Civic Intelligence

Emergency Responders Credit Union

EIN 56-6050017 • 501(c)14 • Winstonsalem, NC

View Organization Page

Profile

Program services incurred in providing loans and savings accounts for members.

1777 Link RoadWinstonsalem, NC 27103-4625

www.emrspcu.com

Siviq Scores

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

Liabilities / Assets

68th percentile

0.89x

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

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

33rd percentile

13.89x

Higher debt load relative to revenue than 33% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

22nd percentile

0.1%

Higher net margin than 22% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

95th percentile

$338,594

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 17.8% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

35th percentile

-1.1%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

70th percentile

16%

Faster revenue growth than 70% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets68th percentile

Assets

Down

$29,722,339

Down $316,029 (-1.1%) from 2023

Liabilities

Down

$26,489,775

Down $238,985 (-0.9%) from 2023

Net Assets

Down

$3,232,564

Down $77,044 (-2.3%) from 2023

Operations
Liabilities / Revenue33rd percentileNet Margin22nd percentile

Revenue

Up

$1,907,346

Up $260,413 (+16%) from 2023

Expenses

Up

$1,905,919

Up $441,158 (+30%) from 2023

Net Income

Down

$1,427

Down $180,745 (-99%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$40M$30M$20M$10M$0Assets 2010: $14,366,111Liabilities 2010: $12,497,136Net Assets 2010: $1,868,9752010Assets 2011: $15,732,732Liabilities 2011: $13,798,117Net Assets 2011: $1,934,6152011Assets 2012: $16,463,400Liabilities 2012: $14,442,989Net Assets 2012: $2,020,4112012Assets 2013: $17,185,397Liabilities 2013: $15,078,694Net Assets 2013: $2,106,7032013Assets 2014: $17,554,314Liabilities 2014: $15,351,199Net Assets 2014: $2,203,1152014Assets 2015: $18,570,085Liabilities 2015: $16,302,511Net Assets 2015: $2,267,5742015Assets 2016: $21,241,654Liabilities 2016: $18,841,704Net Assets 2016: $2,399,9502016Assets 2017: $20,869,086Liabilities 2017: $18,382,222Net Assets 2017: $2,486,8642017Assets 2018: $20,975,305Liabilities 2018: $18,242,451Net Assets 2018: $2,732,8542018Assets 2019: $24,353,274Liabilities 2019: $21,492,646Net Assets 2019: $2,860,6282019Assets 2020: $28,635,554Liabilities 2020: $25,759,799Net Assets 2020: $2,875,7552020Assets 2021: $31,280,784Liabilities 2021: $28,343,290Net Assets 2021: $2,937,4942021Assets 2022: $30,711,546Liabilities 2022: $27,476,004Net Assets 2022: $3,235,5422022Assets 2023: $30,038,368Liabilities 2023: $26,728,760Net Assets 2023: $3,309,6082023Assets 2024: $29,722,339Liabilities 2024: $26,489,775Net Assets 2024: $3,232,5642024

Highlighted filing

2024

Assets$29,722,339
Liabilities$26,489,775
Net Assets$3,232,564
Open 2024 Filing

Operations Trend

Revenue Growth70th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $873,7152010Expenses 2011: $786,6802011Expenses 2012: $753,7982012Revenue 2013: $811,695Expenses 2013: $725,403Net Income 2013: $86,2922013Revenue 2014: $856,105Expenses 2014: $759,693Net Income 2014: $96,4122014Revenue 2015: $862,556Expenses 2015: $798,097Net Income 2015: $64,4592015Revenue 2016: $964,391Expenses 2016: $832,015Net Income 2016: $132,3762016Revenue 2017: $1,026,371Expenses 2017: $939,457Net Income 2017: $86,9142017Revenue 2018: $1,198,648Expenses 2018: $952,658Net Income 2018: $245,9902018Revenue 2019: $1,287,610Expenses 2019: $1,161,276Net Income 2019: $126,3342019Revenue 2020: $1,256,731Expenses 2020: $1,237,584Net Income 2020: $19,1472020Revenue 2021: $1,275,276Expenses 2021: $1,213,537Net Income 2021: $61,7392021Revenue 2022: $1,516,228Expenses 2022: $1,218,180Net Income 2022: $298,0482022Revenue 2023: $1,646,933Expenses 2023: $1,464,761Net Income 2023: $182,1722023Revenue 2024: $1,907,346Expenses 2024: $1,905,919Net Income 2024: $1,4272024

