Civic Intelligence

Fayetteville Postal Credit Union

EIN 56-6056192 • 501(c)14 • Winstonsalem, NC

View Organization Page

Profile

Provide financial services including loans to our members at a reasonable rate and pay reasonable dividends on our member deposits.

3530 Advantage WayWinstonsalem, NC 27103

faypostalcu.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2019

Liabilities / Revenue

44th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

$500k-$1M nonprofits • Source year 2019

Net Margin

28th percentile

-7.8%

Higher net margin than 28% of similar nonprofits.

$500k-$1M nonprofits • Source year 2019

Top Officer Pay

76th percentile

$54,321

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 9.7% of source-year revenue.

$500k-$1M nonprofits • Source year 2019

Asset Growth

2nd percentile

-100%

Faster asset growth than 2% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2018 to 2019

Revenue Growth

32nd percentile

-3.3%

Faster revenue growth than 32% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $8,198,875 (-100%) from 2018

Liabilities

Down

$0

Down $7,452,781 (-100%) from 2018

Net Assets

Down

$0

Down $746,094 (-100%) from 2018

Operations
Liabilities / Revenue44th percentileNet Margin28th percentile

Revenue

Down

$558,735

Down $18,881 (-3.3%) from 2018

Expenses

Up

$602,233

Up $78,820 (+15%) from 2018

Net Income

Down

-$43,498

Down $97,701 (-180%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth2nd percentile

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

$10M$5.0M$0Assets 2011: $6,646,676Liabilities 2011: $5,986,385Net Assets 2011: $660,2912011Assets 2012: $7,057,999Liabilities 2012: $6,362,810Net Assets 2012: $695,1892012Assets 2013: $7,239,003Liabilities 2013: $6,498,241Net Assets 2013: $740,7622013Assets 2014: $7,074,771Liabilities 2014: $6,341,635Net Assets 2014: $733,1362014Assets 2015: $7,684,288Liabilities 2015: $7,035,632Net Assets 2015: $648,6562015Assets 2016: $8,416,294Liabilities 2016: $7,758,348Net Assets 2016: $657,9462016Assets 2017: $8,878,490Liabilities 2017: $8,186,599Net Assets 2017: $691,8912017Assets 2018: $8,198,875Liabilities 2018: $7,452,781Net Assets 2018: $746,0942018Assets 2019: $0Liabilities 2019: $0Net Assets 2019: $02019

Highlighted filing

2019

Assets$0
Liabilities$0
Net Assets$0
Open 2019 Filing

Operations Trend

Revenue Growth32nd percentile

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

$800K$600K$400K$200K$0-$200KRevenue 2011: $547,568Expenses 2011: $537,861Net Income 2011: $9,7072011Revenue 2012: $567,797Expenses 2012: $532,899Net Income 2012: $34,8982012Revenue 2013: $573,488Expenses 2013: $527,915Net Income 2013: $45,5732013Revenue 2014: $546,790Expenses 2014: $554,416Net Income 2014: -$7,6262014Revenue 2015: $528,317Expenses 2015: $612,797Net Income 2015: -$84,4802015Revenue 2016: $534,544Expenses 2016: $525,255Net Income 2016: $9,2892016Revenue 2017: $518,146Expenses 2017: $484,201Net Income 2017: $33,9452017Revenue 2018: $577,616Expenses 2018: $523,413Net Income 2018: $54,2032018Revenue 2019: $558,735Expenses 2019: $602,233Net Income 2019: -$43,4982019

Highlighted filing

2019

Revenue$558,735
Expenses$602,233
Net Income-$43,498
Open 2019 Filing

Filings

Most recent year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$558,735
Expenses
$602,233
Net income
-$43,498
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.56$0.60$0.04
2018Summary only. Only limited summary data is available for this year.$8.20$7.45$0.75$0.58$0.52$0.05
2017Summary only. Only limited summary data is available for this year.$8.88$8.19$0.69$0.52$0.48$0.03
2016Summary only. Only limited summary data is available for this year.$8.42$7.76$0.66$0.53$0.53$0.01
2015Summary only. Only limited summary data is available for this year.$7.68$7.04$0.65$0.53$0.61$0.08
2014Summary only. Only limited summary data is available for this year.$7.07$6.34$0.73$0.55$0.55$0.01
2013Summary only. Only limited summary data is available for this year.$7.24$6.50$0.74$0.57$0.53$0.05
2012Summary only. Only limited summary data is available for this year.$7.06$6.36$0.70$0.57$0.53$0.03
2011Summary only. Only limited summary data is available for this year.$6.65$5.99$0.66$0.55$0.54$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 16, 2022
Return Version
2019v5.2
Gross Receipts
$562,150
Mission and Program Overview

Mission

Provide financial services including loans to our members at a reasonable rate and pay reasonable dividends on our member deposits.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,758,347$0▼ $4,758,347
Savings and Temporary Cash Investments$2,793,349$0▼ $2,793,349
Rtn Earn Endowment Incm Other Fnds$746,094$0▼ $746,094
Cash and Non-Interest-Bearing Accounts$390,089$0▼ $390,089
Land, Buildings, and Equipment, Net$119,457$0▼ $119,457
Accounts Receivable$38,382$0▼ $38,382
Prepaid Expenses and Deferred Charges$23,083$0▼ $23,083
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$8,198,875$0▼ $8,198,875
Other Assets Total$76,168$0▼ $76,168
Liabilities
Other Liabilities$7,353,073--
Accounts Payable and Accrued Expenses$99,708--
Total Liabilities$7,452,781$0▼ $7,452,781
Net Assets / Fund Balance
Total Net Assets Fund Balance$746,094$0▼ $746,094
Total Liabilities and Net Assets / Fund Balance$8,198,875$0▼ $8,198,875
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Molly GillManagerFT$54,321$54,321

