Civic Intelligence

Telco Community Credit Union

EIN 56-6047874 • 501(c)14 • Candler, NC

View Organization Page

Profile

Provide financial services to 34,525 members

1137 Smokey Park HighwayCandler, NC 28715

www.telcoccu.org

Siviq Scores

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

Liabilities / Assets

34th percentile

0.89x

Higher debt load relative to assets than 34% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

59th percentile

15.91x

Higher debt load relative to revenue than 59% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

88th percentile

21%

Higher net margin than 88% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

82nd percentile

7.3%

Faster asset growth than 82% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

23rd percentile

8.4%

Faster revenue growth than 23% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets34th percentile

Assets

Up

$396,692,637

Up $27,148,637 (+7.3%) from 2023

Liabilities

Up

$353,022,149

Up $22,496,738 (+6.8%) from 2023

Net Assets

Up

$43,670,488

Up $4,651,899 (+12%) from 2023

Operations
Liabilities / Revenue59th percentileNet Margin88th percentile

Revenue

Up

$22,181,909

Up $1,717,267 (+8.4%) from 2023

Expenses

Up

$17,530,010

Up $2,236,352 (+15%) from 2023

Net Income

Down

$4,651,899

Down $519,085 (-10%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth82nd percentile

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

$400M$300M$200M$100M$0Assets 2010: $73,482,133Liabilities 2010: $65,587,812Net Assets 2010: $7,894,3212010Assets 2011: $84,856,767Liabilities 2011: $76,174,881Net Assets 2011: $8,681,8862011Assets 2012: $99,070,088Liabilities 2012: $89,142,538Net Assets 2012: $9,927,5502012Assets 2013: $109,882,462Liabilities 2013: $98,526,639Net Assets 2013: $11,355,8232013Assets 2014: $125,906,264Liabilities 2014: $113,089,911Net Assets 2014: $12,816,3532014Assets 2015: $147,312,252Liabilities 2015: $133,526,798Net Assets 2015: $13,785,4542015Assets 2016: $165,085,298Liabilities 2016: $149,788,639Net Assets 2016: $15,296,6592016Assets 2017: $178,463,369Liabilities 2017: $161,121,782Net Assets 2017: $17,341,5872017Assets 2018: $188,718,828Liabilities 2018: $168,337,945Net Assets 2018: $20,380,8832018Assets 2019: $198,671,400Liabilities 2019: $175,046,010Net Assets 2019: $23,625,3902019Assets 2020: $260,413,667Liabilities 2020: $234,239,835Net Assets 2020: $26,173,8322020Assets 2021: $337,573,645Liabilities 2021: $308,449,094Net Assets 2021: $29,124,5512021Assets 2022: $359,729,212Liabilities 2022: $325,161,276Net Assets 2022: $34,567,9362022Assets 2023: $369,544,000Liabilities 2023: $330,525,411Net Assets 2023: $39,018,5892023Assets 2024: $396,692,637Liabilities 2024: $353,022,149Net Assets 2024: $43,670,4882024

Highlighted filing

2024

Assets$396,692,637
Liabilities$353,022,149
Net Assets$43,670,488
Open 2024 Filing

Operations Trend

Revenue Growth23rd percentile

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

$30M$20M$10M$0Expenses 2010: $5,415,2762010Expenses 2011: $5,289,3422011Expenses 2012: $5,639,3412012Revenue 2013: $7,498,605Expenses 2013: $6,002,391Net Income 2013: $1,496,2142013Revenue 2014: $8,165,840Expenses 2014: $6,741,889Net Income 2014: $1,423,9512014Revenue 2015: $8,866,870Expenses 2015: $7,896,379Net Income 2015: $970,4912015Revenue 2016: $9,689,392Expenses 2016: $8,188,523Net Income 2016: $1,500,8692016Revenue 2017: $10,662,515Expenses 2017: $8,614,375Net Income 2017: $2,048,1402017Revenue 2018: $11,951,480Expenses 2018: $8,934,763Net Income 2018: $3,016,7172018Revenue 2019: $13,019,185Expenses 2019: $9,777,727Net Income 2019: $3,241,4582019Revenue 2020: $12,797,458Expenses 2020: $10,254,597Net Income 2020: $2,542,8612020Revenue 2021: $13,700,591Expenses 2021: $10,459,084Net Income 2021: $3,241,5072021Revenue 2022: $16,867,383Expenses 2022: $11,709,206Net Income 2022: $5,158,1772022Revenue 2023: $20,464,642Expenses 2023: $15,293,658Net Income 2023: $5,170,9842023Revenue 2024: $22,181,909Expenses 2024: $17,530,010Net Income 2024: $4,651,8992024

