Civic Intelligence

State Chartered Credit Union in North Carolina

990 • Fiscal year 2020 • EIN 56-6047303

Jan 01, 2020 to Dec 31, 2020 • Filed on May 12, 2021

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

37th percentile

0.88x

Higher debt load relative to assets than 37% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Liabilities / Revenue

30th percentile

17.74x

Higher debt load relative to revenue than 30% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Net Margin

64th percentile

12%

Higher net margin than 64% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

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.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Asset Growth

1st percentile

-1.3%

Faster asset growth than 1% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Revenue Growth

63rd percentile

-0.6%

Faster revenue growth than 63% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets37th percentile

Assets

Down

$62,340,253

Down $848,858 (-1.3%) from 2019

Net Assets

Up

$7,526,416

Up $378,772 (+5.3%) from 2019

Liabilities

Down

$54,813,837

Down $1,227,630 (-2.2%) from 2019

Revenue And Expenses
Liabilities / Revenue30th percentileNet Margin64th percentile

Revenue

Down

$3,089,462

Down $19,942 (-0.6%) from 2019

Expenses

Down

$2,710,690

Down $1,292,385 (-32%) from 2019

Net Income

Up

$378,772

Up $1,272,443 (+142%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth1st 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

2020

Assets$62,340,253
Liabilities$54,813,837
Net Assets$7,526,416
Open 2020 Filing

Operations Trend

Revenue Growth63rd 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

2020

Revenue$3,089,462
Expenses$2,710,690
Net Income$378,772
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 12, 2021
Return Version
2020v4.0
Gross Receipts
$3,089,462
Mission and Program Overview

Mission

To operate a state chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$38,102,639$30,084,339▼ $8,018,300
Investments in Publicly Traded Securities$15,951,888$21,183,348▲ $5,231,460
Land, Buildings, and Equipment, Net$6,825,510$7,160,538▲ $335,028
Cash and Non-Interest-Bearing Accounts$2,015,123$3,679,297▲ $1,664,174
Accounts Receivable$176,627$142,524▼ $34,103
Prepaid Expenses and Deferred Charges$111,877$90,207▼ $21,670
Total Assets$63,189,111$62,340,253▼ $848,858
Other Assets Total$5,447--
Liabilities
Accounts Payable and Accrued Expenses$56,041,467$54,813,837▼ $1,227,630
Total Liabilities$56,041,467$54,813,837▼ $1,227,630
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$635,696$7,526,416▲ $6,890,720
Net Assets With Donor Restrictions$6,511,948--
Total Net Assets Fund Balance$7,147,644$7,526,416▲ $378,772
Total Liabilities and Net Assets / Fund Balance$63,189,111$62,340,253▼ $848,858

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,432,199$-1,109,056$2,323,143
Land$949,901-$949,901
Compensation and Service Providers
Top Officer Pay5th percentile

Board Members and Trustees

NameTitle
Belinda GurkinsBoard Member
Carrie LewisBoard Member
Jarvis PettewayBoard Member
June G CarlisleBoard Member
Pam DavisBoard Member
Williams F GoodeBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$2,455,665
Other Revenue
$633,797
Change in Net Assets
$378,772
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,631,160
Salaries, Compensation, and Employee Benefits$1,079,530
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$818,667--$818,667
Fees for Services Other$501,078--$501,078
Interest$432,198--$432,198
Office Expenses$414,223--$414,223
Other Employee Benefits$199,957--$199,957
Depreciation Depletion$105,900--$105,900
Insurance$78,727--$78,727
Payroll Taxes$60,906--$60,906
Occupancy$28,492--$28,492
Fees for Services Accounting$26,395--$26,395
Fees for Services Legal$20,038--$20,038
Information Technology$14,068--$14,068
Conferences and Meetings$8,948--$8,948
Other Expenses$74--$74
All Other Expenses$-48,038--$-48,038
Total Functional Expenses$2,710,690$0$0$2,710,690
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 35% controlled entity
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
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
Board Secretary
Phone
2528233125
Signed
2021-05-12