Highlighted filing

2024

Revenue$1,907,346
Expenses$1,905,919
Net Income$1,427
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$29,722,339
Liabilities
$26,489,775
Net assets
$3,232,564
Revenue
$1,907,346
Expenses
$1,905,919
Net income
$1,427
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$29.7$26.5$3.23$1.91$1.91$0.00
2023Detailed filing. Detailed filing data is available for this year.$30.0$26.7$3.31$1.65$1.46$0.18
2022Detailed filing. Detailed filing data is available for this year.$30.7$27.5$3.24$1.52$1.22$0.30
2021Detailed filing. Detailed filing data is available for this year.$31.3$28.3$2.94$1.28$1.21$0.06
2020Detailed filing. Detailed filing data is available for this year.$28.6$25.8$2.88$1.26$1.24$0.02
2019Detailed filing. Detailed filing data is available for this year.$24.4$21.5$2.86$1.29$1.16$0.13
2018Detailed filing. Detailed filing data is available for this year.$21.0$18.2$2.73$1.20$0.95$0.25
2017Detailed filing. Detailed filing data is available for this year.$20.9$18.4$2.49$1.03$0.94$0.09
2016Detailed filing. Detailed filing data is available for this year.$21.2$18.8$2.40$0.96$0.83$0.13
2015Detailed filing. Detailed filing data is available for this year.$18.6$16.3$2.27$0.86$0.80$0.06
2014Detailed filing. Detailed filing data is available for this year.$17.6$15.4$2.20$0.86$0.76$0.10
2013Detailed filing. Detailed filing data is available for this year.$17.2$15.1$2.11$0.81$0.73$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.5$14.4$2.02$0.75
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.7$13.8$1.93$0.79
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.4$12.5$1.87$0.87
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 5, 2025
Return Version
2024v5.0
Gross Receipts
$1,907,346
Mission and Program Overview

Mission

To provide loans and savings accounts for members at reasonable rates.

To make loans at decent rates and to provide savings accounts at reasonable rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$26,565,838$23,897,861▼ $2,667,977
Savings and Temporary Cash Investments$2,602,948$5,026,539▲ $2,423,591
Rtn Earn Endowment Incm Other Fnds$3,309,608$3,232,564▼ $77,044
Land, Buildings, and Equipment, Net$339,927$332,575▼ $7,352
Cash and Non-Interest-Bearing Accounts$204,049$182,233▼ $21,816
Prepaid Expenses and Deferred Charges$56,173$47,504▼ $8,669
Accounts Receivable$5,494$-765▼ $6,259
Total Assets$30,038,368$29,722,339▼ $316,029
Other Assets Total$263,939$236,392▼ $27,547
Liabilities
Other Liabilities$25,376,497$26,229,814▲ $853,317
Accounts Payable and Accrued Expenses$1,352,263$259,961▼ $1,092,302
Total Liabilities$26,728,760$26,489,775▼ $238,985
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,309,608$3,232,564▼ $77,044
Total Liabilities and Net Assets / Fund Balance$30,038,368$29,722,339▼ $316,029

Asset Categories

AssetBook ValueDepreciationBasis
Land$271,322-$271,322
Buildings$53,908$159,898$213,806
Equipment$7,345$100,326$107,671
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Janita RickettFormer CEOFT$168,800$169,794$338,594

Board Members and Trustees

NameTitle
J Scott GauldinPresident
Brandon WatsonBoard Member
Brian DiggsBoard Member
Chad LankfordBoard Member
Dale HesterBoard Member
Jerry AmosBoard Member
Kelly EmersonBoard Member
David SojkaSecretary
Chris BelcherVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,548,230
Investment Income
$113,526
Other Revenue
$245,590
Change in Net Assets
$1,427
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$866,744
Salaries, Compensation, and Employee Benefits$653,246
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$387,734
Benefits to Members---$385,929
Office Expenses---$301,373
Current Officers, Directors, Trustees, and Key Employees---$168,800
Other Employee Benefits---$77,693
Interest---$44,746
Conferences and Meetings---$42,000
Payroll Taxes---$41,639
Information Technology---$32,004
Advertising---$28,992
Travel---$25,600
Depreciation Depletion---$15,330
Insurance---$8,693
Other Expenses---$8,447
Occupancy---$8,109
Fees for Services Accounting---$5,000
All Other Expenses---$2,462
Pension Plan Contributions---$-22,620
Total Functional Expenses$0$0$0$1,905,919
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 and Deposits$26,229,814
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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 11B

“Irs 990 is reviewed by the board of directors before filing.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and the conflict of interest policy are available for review by the credit union members upon request. Monthly financial statements are posted at the credit union for member review.”

Filing and Contact Details

Filer

Filer Name
Emergency Responders Credit Union
EIN
56-6050017
Phone
3367230619
Address
1777 LINK ROAD, WINSTONSALEM, NC 27103-4625

Signing Officer

Name
Kalyn S Stowers
Title
CEO
Phone
3367230619
Signed
2025-05-05

Organization Details

Principal Officer
Kalyn S Stowers
Formed
1940
Legal Domicile
Nc
Voting Board Members
9
Independent Board Members
9
Employees
9

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

“OTHER EXPENSES”

Raw XML Appendix348 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1IRS 990 IS REVIEWED BY THE BOARD OF DIRECTORS BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE FOR REVIEW BY THE CREDIT UNION MEMBERS UPON REQUEST. MONTHLY FINANCIAL STATEMENTS ARE POSTED AT THE CREDIT UNION FOR MEMBER REVIEW.
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
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0KALYN S STOWERS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03367230619
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EMERGENCY RESPONDERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EMER
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ReturnHeader/Filer/PhoneNum03367230619
ReturnHeader/Filer/USAddress/AddressLine1Txt01777 LINK ROAD
ReturnHeader/Filer/USAddress/CityNm0WINSTONSALEM
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
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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/PreparationDt02025-05-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JANET M PIERCE
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-12T09:19:45-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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