Civic Intelligence

State Chartered Credit Union in North Carolina

990 • Fiscal year 2017 • EIN 56-6047303

Jan 01, 2017 to Dec 31, 2017 • Filed on May 15, 2018

Organization ProfileWWW.TELCU.COM

View Organization Page

PO Box 4002Tarboro, NC 27886

(252) 823-0119

Siviq Scores

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

Liabilities / Assets

55th percentile

0.89x

Higher debt load relative to assets than 55% of similar nonprofits.

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

Liabilities / Revenue

47th percentile

18.57x

Higher debt load relative to revenue than 47% of similar nonprofits.

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

Net Margin

8th percentile

-5.4%

Higher net margin than 8% of similar nonprofits.

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

Top Officer Pay

5th percentile

$0

Higher top officer pay than 5% of similar nonprofits.

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

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

Asset Growth

17th percentile

-0.7%

Faster asset growth than 17% of similar nonprofits.

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

Revenue Growth

98th percentile

23%

Faster revenue growth than 98% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets55th percentile

Assets

Down

$63,045,510

Down $421,952 (-0.7%) from 2016

Net Assets

Down

$6,812,824

Down $4,535,306 (-40%) from 2016

Liabilities

Up

$56,232,686

Up $4,113,354 (+7.9%) from 2016

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin8th percentile

Revenue

Up

$3,028,191

Up $560,401 (+23%) from 2016

Expenses

Down

$3,193,166

Down $65,053 (-2.0%) from 2016

Net Income

Up

-$164,975

Up $625,454 (+79%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$80M$60M$40M$20M$0Assets 2010: $58,667,405Liabilities 2010: $148,688Net Assets 2010: $58,518,7172010Assets 2011: $56,210,046Liabilities 2011: $97,174Net Assets 2011: $56,112,8722011Assets 2012: $53,653,427Liabilities 2012: $164,146Net Assets 2012: $53,489,2812012Assets 2013: $52,651,609Liabilities 2013: $87,239Net Assets 2013: $52,564,3702013Assets 2014: $53,424,904Liabilities 2014: $41,470,391Net Assets 2014: $11,954,5132014Assets 2015: $54,746,380Liabilities 2015: $43,008,051Net Assets 2015: $11,738,3292015Assets 2016: $63,467,462Liabilities 2016: $52,119,332Net Assets 2016: $11,348,1302016Assets 2017: $63,045,510Liabilities 2017: $56,232,686Net Assets 2017: $6,812,8242017Assets 2018: $62,696,529Liabilities 2018: $53,939,613Net Assets 2018: $8,756,9162018Assets 2019: $63,189,111Liabilities 2019: $56,041,467Net Assets 2019: $7,147,6442019Assets 2020: $62,340,253Liabilities 2020: $54,813,837Net Assets 2020: $7,526,4162020Assets 2021: $51,559,939Liabilities 2021: $44,744,938Net Assets 2021: $6,815,0012021Assets 2022: $48,536,514Liabilities 2022: $41,411,558Net Assets 2022: $7,124,9562022Assets 2023: $52,003,379Liabilities 2023: $45,077,287Net Assets 2023: $6,926,0922023

Highlighted filing

2017

Assets$63,045,510
Liabilities$56,232,686
Net Assets$6,812,824
Open 2017 Filing

Operations Trend

Revenue Growth98th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,351,7432010Expenses 2011: $2,752,7672011Expenses 2012: $2,528,3912012Revenue 2013: $1,964,900Expenses 2013: $1,830,682Net Income 2013: $134,2182013Revenue 2014: $1,902,372Expenses 2014: $2,118,559Net Income 2014: -$216,1872014Revenue 2015: $182,623Expenses 2015: $308,996Net Income 2015: -$126,3732015Revenue 2016: $2,467,790Expenses 2016: $3,258,219Net Income 2016: -$790,4292016Revenue 2017: $3,028,191Expenses 2017: $3,193,166Net Income 2017: -$164,9752017Revenue 2018: $3,553,270Expenses 2018: $3,865,858Net Income 2018: -$312,5882018Revenue 2019: $3,109,404Expenses 2019: $4,003,075Net Income 2019: -$893,6712019Revenue 2020: $3,089,462Expenses 2020: $2,710,690Net Income 2020: $378,7722020Revenue 2021: $2,489,741Expenses 2021: $2,640,240Net Income 2021: -$150,4992021Revenue 2022: $2,992,888Expenses 2022: $2,690,662Net Income 2022: $302,2262022Revenue 2023: $3,569,382Expenses 2023: $3,466,739Net Income 2023: $102,6432023

