up

$2,617,306

Up $138,586 (+5.6%) from 2016

Expenses

Up

$2,379,745

Up $271,003 (+13%) from 2016

Net Income

Down

$237,561

Down $132,417 (-36%) from 2016

Historical Trend

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2011: $67,542,684Liabilities 2011: $57,153,725Net Assets 2011: $10,388,9592011Assets 2012: $72,573,077Liabilities 2012: $61,660,530Net Assets 2012: $10,912,5472012Assets 2013: $73,467,778Liabilities 2013: $62,357,238Net Assets 2013: $11,110,5402013Assets 2014: $75,153,033Liabilities 2014: $63,645,138Net Assets 2014: $11,507,8952014Assets 2015: $77,176,298Liabilities 2015: $65,292,190Net Assets 2015: $11,884,1082015Assets 2016: $79,901,108Liabilities 2016: $67,647,022Net Assets 2016: $12,254,0862016Assets 2017: $81,020,181Liabilities 2017: $68,528,534Net Assets 2017: $12,491,6472017Assets 2018: $81,793,922Liabilities 2018: $69,136,848Net Assets 2018: $12,657,0742018Assets 2019: $82,717,800Liabilities 2019: $69,654,296Net Assets 2019: $13,063,5042019Assets 2020: $91,768,384Liabilities 2020: $78,081,992Net Assets 2020: $13,686,3922020Assets 2021: $101,870,713Liabilities 2021: $87,671,077Net Assets 2021: $14,199,6362021Assets 2022: $101,482,184Liabilities 2022: $86,444,148Net Assets 2022: $15,038,0362022Assets 2023: $101,646,194Liabilities 2023: $86,469,927Net Assets 2023: $15,176,2672023Assets 2025: $95,135,567Liabilities 2025: $79,128,932Net Assets 2025: $16,006,6352025

Highlighted filing

2017

Assets$81,020,181
Liabilities$68,528,534
Net Assets$12,491,647

Operations Trend

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

$6.0M$4.0M$2.0M$0Expenses 2011: $2,251,5152011Expenses 2012: $2,330,7592012Revenue 2013: $2,517,422Expenses 2013: $2,319,429Net Income 2013: $197,9932013Revenue 2014: $2,388,078Expenses 2014: $1,990,723Net Income 2014: $397,3552014Revenue 2015: $2,404,834Expenses 2015: $2,028,621Net Income 2015: $376,2132015Revenue 2016: $2,478,720Expenses 2016: $2,108,742Net Income 2016: $369,9782016Revenue 2017: $2,617,306Expenses 2017: $2,379,745Net Income 2017: $237,5612017Revenue 2018: $2,832,956Expenses 2018: $2,667,529Net Income 2018: $165,4272018Revenue 2019: $2,977,724Expenses 2019: $2,571,294Net Income 2019: $406,4302019Revenue 2020: $2,806,169Expenses 2020: $2,182,581Net Income 2020: $623,5882020Revenue 2021: $2,731,622Expenses 2021: $2,218,378Net Income 2021: $513,2442021Revenue 2022: $3,030,686Expenses 2022: $2,192,286Net Income 2022: $838,4002022Revenue 2023: $3,418,199Expenses 2023: $2,926,082Net Income 2023: $492,1172023Revenue 2025: $4,072,450Expenses 2025: $3,521,525Net Income 2025: $550,9252025

Highlighted filing

2017

Revenue$2,617,306
Expenses$2,379,745
Net Income$237,561
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 7, 2018
Return Version
2017v2.3
Gross Receipts
$2,617,306
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$39,997,862$41,625,093▲ $1,627,231
Savings and Temporary Cash Investments$36,285,177$35,924,319▼ $360,858
Rtn Earn Endowment Incm Other Fnds$12,254,086$12,491,647▲ $237,561
Land, Buildings, and Equipment, Net$1,912,295$1,811,464▼ $100,831
Cash and Non-Interest-Bearing Accounts$896,083$764,453▼ $131,630
Prepaid Expenses and Deferred Charges$54,873$82,034▲ $27,161
Total Assets$79,901,108$81,020,181▲ $1,119,073
Other Assets Total$754,818$812,818▲ $58,000
Liabilities
Other Liabilities$67,401,650$68,189,993▲ $788,343
Accounts Payable and Accrued Expenses$245,372$338,541▲ $93,169
Total Liabilities$67,647,022$68,528,534▲ $881,512
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,254,086$12,491,647▲ $237,561
Total Liabilities and Net Assets / Fund Balance$79,901,108$81,020,181▲ $1,119,073

