Civic Intelligence

State Chartered Credit Union

990 • Fiscal year 2012 • EIN 56-6055648

Jan 01, 2012 to Dec 31, 2012 • Filed on May 06, 2013

Organization Profile
591 Brevard Road28806
Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2012 filings • $1M-$5M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

25th percentile

-3.8%

Faster asset growth than 25% of similar nonprofits.

2012 filings • $1M-$5M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$4,126,433

Down $162,067 (-3.8%) from 2011

Net Assets

Up

$314,589

Up $6,728 (+2.2%) from 2011

Liabilities

Down

$3,811,844

Down $168,795 (-4.2%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$211,042

Down $78,842 (-27%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,154,327Liabilities 2010: $3,775,373Net Assets 2010: $378,9542010Assets 2011: $4,288,500Liabilities 2011: $3,980,639Net Assets 2011: $307,8612011Assets 2012: $4,126,433Liabilities 2012: $3,811,844Net Assets 2012: $314,5892012

Highlighted filing

2012

Assets$4,126,433
Liabilities$3,811,844
Net Assets$314,589
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$300K$200K$100K$0Expenses 2010: $231,0292010Expenses 2011: $289,8842011Expenses 2012: $211,0422012

Highlighted filing

2012

Revenue-
Expenses$211,042
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 6, 2013
Return Version
2012v2.0
Gross Receipts
$218,009
Filing and Contact Details

Filer

EIN
56-6055648
Raw XML Appendix307 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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IRS990/Form990PartVIISectionA/NamePerson2DEBORAH HAWKINS
IRS990/Form990PartVIISectionA/NamePerson3MARK CASE
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IRS990/Form990PartVIISectionA/NamePerson5JAMES LINDSEY
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IRS990/Form990PartVIISectionA/NamePerson8JAMES STAMEY
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IRS990/Form990PartVIISectionA/Title0152 STRADLEY MOUNTAIN ROAD ASHEVILLE NC 28806
IRS990/Form990PartVIISectionA/Title1152 STRADLEY MTN. RD. ASHEVILLE NC 28806
IRS990/Form990PartVIISectionA/Title2PO BOX 235 SWANNANOA, NC 28778
IRS990/Form990PartVIISectionA/Title3176 CLARAS TRAIL MILLS RIVER NC 28759
IRS990/Form990PartVIISectionA/Title424 LAUREK PARK DRIVE ARDEN NC 28704
IRS990/Form990PartVIISectionA/Title5441 MERRIL COVE ROAD ASHEVILLE, NC 28803
IRS990/Form990PartVIISectionA/Title6193 BROOKSHIRE RD. LEICESTER, NC 28704
IRS990/Form990PartVIISectionA/Title7PO BOX 1712 ENKA, NC 28728
IRS990/Form990PartVIISectionA/Title82 ANDWAY DRIVE, ASHEVILLE, NC 28806
IRS990/Form990ProvidedToGoverningBody0false
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IRS990/Interest/Total030992
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IRS990/LandBuildingsEquipmentBasis0173977
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IRS990/MoreThan5000KToOrganizations0false
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IRS990/OfficerMailingAddress0false
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IRS990/OtherExpenses/Description0PROVISION FOR LOAN LOSSES
IRS990/OtherExpenses/Description1OTHER EXPENSES
IRS990/OtherExpenses/Description2STABILIZATION EXPENSE
IRS990/OtherExpenses/Description3LEAGUE/CHAPTER DUES
IRS990/OtherExpenses/Total013000
IRS990/OtherExpenses/Total151776
IRS990/OtherExpenses/Total24000
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IRS990/PrepaidExpensesDeferredCharges/BOY04022
IRS990/PrepaidExpensesDeferredCharges/EOY06288
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IRS990/ProgramServiceRevenue/BusinessCode1522100
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IRS990/ProgramServiceRevenue/Description1FEE INCOME
IRS990/ProgramServiceRevenue/Description2OTHER INCOME
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IRS990ScheduleD/OtherAssets/BookValue038061
IRS990ScheduleD/OtherAssets/Description0NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/OtherLiabilities/Amount03810160
IRS990ScheduleD/OtherLiabilities/Description0SHARES
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IRS990ScheduleO/GeneralExplanation/Explanation0MEMBERS
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IRS990ScheduleO/GeneralExplanation/Explanation2YES, MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation3SENT TO MANAGER FOR REVIEW AND SIGNATURE
IRS990ScheduleO/GeneralExplanation/Explanation4UPON REQUEST
IRS990ScheduleO/GeneralExplanation/Explanation5TWO BOARD MEMBERS:DOUG AND TERESE HUGHLEY ARE MARRIED
IRS990ScheduleO/GeneralExplanation/Explanation6INCLUDES ADJUSTMENTS PER EXAMINER AND AUDITORS
IRS990ScheduleO/GeneralExplanation/Explanation7OTHER EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier0Pt VI, Line 6
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IRS990ScheduleO/GeneralExplanation/Identifier2Pt VI, Line 7b
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IRS990ScheduleO/GeneralExplanation/Identifier4Pt VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier5Pt VI, Line 2
IRS990ScheduleO/GeneralExplanation/Identifier6Pt XI
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IRS990/YearFormation01928
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0566055648
ReturnHeader/Filer/Name/BusinessNameLine10STATE CHARTERED CREDIT UNION
ReturnHeader/Filer/NameControl0STAT
ReturnHeader/Filer/Phone08282589845
ReturnHeader/Filer/USAddress/AddressLine10591 BREVARD ROAD
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ReturnHeader/Filer/USAddress/ZIPCode028806
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ReturnHeader/Officer/DateSigned02013-05-06
ReturnHeader/Officer/Name0MARLENE CLINARD
ReturnHeader/Officer/Phone08282589845
ReturnHeader/Officer/Title0MANAGER
ReturnHeader/Preparer/DatePrepared02013-05-06
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10NORTH CAROLINA CREDIT UNION LEAGUE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10323 W JONES STREET SUITE 200
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0RALEIGH
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0NC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode027603
ReturnHeader/Preparer/Name0LADAWN ATKINSON
ReturnHeader/Preparer/Phone03363140812
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-06T14:19:54-07:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$4,126,433
Liabilities
$3,811,844
Net assets
$314,589
Revenue
-
Expenses
$211,042
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.13$3.81$0.31$0.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.29$3.98$0.31$0.29
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.15$3.78$0.38$0.23