Board Members and Trustees

NameTitle
Dorothy ShreckerPresident
Shiela HydeVice President
Ila CottrellhoffmanDirector
Jennifer ProctorDirector
Willie CatoDirector
Sandy ArrufatSecretary
Cheryl McneillTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$495,668
Investment Income
$51,934
Other Revenue
$11,133
Change in Net Assets
$-43,498
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$426,583
Salaries, Compensation, and Employee Benefits$175,650
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$131,193
Other Salaries and Wages---$109,806
Office Expenses---$62,483
Other Employee Benefits---$42,005
Depreciation Depletion---$16,941
Pension Plan Contributions---$15,227
Insurance---$13,009
Occupancy---$10,681
Payroll Taxes---$8,612
All Other Expenses---$7,551
Conferences and Meetings---$6,352
Advertising---$4,269
Other Expenses---$4,009
Travel---$275
Total Functional Expenses$0$0$0$602,233
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Dorothy schrecker and cheryl mcneill have a family relationship.”

Form 990, Part VI, Section A, Line 6

“The credit union is a non- profit organization owned and controlled by its members. The board of directors are elected by the members of the credit union.”

Form 990, Part VI, Section A, Line 7A

“Each member is entitled to one vote during board member elections.”

Form 990, Part VI, Section A, Line 7B

“Members are entitled to vote on corporate matters.”

Form 990, Part VI, Section B, Line 11B

“The return is reviewed by management prior to filing.”

Form 990, Part VI, Section C, Line 19

“The documents are not available to the public.”

Filing and Contact Details

Filer

Filer Name
Fayetteville Postal Credit Union
EIN
56-6056192
Phone
9104845146
Address
3530 ADVANTAGE WAY, WINSTONSALEM, NC 27103

Signing Officer

Name
Peter Minford
Title
Chief Financial Officer
Phone
3367448485
Signed
2022-05-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Peter Minford
Formed
1928
Legal Domicile
Nc
Voting Board Members
1,551
Independent Board Members
0
Employees
4
Volunteers
7

Preparer

Firm
Elliott Davis Llcpllc
Address
500 EAST MOREHEAD STREET SUITE 700, CHARLOTTE, NC 28202
Preparer
Janice a Ratica
Phone
7043338881
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Outside services 131,593. Other professional fees -400.”

FORM 990, PART XI, LINE 9:

“Equity merger with piedmont federal credit union -702,596.”

Raw XML Appendix387 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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IRS990/PYProgramServiceRevenueAmt0507725
IRS990/PYRevenuesLessExpensesAmt054203
IRS990/PYSalariesCompEmpBnftPaidAmt0181000
IRS990/PYTotalExpensesAmt0523413
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0577616
IRS990/QuidProQuoContributionsInd00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-43498
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0506801
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0746094
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02793349
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd00
IRS990ScheduleN/AttorneyGeneralNotifiedInd00
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessorInd00
IRS990ScheduleN/LiabilitiesPaidInd00
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0EQUITY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0PIEDMONT ADVANTAGE CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02019-12-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0566048494
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt0689128
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt03530 ADVANTAGE WAY
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0WINSTON SALEM
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0NC
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd027103
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DOROTHY SCHRECKER AND CHERYL MCNEILL HAVE A FAMILY RELATIONSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS A NON- PROFIT ORGANIZATION OWNED AND CONTROLLED BY ITS MEMBERS. THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER IS ENTITLED TO ONE VOTE DURING BOARD MEMBER ELECTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERS ARE ENTITLED TO VOTE ON CORPORATE MATTERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE RETURN IS REVIEWED BY MANAGEMENT PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE DOCUMENTS ARE NOT AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OUTSIDE SERVICES 131,593. OTHER PROFESSIONAL FEES -400.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7EQUITY MERGER WITH PIEDMONT FEDERAL CREDIT UNION -702,596.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt08198875
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt08198875
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0602233
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07452781
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt07452781
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0746094
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0602233
IRS990/TotalProgramServiceRevenueAmt0495668
IRS990/TotalReportableCompFromOrgAmt054321
IRS990/TotalRevenueGrp/ExclusionAmt051934
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0506801
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0558735
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08198875
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0275
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03530 ADVANTAGE WAY
IRS990/USAddress/CityNm0WINSTONSALEM
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd027103
IRS990/VotingMembersGoverningBodyCnt01551
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0FAYPOSTALCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PETER MINFORD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF FINANCIAL OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum03367448485
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-05-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FAYETTEVILLE POSTAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FAYE
ReturnHeader/Filer/EIN0566056192
ReturnHeader/Filer/PhoneNum09104845146
ReturnHeader/Filer/USAddress/AddressLine1Txt03530 ADVANTAGE WAY
ReturnHeader/Filer/USAddress/CityNm0WINSTONSALEM
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd027103
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0570381582
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ELLIOTT DAVIS LLCPLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0500 EAST MOREHEAD STREET SUITE 700
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHARLOTTE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd028202
ReturnHeader/PreparerPersonGrp/PhoneNum07043338881
ReturnHeader/PreparerPersonGrp/PreparationDt02022-05-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JANICE A RATICA
ReturnHeader/ReturnTs02022-05-16T13:48:30-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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