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,387,914$358,227$1,746,141
Equipment$77,225$282,473$359,698
Land$346,325-$346,325
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Randall S CrawfordCEOFT$150,029$107,950$257,979
Larry E SmithCFOFT$78,974$13,907$92,881

Board Members and Trustees

NameTitle
Martha WoodyDirector
Patty SuttonDirector
Roger WrightDirector
William RobertsDirector
Bobby CappsBod Presiden
Bobby CogdillSecretary/tr
David SuttonVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,180,273
Investment Income
$437,033
Other Revenue
$0
Change in Net Assets
$237,561
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,482,575
Salaries, Compensation, and Employee Benefits$897,170
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$658,855--$658,855
Other Salaries and Wages$356,858--$356,858
Other Employee Benefits$237,157$29,854-$267,011
Current Officers, Directors, Trustees, and Key Employees-$229,003-$229,003
Depreciation Depletion$105,561--$105,561
All Other Expenses$100,498--$100,498
Information Technology$96,122--$96,122
Occupancy$67,540--$67,540
Other Expenses$46,846--$46,846
Payroll Taxes$28,196$16,102-$44,298
Insurance$29,097--$29,097
Fees for Services Legal$19,985--$19,985
Advertising$14,521--$14,521
Fees for Services Accounting$11,363--$11,363
Conferences and Meetings-$3,240-$3,240
Travel$224$1,823-$2,047
Total Functional Expenses$2,099,723$280,022$0$2,379,745
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
MEMBERS SHARE\SAVINGS ACCOUNTS$68,189,993
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

Wnc community credit union's membership is made up of anyone living or working in haywood or jackson county, nc and is approved by a credit union employee and maintains a minimum balance in a share savings account.

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

At the annual business meeting of the credit union, the members elect members to the board of directors.

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

The cpa who prepares the form 990 reviews the return with the ceo and/or cfo prior to the return being e-filed. The ceo reports the filing of the form 990 to the board.

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

Each year a supervisory audit or a financial statement audit is conducted. As part of the procedures for these audits, the conflict of interest policy is reviewed and a determination is made as to whether the policy is enforced and functioning.

Form 990, Page 6, Part VI, Line 15A

The board of directors is responsible for the compensation of the ceo. They are provided with documentation regarding the compensation levels of other area credit unions. They utilize this information to make an independent and informed decision regarding the compensation awarded to the ceo.

Form 990, Page 6, Part VI, Line 15B

For other officers and other key employees, the board also makes an informed decision concerning their compensation amounts. They are provided with comparable levels of compensation from other credit unions in north carolina. From this information they vote to approve compensation awarded to officers and other key employees.

Form 990, Page 6, Part VI, Line 19

The organizing documents, conflict of interest policy and financial statements are avaialable to the public upon request.

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Union in Nc
EIN
56-6045330
Phone
8284561840
Address
PO BOX 1440, WAYNESVILLE, NC 28786
Doing Business As
Wnc Community Credit Union

Signing Officer

Name
Randall S Crawford
Title
CEO
Phone
8284561840
Signed
2018-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randall S Crawford
Formed
1946
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
13