Highlighted filing

2024

Revenue$22,181,909
Expenses$17,530,010
Net Income$4,651,899
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$396,692,637
Liabilities
$353,022,149
Net assets
$43,670,488
Revenue
$22,181,909
Expenses
$17,530,010
Net income
$4,651,899
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$397$353$43.7$22.2$17.5$4.65
2023Detailed filing. Detailed filing data is available for this year.$370$331$39.0$20.5$15.3$5.17
2022Detailed filing. Detailed filing data is available for this year.$360$325$34.6$16.9$11.7$5.16
2021Detailed filing. Detailed filing data is available for this year.$338$308$29.1$13.7$10.5$3.24
2020Detailed filing. Detailed filing data is available for this year.$260$234$26.2$12.8$10.3$2.54
2019Detailed filing. Detailed filing data is available for this year.$199$175$23.6$13.0$9.78$3.24
2018Detailed filing. Detailed filing data is available for this year.$189$168$20.4$12.0$8.93$3.02
2017Detailed filing. Detailed filing data is available for this year.$178$161$17.3$10.7$8.61$2.05
2016Detailed filing. Detailed filing data is available for this year.$165$150$15.3$9.69$8.19$1.50
2015Detailed filing. Detailed filing data is available for this year.$147$134$13.8$8.87$7.90$0.97
2014Detailed filing. Detailed filing data is available for this year.$126$113$12.8$8.17$6.74$1.42
2013Detailed filing. Detailed filing data is available for this year.$110$98.5$11.4$7.50$6.00$1.50
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$99.1$89.1$9.93$5.64
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.9$76.2$8.68$5.29
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.5$65.6$7.89$5.42
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.0
Gross Receipts
$22,181,909
Mission and Program Overview

Mission

Provide financial services to 32,314 members

Provide financial services to 35,121 members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$214,507,273$210,640,575▼ $3,866,698
Investments Program Related$92,024,024$83,000,282▼ $9,023,742
Savings and Temporary Cash Investments$31,300,904$67,127,908▲ $35,827,004
Rtn Earn Endowment Incm Other Fnds$39,018,589$43,670,488▲ $4,651,899
Land, Buildings, and Equipment, Net$13,772,182$13,870,448▲ $98,266
Cash and Non-Interest-Bearing Accounts$3,569,395$4,380,090▲ $810,695
Prepaid Expenses and Deferred Charges$666,636$614,227▼ $52,409
Accounts Receivable$34,713$103,024▲ $68,311
Total Assets$369,544,000$396,692,637▲ $27,148,637
Other Assets Total$13,668,873$16,956,083▲ $3,287,210
Liabilities
Other Liabilities$314,834,615$349,388,361▲ $34,553,746
Accounts Payable and Accrued Expenses$15,690,796$3,633,788▼ $12,057,008
Total Liabilities$330,525,411$353,022,149▲ $22,496,738
Net Assets / Fund Balance
Total Net Assets Fund Balance$39,018,589$43,670,488▲ $4,651,899
Total Liabilities and Net Assets / Fund Balance$369,544,000$396,692,637▲ $27,148,637

