Civic Intelligence

Unknown Organization

EIN 56-6045660 • 501(c)14

View Organization Page

Profile

To provide financial services to its members

391 South French Broad Avenue28801

www.us-cu.org

Siviq Scores

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

Liabilities / Assets

41st percentile

0.87x

Higher debt load relative to assets than 41% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

68th percentile

18.76x

Higher debt load relative to revenue than 68% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

45th percentile

9.9%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

81st percentile

5.5%

Faster asset growth than 81% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$60,746,196

Up $3,188,204 (+5.5%) from 2012

Liabilities

Up

$53,028,717

Up $3,416,484 (+6.9%) from 2012

Net Assets

Down

$7,717,479

Down $228,280 (-2.9%) from 2012

Operations
Liabilities / Revenue68th percentileNet Margin45th percentile

Revenue

$2,826,844

No earlier filing loaded for comparison.

Expenses

Down

$2,547,274

Down $1,617,102 (-39%) from 2012

Net Income

$279,570

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth81st percentile

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

$80M$60M$40M$20M$0Assets 2010: $56,097,306Liabilities 2010: $48,690,636Net Assets 2010: $7,406,6702010Assets 2011: $56,156,789Liabilities 2011: $48,575,298Net Assets 2011: $7,581,4912011Assets 2012: $57,557,992Liabilities 2012: $49,612,233Net Assets 2012: $7,945,7592012Assets 2013: $60,746,196Liabilities 2013: $53,028,717Net Assets 2013: $7,717,4792013

Highlighted filing

2013

Assets$60,746,196
Liabilities$53,028,717
Net Assets$7,717,479
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0Expenses 2010: $3,687,2762010Expenses 2011: $3,718,7032011Expenses 2012: $4,164,3762012Revenue 2013: $2,826,844Expenses 2013: $2,547,274Net Income 2013: $279,5702013

Highlighted filing

2013

Revenue$2,826,844
Expenses$2,547,274
Net Income$279,570
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$60,746,196
Liabilities
$53,028,717
Net assets
$7,717,479
Revenue
$2,826,844
Expenses
$2,547,274
Net income
$279,570
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$60.7$53.0$7.72$2.83$2.55$0.28
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.6$49.6$7.95$4.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.2$48.6$7.58$3.72
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.1$48.7$7.41$3.69
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.1
Gross Receipts
$2,826,844
Mission and Program Overview

Mission

To provide financial services to its members

To provide financial services to its members at reasonable rates and pay reasonable dividends on their savings deposits after all expenses are paid

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$37,053,525$33,015,733▼ $4,037,792
Savings and Temporary Cash Investments$17,127,351$24,440,200▲ $7,312,849
Rtn Earn Endowment Incm Other Fnds$7,945,759$7,717,479▼ $228,280
Cash and Non-Interest-Bearing Accounts$1,233,225$1,328,744▲ $95,519
Land, Buildings, and Equipment, Net$774,132$847,490▲ $73,358
Total Assets$57,557,992$60,746,196▲ $3,188,204
Other Assets Total$1,369,759$1,114,029▼ $255,730
Liabilities
Other Liabilities$49,159,053$52,693,316▲ $3,534,263
Accounts Payable and Accrued Expenses$453,180$335,401▼ $117,779
Total Liabilities$49,612,233$53,028,717▲ $3,416,484
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,945,759$7,717,479▼ $228,280
Total Liabilities and Net Assets / Fund Balance$57,557,992$60,746,196▲ $3,188,204

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$725,547-$725,547
Equipment$121,943-$121,943
Other Assets Org$420,825--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
William Carrington Iii694 Tip Top Rd Brevard Nc 28712FT$172,489-$172,489
William Carrington Iii--$147,489$25,000$172,489