Preparer

Firm
Ray Bumgarner Kingshill & Assoc Pa
Address
385 N HAYWOOD ST STE 3, WAYNESVILLE, NC 28786-5722
Preparer
Mark a Bumgarner CPA
Phone
8284524734
Raw XML Appendix372 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0245372
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0338541
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0STATE CHARTERED CREDIT UNION
IRS990/AdvertisingGrp/ProgramServicesAmt014521
IRS990/AdvertisingGrp/TotalAmt014521
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0100498
IRS990/AllOtherExpensesGrp/TotalAmt0100498
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0RANDALL S CRAWFORD
IRS990/BooksInCareOfDetail/PhoneNum08284561840
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt027 KENT LANE
IRS990/BooksInCareOfDetail/USAddress/CityNm0WAYNESVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0287864124
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0896083
IRS990/CashNonInterestBearingGrp/EOYAmt0764453
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0229003
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0229003
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt03240
IRS990/ConferencesMeetingsGrp/TotalAmt03240
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0437033
IRS990/CYOtherExpensesAmt01482575
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02180273
IRS990/CYRevenuesLessExpensesAmt0237561
IRS990/CYSalariesCompEmpBnftPaidAmt0897170
IRS990/CYTotalExpensesAmt02379745
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02617306
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0105561
IRS990/DepreciationDepletionGrp/TotalAmt0105561
IRS990/Desc0WNC COMMUNITY CREDIT UNION SERVES INDIVIDUALS WHO RESIDE OR ARE EMPLOYED IN HAYWOOD AND JACKSON COUNTIES OF NORTH CAROLINA. ONCE MEMBERS BECOME ACTIVE, THEY RETAIN THEIR RIGHT OF MEMBERSHIP EVEN IF THERE IS A CHANGE IN EMPLOYMENT OR RESIDENCE. THE CREDIT UNION IS A PFI (PRIMARY FINANCIAL INSTITUTION) FOR MANY OF THE MEMBERS. SERVICES OFFERED INCLUDE SAVINGS, CHECKING, CERTIFICATES OF DEPOSIT, IRAS AND CHRISTMAS CLUB ACCOUNTS. ALSO AVAILABLE ARE DEBIT CARDS, CASHIER'S CHECKS, DIRECT DEPOSITS, NOTARY SERVICES, ONLINE BANKING SCHOLARSHIPS, AUDIO-RESPONSE, MORTGAGES AND CONSUMER LOANS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DoingBusinessAsName/BusinessNameLine1Txt0WNC COMMUNITY CREDIT UNION
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt013
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt02099723
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt011363
IRS990/FeesForServicesAccountingGrp/TotalAmt011363
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt019985
IRS990/FeesForServicesLegalGrp/TotalAmt019985
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt7107950
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt813907
IRS990/Form990PartVIISectionAGrp/PersonNm0BOBBY CAPPS
IRS990/Form990PartVIISectionAGrp/PersonNm1BOBBY COGDILL
IRS990/Form990PartVIISectionAGrp/PersonNm2WILLIAM ROBERTS
IRS990/Form990PartVIISectionAGrp/PersonNm3DAVID SUTTON
IRS990/Form990PartVIISectionAGrp/PersonNm4PATTY SUTTON
IRS990/Form990PartVIISectionAGrp/PersonNm5MARTHA WOODY
IRS990/Form990PartVIISectionAGrp/PersonNm6ROGER WRIGHT
IRS990/Form990PartVIISectionAGrp/PersonNm7RANDALL S CRAWFORD
IRS990/Form990PartVIISectionAGrp/PersonNm8LARRY E SMITH
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7150029
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt878974
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOD PRESIDEN
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01946
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02617306
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt096122
IRS990/InformationTechnologyGrp/TotalAmt096122
IRS990/InsuranceGrp/ProgramServicesAmt029097
IRS990/InsuranceGrp/TotalAmt029097
IRS990/InterestGrp/ProgramServicesAmt0658855
IRS990/InterestGrp/TotalAmt0658855
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0437033
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0437033
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt01615
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0640700
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01912295
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01811464
IRS990/LandBldgEquipCostOrOtherBssAmt02452164
IRS990/LegalDomicileStateCd0NC
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0STATE CHARTERED CREDIT UNION
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt012254086
IRS990/NetAssetsOrFundBalancesEOYAmt012491647
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt067540