Highlighted filing

2017

Revenue$3,028,191
Expenses$3,193,166
Net Income-$164,975
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 15, 2018
Return Version
2017v2.3
Gross Receipts
$3,028,191
Mission and Program Overview

Mission

To operate a state chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$47,602,435$46,761,347▼ $841,088
Investments in Publicly Traded Securities$9,019,855$7,619,054▼ $1,400,801
Land, Buildings, and Equipment, Net$4,986,133$6,518,179▲ $1,532,046
Cash and Non-Interest-Bearing Accounts$1,514,449$1,762,427▲ $247,978
Accounts Receivable$178,081$186,313▲ $8,232
Prepaid Expenses and Deferred Charges$146,868$162,019▲ $15,151
Intangible Assets$19,641$36,171▲ $16,530
Total Assets$63,818,362$63,045,510▼ $772,852
Other Assets Total$350,900--
Liabilities
Accounts Payable and Accrued Expenses$52,119,332$56,232,686▲ $4,113,354
Total Liabilities$52,119,332$56,232,686▲ $4,113,354
Net Assets / Fund Balance
Temporarily Rstr Net Assets$6,511,948$6,511,948→ $0
Unrestricted Net Assets$5,187,082$300,876▼ $4,886,206
Total Net Assets Fund Balance$11,699,030$6,812,824▼ $4,886,206
Total Liabilities and Net Assets / Fund Balance$63,818,362$63,045,510▼ $772,852

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,182,404$-870,397$2,312,007
Land$949,901-$949,901
Compensation and Service Providers
Top Officer Pay5th percentile

Board Members and Trustees

NameTitle
Charles L JohnsonPresident Cf
Belinda GurkinsDirector
Carrie LewisDirector
Chessley H Helms IiiDirector
Craig C SmithDirector
Harold WrightDirector
Pam DavisDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$2,530,880
Other Revenue
$497,311
Change in Net Assets
$-164,975
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,127,269
Salaries, Compensation, and Employee Benefits$1,065,897
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$794,808--$794,808
Office Expenses$638,673--$638,673
Interest$418,565--$418,565
Fees for Services Other$405,128--$405,128
Other Employee Benefits$201,566--$201,566
Depreciation Depletion$127,195--$127,195
Payroll Taxes$69,523--$69,523
Insurance$66,929--$66,929
Occupancy$25,397--$25,397
Fees for Services Accounting$18,808--$18,808
Conferences and Meetings$17,054--$17,054
Fees for Services Legal$9,008--$9,008
Information Technology$7,425--$7,425
Other Expenses$679--$679
All Other Expenses$13--$13
Total Functional Expenses$3,193,166$0$0$3,193,166
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Union in
EIN
56-6047303
Phone
2528230119
Address
PO BOX 4002, TARBORO, NC 27886
Doing Business As
Telco Credit Union

Signing Officer

Name
Charles L Johnson
Title
President CFO
Phone
2528233125
Signed
2018-05-15

Organization Details

Principal Officer
Charles L Johnson
Voting Board Members
7
Independent Board Members
6
Employees
18

Preparer

Firm
John a Pollard CPA Pllc
Address
503 TRADE ST, TARBORO, NC 27886
Preparer
John a Pollard
Phone
2528231040
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To operate a state chartered credit union”

Form 990, Part IX, Line 11G

“Janitorial 23,283 0 0 maintenance building 20,247 0 0 utilities 26,679 0 0 property taxes 27,236 0 0 off site storage 6,855 0 0 telephone 70,313 0 0 web site 79 0 0 association dues 14,979 0 0 service fees (cudl) 13,806 0 0 security 3,410 0 0 professional and outside coll 4,426 0 0 professional and outside ecm 29,457 0 0 professional and outside cred 48,542 0 0 dividends share 14,348 0 0 mail 11,150 0 0 professional and outside auto 643 0 0 network 11,518 0 0 fleet 4,631 0 0 atm checks 2,452 0 0 professional and outside ipay 4,507 0 0 professional and outside empl 5,293 0 0 professional and outside titl 899 0 0 professional and outside depo 610 0 0 professional and outside othe 55,311 0 0 professional and outside cash 2,126 0 0 professional and outside disa 2,328 0 0 total 405,128 0 0”