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,114,704$2,396,721$9,511,425
Equipment$1,663,963$3,559,526$5,223,489
Land$4,957,034-$4,957,034
Leasehold Improvements$134,747$149,900$284,647
Investment Program Related Org$359,729--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
David BurnettePresident CeFT$263,639$263,639
David BurnettePresident CEO-$263,639$263,639
Brandy PonderMortgagesFT$112,039$112,039
Jan StaplerCOOFT$110,389$110,389
Vanessa RhodamerCFOFT$108,181$108,181
Steve PerkinsCLOFT$106,955$106,955

Board Members and Trustees

NameTitle
Bob LuxChairman
Wa ByrdVice Chair
Bruce SiskBoard Direct
Harry HanklaBoard Direct
Sharon CarterBoard Direct
Stan LivingstonBoard Direct
Ralph LongSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
MastercardCard Network-$863,197
FiservCard Network Da-$521,644
C Payne LLCBuilding Branch-$495,147
Jack Henry AssociatesData Processing-$331,460
EquifaxCredit Retrieva-$161,338
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,916,026
Investment Income
$4,265,883
Other Revenue
$0
Change in Net Assets
$4,651,899

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,181,909
Total Revenue per Audited Statements
$22,181,909
Total Revenue per Form 990
$22,181,909
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,366,763
Salaries, Compensation, and Employee Benefits$5,163,247
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,163,247
Office Expenses---$4,706,890
Interest---$4,467,079
Occupancy---$1,040,321
Advertising---$230,850
Other Expenses---$230,340
Fees for Services Other---$161,343
Conferences and Meetings---$119,438
All Other Expenses---$99,613
Total Functional Expenses$0$0$0$17,530,010

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$17,530,010
Total Expenses per Audited Statements$17,530,010
Total Expenses per Form 990$17,530,010
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
Shares$349,388,361
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
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
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

“MEMBERS”

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

“Directors and officers elected by members”

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

“Review sent to cu for review before filing”

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

“Annually, personnel along with board of directors sign a policy addressing conflict of interest”

Form 990, Page 6, Part VI, Line 19

“Board financials displayed in branch lobbies and available upon request”

Filing and Contact Details

Filer

Filer Name
Telco Community Credit Union
EIN
56-6047874
Phone
8282526458
Address
1137 SMOKEY PARK HIGHWAY, CANDLER, NC 28715

Signing Officer

Name
David Burnette
Title
President CEO
Phone
8282526458
Signed
2025-05-12

Organization Details

Principal Officer
David Burnette
Formed
1934
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
107

Preparer

Firm
Cantey Tiller Pierce & Green Llp
Address
PO BOX 862, CAMDEN, SC 29021
Preparer
Janet M Pierce
Phone
8034321436
Supplemental Narrative

Additional Explanations

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

“Provide financial services to 35,121 members”

Raw XML Appendix391 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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IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT CEO
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IRS990ScheduleJ/SeverancePaymentInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE FINANCIAL SERVICES TO 35,121 MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DIRECTORS AND OFFICERS ELECTED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3REVIEW SENT TO CU FOR REVIEW BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUALLY, PERSONNEL ALONG WITH BOARD OF DIRECTORS SIGN A POLICY ADDRESSING CONFLICT OF INTEREST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD FINANCIALS DISPLAYED IN BRANCH LOBBIES AND AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesGrp/BOYAmt0330525411
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IRS990/TotalProgramServiceRevenueAmt017916026
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt022181909
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0396692637
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01137 SMOKEY PARK HWY
IRS990/USAddress/CityNm0CANDLER
IRS990/USAddress/StateAbbreviationCd0NC
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IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.TELCOCCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID BURNETTE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08282526458
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TELCO COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0TELC
ReturnHeader/Filer/EIN0566047874
ReturnHeader/Filer/PhoneNum08282526458
ReturnHeader/Filer/USAddress/AddressLine1Txt01137 SMOKEY PARK HIGHWAY
ReturnHeader/Filer/USAddress/CityNm0CANDLER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028715
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0570568919
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CANTEY TILLER PIERCE & GREEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 862
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CAMDEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0SC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd029021
ReturnHeader/PreparerPersonGrp/PhoneNum08034321436
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JANET M PIERCE
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-14T14:42:57-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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