IRS990/OccupancyGrp/TotalAmt067540
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0754818
IRS990/OtherAssetsTotalGrp/EOYAmt0812818
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt029854
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0237157
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0267011
IRS990/OtherExpensesGrp/Desc0SUPPORT SERVICES
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING FEES
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3STATIONARY & SUPPLIES
IRS990/OtherExpensesGrp/ProgramServicesAmt0147670
IRS990/OtherExpensesGrp/ProgramServicesAmt1106039
IRS990/OtherExpensesGrp/ProgramServicesAmt273191
IRS990/OtherExpensesGrp/ProgramServicesAmt346846
IRS990/OtherExpensesGrp/TotalAmt0147670
IRS990/OtherExpensesGrp/TotalAmt1106039
IRS990/OtherExpensesGrp/TotalAmt273191
IRS990/OtherExpensesGrp/TotalAmt346846
IRS990/OtherLiabilitiesGrp/BOYAmt067401650
IRS990/OtherLiabilitiesGrp/EOYAmt068189993
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0356858
IRS990/OtherSalariesAndWagesGrp/TotalAmt0356858
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt039997862
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt041625093
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt016102
IRS990/PayrollTaxesGrp/ProgramServicesAmt028196
IRS990/PayrollTaxesGrp/TotalAmt044298
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt054873
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt082034
IRS990/PrincipalOfficerNm0RANDALL S CRAWFORD
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON MEMBER LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01941010
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1239263
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01941010
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1239263
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0312010
IRS990/PYOtherExpensesAmt01257928
IRS990/PYProgramServiceRevenueAmt02166710
IRS990/PYRevenuesLessExpensesAmt0369978
IRS990/PYSalariesCompEmpBnftPaidAmt0850814
IRS990/PYTotalExpensesAmt02108742
IRS990/PYTotalRevenueAmt02478720
IRS990/ReconcilationRevenueExpnssAmt0237561
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt02180273
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012254086
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012491647
IRS990/SavingsAndTempCashInvstGrp/BOYAmt036285177
IRS990/SavingsAndTempCashInvstGrp/EOYAmt035924319
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01387914
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0358227
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01746141
IRS990ScheduleD/EquipmentGrp/BookValueAmt077225
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0282473
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0359698
IRS990ScheduleD/LandGrp/BookValueAmt0346325
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0346325
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt068189993
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE\SAVINGS ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01811464
IRS990ScheduleD/TotalLiabilityAmt068189993
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0150029
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt092003
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015947
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RANDALL S CRAWFORD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0257979
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0WNC COMMUNITY CREDIT UNION'S MEMBERSHIP IS MADE UP OF ANYONE LIVING OR WORKING IN HAYWOOD OR JACKSON COUNTY, NC AND IS APPROVED BY A CREDIT UNION EMPLOYEE AND MAINTAINS A MINIMUM BALANCE IN A SHARE SAVINGS ACCOUNT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AT THE ANNUAL BUSINESS MEETING OF THE CREDIT UNION, THE MEMBERS ELECT MEMBERS TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CPA WHO PREPARES THE FORM 990 REVIEWS THE RETURN WITH THE CEO AND/OR CFO PRIOR TO THE RETURN BEING E-FILED. THE CEO REPORTS THE FILING OF THE FORM 990 TO THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EACH YEAR A SUPERVISORY AUDIT OR A FINANCIAL STATEMENT AUDIT IS CONDUCTED. AS PART OF THE PROCEDURES FOR THESE AUDITS, THE CONFLICT OF INTEREST POLICY IS REVIEWED AND A DETERMINATION IS MADE AS TO WHETHER THE POLICY IS ENFORCED AND FUNCTIONING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS IS RESPONSIBLE FOR THE COMPENSATION OF THE CEO. THEY ARE PROVIDED WITH DOCUMENTATION REGARDING THE COMPENSATION LEVELS OF OTHER AREA CREDIT UNIONS. THEY UTILIZE THIS INFORMATION TO MAKE AN INDEPENDENT AND INFORMED DECISION REGARDING THE COMPENSATION AWARDED TO THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FOR OTHER OFFICERS AND OTHER KEY EMPLOYEES, THE BOARD ALSO MAKES AN INFORMED DECISION CONCERNING THEIR COMPENSATION AMOUNTS. THEY ARE PROVIDED WITH COMPARABLE LEVELS OF COMPENSATION FROM OTHER CREDIT UNIONS IN NORTH CAROLINA. FROM THIS INFORMATION THEY VOTE TO APPROVE COMPENSATION AWARDED TO OFFICERS AND OTHER KEY EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAIALABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt079901108