Board Members and Trustees

NameTitle
Ted W Wacaster207 Camelot Drive, Morganton, Nc 28655
Karen Gortney2131 New Leicester Hwy., Asheville, Nc 238806
Percy Kahaduwe32 Huntington Chase Dr, Asheville, Nc 28805
Tom Muncy33 Maney Ave, Asheville,nc 28804
Kelly Fain375 S French Broad Ave Asheville, Nc 28801
Polly Layman Director647 Town Mtn. Rd, Apt 509, Asheville, Nc 28804
R Wade Rogers94 Beverly Road, Asheville, Nc 28805
Teresa MccarthyPO Box 269 Swannanoa, Nc 28778
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,712,985
Investment Income
$113,859
Other Revenue
$0
Change in Net Assets
$279,570
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,539,417
Salaries, Compensation, and Employee Benefits$968,457
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$795,968
Fees for Services Other---$356,202
Office Expenses---$287,063
Current Officers, Directors, Trustees, and Key Employees---$172,489
Interest---$148,306
Occupancy---$87,335
Advertising---$43,782
Benefits to Members---$39,400
Conferences and Meetings---$33,750
Other Expenses---$16,411
Total Functional Expenses$0$0$0$2,547,274
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
Total Member Deposits$52,693,316
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
56-6045660
Phone
8282550809

Signing Officer

Name
William J Carrington Iii
Title
Manager/CEO
Phone
8282550809
Signed
2014-05-14
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
Nc
Voting Board Members
9
Independent Board Members
9
Employees
24
Volunteers
9

Preparer

Preparer
Ladawn Atkinson
Phone
3363140812
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“MEMBERS”

Pt VI, Line 7A

“Board of directors and supeervisory committee members are eleceted by members”

Pt VI, Line 7B

“Decisions are subject to member votes”

Pt VI, Line 19

“Information provided upon request”

Pt VI, Line 11B

“Sent to manager for review and signature”

Pt VI, Line 15A

“Ceo salary determined by board of directors”

Raw XML Appendix362 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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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/PersonNm0SELF HELP CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine10301 WEST MAIN STREET
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/City0DURHAM
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/State0NC
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCode027701
IRS990ScheduleN/OwnerOfSuccessorInd0false
IRS990ScheduleN/ReceiveCompensationInd0false
IRS990ScheduleN/RequiredToNotifyAGInd0true
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0WILLIAM CARRINGTON WILL REMAIN EMPLOYMENT AS KEY EMPLOYEE AND ALL DIRECTROS WILL REMAIN
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 2e
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD OF DIRECTORS AND SUPEERVISORY COMMITTEE MEMBERS ARE ELECETED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS ARE SUBJECT TO MEMBER VOTES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3INFORMATION PROVIDED UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SENT TO MANAGER FOR REVIEW AND SIGNATURE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CEO SALARY DETERMINED BY BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15a
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0NC
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt057557992
IRS990/TotalAssetsEOYAmt060746196
IRS990/TotalAssetsGrp/BOYAmt057557992
IRS990/TotalAssetsGrp/EOYAmt060746196
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt024
IRS990/TotalFunctionalExpensesGrp/TotalAmt02547274
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt049612233
IRS990/TotalLiabilitiesEOYAmt053028717
IRS990/TotalLiabilitiesGrp/BOYAmt049612233
IRS990/TotalLiabilitiesGrp/EOYAmt053028717
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07945759
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07717479
IRS990/TotalProgramServiceRevenueAmt02712985
IRS990/TotalReportableCompFromOrgAmt0172489
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02826844
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02826844
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt057557992
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt060746196
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10391 SOUTH FRENCH BROAD AVENUE
IRS990/USAddress/City0ASHEVILLE
IRS990/USAddress/State0NC
IRS990/USAddress/ZIPCode028801
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.US-CU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0WILLIAM J CARRINGTON III
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08282550809
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10UNITED SERVICES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0566045660
ReturnHeader/Filer/PhoneNum08282550809
ReturnHeader/Filer/USAddress/AddressLine10391 SOUTH FRENCH BROAD AVENUE
ReturnHeader/Filer/USAddress/City0ASHEVILLE
ReturnHeader/Filer/USAddress/State0NC
ReturnHeader/Filer/USAddress/ZIPCode028801
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10NORTH CAROLINA CREDIT UNION LEAGUE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10323 W Jones Street Suite 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Raleigh
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode027603
ReturnHeader/PreparerPersonGrp/PhoneNum03363140812
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LADAWN ATKINSON
ReturnHeader/ReturnTs02014-05-15T13:14:27-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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