Raw XML Appendix321 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
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3JANITORIAL 23,283 0 0 MAINTENANCE BUILDING 20,247 0 0 UTILITIES 26,679 0 0 PROPERTY TAXES 27,236 0 0 OFF SITE STORAGE 6,855 0 0 TELEPHONE 70,313 0 0 WEB SITE 79 0 0 ASSOCIATION DUES 14,979 0 0 SERVICE FEES (CUDL) 13,806 0 0 SECURITY 3,410 0 0 PROFESSIONAL AND OUTSIDE COLL 4,426 0 0 PROFESSIONAL AND OUTSIDE ECM 29,457 0 0 PROFESSIONAL AND OUTSIDE CRED 48,542 0 0 DIVIDENDS SHARE 14,348 0 0 MAIL 11,150 0 0 PROFESSIONAL AND OUTSIDE AUTO 643 0 0 NETWORK 11,518 0 0 FLEET 4,631 0 0 ATM CHECKS 2,452 0 0 PROFESSIONAL AND OUTSIDE IPAY 4,507 0 0 PROFESSIONAL AND OUTSIDE EMPL 5,293 0 0 PROFESSIONAL AND OUTSIDE TITL 899 0 0 PROFESSIONAL AND OUTSIDE DEPO 610 0 0 PROFESSIONAL AND OUTSIDE OTHE 55,311 0 0 PROFESSIONAL AND OUTSIDE CASH 2,126 0 0 PROFESSIONAL AND OUTSIDE DISA 2,328 0 0 TOTAL 405,128 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt06511948
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt06511948
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt063818362
IRS990/TotalAssetsEOYAmt063045510
IRS990/TotalAssetsGrp/BOYAmt063818362
IRS990/TotalAssetsGrp/EOYAmt063045510
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt03193166
IRS990/TotalFunctionalExpensesGrp/TotalAmt03193166
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt052119332
IRS990/TotalLiabilitiesEOYAmt056232686
IRS990/TotalLiabilitiesGrp/BOYAmt052119332
IRS990/TotalLiabilitiesGrp/EOYAmt056232686
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt011699030
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06812824
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03028191
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03028191
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt063818362
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt063045510
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt05187082
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0300876
IRS990/USAddress/AddressLine1Txt0714 SALEM LANE
IRS990/USAddress/CityNm0TARBORO
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd027886
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES L JOHNSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum02528233125
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNION IN
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0NORTH CAROLINA
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0566047303
ReturnHeader/Filer/PhoneNum02528230119
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 4002
ReturnHeader/Filer/USAddress/CityNm0TARBORO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd027886
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0D0833B742AA3BDAD5CEE13204A353C436D2F1AF8
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0CAC86B4239F5304BCB14C917C0DEF65AAC782849
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0167.68.16.49
ReturnHeader/FilingSecurityInformation/IPDt02018-06-05
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm009:25:11
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0454964747
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JOHN A POLLARD CPA PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0503 TRADE ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TARBORO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd027886
ReturnHeader/PreparerPersonGrp/PhoneNum02528231040
ReturnHeader/PreparerPersonGrp/PreparationDt02018-05-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOHN A POLLARD
ReturnHeader/ReturnTs02018-06-05T10:25:11-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$63,045,510
Liabilities
$56,232,686
Net assets
$6,812,824
Revenue
$3,028,191
Expenses
$3,193,166
Net income
-$164,975
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$52.0$45.1$6.93$3.57$3.47$0.10
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.5$41.4$7.12$2.99$2.69$0.30
2021Summary only. Only limited summary data is available for this year.$51.6$44.7$6.82$2.49$2.64$0.15
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$62.3$54.8$7.53$3.09$2.71$0.38
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.2$56.0$7.15$3.11$4.00$0.89
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.7$53.9$8.76$3.55$3.87$0.31
2017Detailed filing. Detailed filing data is available for this year.$63.0$56.2$6.81$3.03$3.19$0.16
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$63.5$52.1$11.3$2.47$3.26$0.79
2015Detailed filing. Detailed filing data is available for this year.$54.7$43.0$11.7$0.18$0.31$0.13
2014Detailed filing. Detailed filing data is available for this year.$53.4$41.5$12.0$1.90$2.12$0.22
2013Detailed filing. Detailed filing data is available for this year.$52.7$0.09$52.6$1.96$1.83$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.7$0.16$53.5$2.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.2$0.10$56.1$2.75
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.7$0.15$58.5$3.35