IRS990/TotalAssetsEOYAmt081020181
IRS990/TotalAssetsGrp/BOYAmt079901108
IRS990/TotalAssetsGrp/EOYAmt081020181
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0280022
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02099723
IRS990/TotalFunctionalExpensesGrp/TotalAmt02379745
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt067647022
IRS990/TotalLiabilitiesEOYAmt068528534
IRS990/TotalLiabilitiesGrp/BOYAmt067647022
IRS990/TotalLiabilitiesGrp/EOYAmt068528534
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012254086
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012491647
IRS990/TotalOtherCompensationAmt0121857
IRS990/TotalProgramServiceExpensesAmt02099723
IRS990/TotalProgramServiceRevenueAmt02180273
IRS990/TotalReportableCompFromOrgAmt0229003
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02617306
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02617306
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt079901108
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt081020181
IRS990/TravelGrp/ManagementAndGeneralAmt01823
IRS990/TravelGrp/ProgramServicesAmt0224
IRS990/TravelGrp/TotalAmt02047
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0579 BUFF CREEK RD
IRS990/USAddress/CityNm0SYLVA
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028779
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.WNCCCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RANDALL S CRAWFORD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08284561840
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNION IN NC
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0566045330
ReturnHeader/Filer/PhoneNum08284561840
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1440
ReturnHeader/Filer/USAddress/CityNm0WAYNESVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028786
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0E681463A771199CA966C9332388E842BABD7BAC3
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0E681463A771199CA966C9332388E842BABD7BAC3
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt096.36.124.110
ReturnHeader/FilingSecurityInformation/IPDt02018-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm015:36:35
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0561371036
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RAY BUMGARNER KINGSHILL & ASSOC PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0385 N HAYWOOD ST STE 3
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WAYNESVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0287865722
ReturnHeader/PreparerPersonGrp/PhoneNum08284524734
ReturnHeader/PreparerPersonGrp/PreparationDt02018-05-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARK A BUMGARNER CPA
ReturnHeader/ReturnTs02018-05-10T16:36:35-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.1$79.1$16.0$4.07$3.52$0.55
2023Summary only. Only limited summary data is available for this year.$102$86.5$15.2$3.42$2.93$0.49
2022Summary only. Only limited summary data is available for this year.$101$86.4$15.0$3.03$2.19$0.84
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$87.7$14.2$2.73$2.22$0.51
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$91.8$78.1$13.7$2.81$2.18$0.62
2019Summary only. Only limited summary data is available for this year.$82.7$69.7$13.1$2.98$2.57$0.41
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$81.8$69.1$12.7$2.83$2.67$0.17
2017Detailed filing. Detailed filing data is available for this year.$81.0$68.5$12.5$2.62$2.38$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.9$67.6$12.3$2.48$2.11$0.37
2015Detailed filing. Detailed filing data is available for this year.$77.2$65.3$11.9$2.40$2.03$0.38
2014Detailed filing. Detailed filing data is available for this year.$75.2$63.6$11.5$2.39$1.99$0.40
2013Detailed filing. Detailed filing data is available for this year.$73.5$62.4$11.1$2.52$2.32$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$72.6$61.7$10.9$2.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.5$57.2$10.4$2.25
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)14 • $50M-$100M nonprofits