Organization Details

Principal Officer
Charles L Johnson
Voting Board Members
9
Independent Board Members
9
Employees
23

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 18,091 0 0 maintenance building 14,094 0 0 utilities 27,389 0 0 property taxes 34,650 0 0 off site storage 9,068 0 0 telephone 76,102 0 0 web site 800 0 0 association dues 9,582 0 0 service fees (cudl) 4,062 0 0 security 9,616 0 0 professional and outside coll 3,740 0 0 professional and outside ecm 30,660 0 0 professional and outside cred 12,388 0 0 dividends share 8,625 0 0 mail 11,224 0 0 professional and outside remo 2,897 0 0 network 15,268 0 0 fleet 4,631 0 0 professional and outside ipay 5,946 0 0 professional and outside empl 96,180 0 0 professional and outside titl 1,407 0 0 professional and outside othe 24,696 0 0 professional and outside cash 6,125 0 0 professional and outside disa 12,904 0 0 professional and outside elan 60,933 0 0 total 501,078 0 0”

Raw XML Appendix309 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 18,091 0 0 MAINTENANCE BUILDING 14,094 0 0 UTILITIES 27,389 0 0 PROPERTY TAXES 34,650 0 0 OFF SITE STORAGE 9,068 0 0 TELEPHONE 76,102 0 0 WEB SITE 800 0 0 ASSOCIATION DUES 9,582 0 0 SERVICE FEES (CUDL) 4,062 0 0 SECURITY 9,616 0 0 PROFESSIONAL AND OUTSIDE COLL 3,740 0 0 PROFESSIONAL AND OUTSIDE ECM 30,660 0 0 PROFESSIONAL AND OUTSIDE CRED 12,388 0 0 DIVIDENDS SHARE 8,625 0 0 MAIL 11,224 0 0 PROFESSIONAL AND OUTSIDE REMO 2,897 0 0 NETWORK 15,268 0 0 FLEET 4,631 0 0 PROFESSIONAL AND OUTSIDE IPAY 5,946 0 0 PROFESSIONAL AND OUTSIDE EMPL 96,180 0 0 PROFESSIONAL AND OUTSIDE TITL 1,407 0 0 PROFESSIONAL AND OUTSIDE OTHE 24,696 0 0 PROFESSIONAL AND OUTSIDE CASH 6,125 0 0 PROFESSIONAL AND OUTSIDE DISA 12,904 0 0 PROFESSIONAL AND OUTSIDE ELAN 60,933 0 0 TOTAL 501,078 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/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt063189111
IRS990/TotalAssetsEOYAmt062340253
IRS990/TotalAssetsGrp/BOYAmt063189111
IRS990/TotalAssetsGrp/EOYAmt062340253
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt023
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02710690
IRS990/TotalFunctionalExpensesGrp/TotalAmt02710690
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt056041467
IRS990/TotalLiabilitiesEOYAmt054813837
IRS990/TotalLiabilitiesGrp/BOYAmt056041467
IRS990/TotalLiabilitiesGrp/EOYAmt054813837
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07147644
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07526416
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03089462
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03089462
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt063189111
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt062340253
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt0714 SALEM LANE
IRS990/USAddress/CityNm0TARBORO
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd027886
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES L JOHNSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BOARD SECRETARY
ReturnHeader/BusinessOfficerGrp/PhoneNum02528233125
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-05-12
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/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/PreparationDt02021-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOHN A POLLARD
ReturnHeader/ReturnTs02021-05-15T08:45:07-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CHARLES
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0JOHNSON
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$62,340,253
Liabilities
$54,813,837
Net assets
$7,526,416
Revenue
$3,089,462
Expenses
$2,710,690
Net income
$378,772
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
2020Detailed filing. Detailed filing data is available for this year.$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
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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