Civic Intelligence

Mcdowell Cornerstone Credit Union

EIN 56-6077585 • 501(c)14 • Marion, NC

View Organization Page

Profile

To provide financial services to members at reasonable rates and pay reasonable dividends on savings deposits

PO Box 519Marion, NC 28752

www.mcdowellcornerstone.com

Siviq Scores

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

Liabilities / Assets

21st percentile

0.84x

Higher debt load relative to assets than 21% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

70th percentile

21.24x

Higher debt load relative to revenue than 70% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

42nd percentile

7.4%

Higher net margin than 42% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

20th percentile

-4.5%

Faster asset growth than 20% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

97th percentile

44%

Faster revenue growth than 97% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$36,124,582

Up $1,766,147 (+5.1%) from 2023

Liabilities

Up

$30,043,488

Up $1,339,184 (+4.7%) from 2023

Net Assets

Up

$6,081,094

Up $426,963 (+7.6%) from 2023

Operations
Liabilities / Revenue70th percentileNet Margin42nd percentile

Revenue

Up

$1,584,217

Up $232,525 (+17%) from 2023

Expenses

Down

$1,157,254

Down $94,438 (-7.5%) from 2023

Net Income

Up

$426,963

Up $326,963 (+327%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth20th percentile

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

$40M$30M$20M$10M$0Assets 2010: $23,657,004Liabilities 2010: $19,141,836Net Assets 2010: $4,515,1682010Assets 2011: $23,298,582Liabilities 2011: $18,783,414Net Assets 2011: $4,515,1682011Assets 2012: $23,516,795Liabilities 2012: $18,911,127Net Assets 2012: $4,605,6682012Assets 2013: $23,431,110Liabilities 2013: $18,675,851Net Assets 2013: $4,755,2592013Assets 2014: $24,970,847Liabilities 2014: $20,176,330Net Assets 2014: $4,794,5172014Assets 2015: $26,153,724Liabilities 2015: $21,343,997Net Assets 2015: $4,809,7272015Assets 2016: $27,220,248Liabilities 2016: $22,410,450Net Assets 2016: $4,809,7982016Assets 2017: $26,690,154Liabilities 2017: $21,769,702Net Assets 2017: $4,920,4522017Assets 2018: $26,215,756Liabilities 2018: $21,072,578Net Assets 2018: $5,143,1782018Assets 2019: $27,050,167Liabilities 2019: $21,666,530Net Assets 2019: $5,383,6372019Assets 2020: $32,268,609Liabilities 2020: $26,812,492Net Assets 2020: $5,456,1172020Assets 2021: $34,921,223Liabilities 2021: $29,441,141Net Assets 2021: $5,480,0822021Assets 2022: $35,988,937Liabilities 2022: $30,389,401Net Assets 2022: $5,599,5362022Assets 2023: $34,358,435Liabilities 2023: $28,704,304Net Assets 2023: $5,654,1312023Assets 2024: $36,124,582Liabilities 2024: $30,043,488Net Assets 2024: $6,081,0942024

Highlighted filing

2024

Assets$36,124,582
Liabilities$30,043,488
Net Assets$6,081,094
Open 2024 Filing

Operations Trend

Revenue Growth97th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $959,6792010Expenses 2011: $1,039,0972011Expenses 2012: $895,8152012Revenue 2013: $938,010Expenses 2013: $788,419Net Income 2013: $149,5912013Revenue 2014: $864,636Expenses 2014: $825,378Net Income 2014: $39,2582014Revenue 2015: $830,123Expenses 2015: $814,913Net Income 2015: $15,2102015Revenue 2016: $827,126Expenses 2016: $827,055Net Income 2016: $712016Revenue 2017: $931,888Expenses 2017: $821,234Net Income 2017: $110,6542017Revenue 2018: $1,004,435Expenses 2018: $781,709Net Income 2018: $222,7262018Revenue 2019: $1,052,127Expenses 2019: $811,668Net Income 2019: $240,4592019Revenue 2020: $857,545Expenses 2020: $785,065Net Income 2020: $72,4802020Revenue 2021: $750,086Expenses 2021: $726,121Net Income 2021: $23,9652021Revenue 2022: $941,300Expenses 2022: $821,846Net Income 2022: $119,4542022Revenue 2023: $1,351,692Expenses 2023: $1,251,692Net Income 2023: $100,0002023Revenue 2024: $1,584,217Expenses 2024: $1,157,254Net Income 2024: $426,9632024

Highlighted filing

2024

Revenue$1,584,217
Expenses$1,157,254
Net Income$426,963
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$36,124,582
Liabilities
$30,043,488
Net assets
$6,081,094
Revenue
$1,584,217
Expenses
$1,157,254
Net income
$426,963
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$36.1$30.0$6.08$1.58$1.16$0.43
2023Detailed filing. Detailed filing data is available for this year.$34.4$28.7$5.65$1.35$1.25$0.10
2022Detailed filing. Detailed filing data is available for this year.$36.0$30.4$5.60$0.94$0.82$0.12
2021Detailed filing. Detailed filing data is available for this year.$34.9$29.4$5.48$0.75$0.73$0.02
2020Detailed filing. Detailed filing data is available for this year.$32.3$26.8$5.46$0.86$0.79$0.07
2019Detailed filing. Detailed filing data is available for this year.$27.1$21.7$5.38$1.05$0.81$0.24
2018Detailed filing. Detailed filing data is available for this year.$26.2$21.1$5.14$1.00$0.78$0.22
2017Detailed filing. Detailed filing data is available for this year.$26.7$21.8$4.92$0.93$0.82$0.11
2016Detailed filing. Detailed filing data is available for this year.$27.2$22.4$4.81$0.83$0.83$0.00
2015Detailed filing. Detailed filing data is available for this year.$26.2$21.3$4.81$0.83$0.81$0.02
2014Detailed filing. Detailed filing data is available for this year.$25.0$20.2$4.79$0.86$0.83$0.04
2013Detailed filing. Detailed filing data is available for this year.$23.4$18.7$4.76$0.94$0.79$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.5$18.9$4.61$0.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.3$18.8$4.52$1.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.7$19.1$4.52$0.96
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 19, 2025
Return Version
2024v5.0
Gross Receipts
$1,584,217
Mission and Program Overview

Mission

To provide financial services to members at reasonable rates and pay reasonable dividends on savings deposits

To provide financial services to members at reasonable rates and pay reasonable dividends on deposits

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$16,962,143$23,136,764▲ $6,174,621
Savings and Temporary Cash Investments$6,234,806$6,485,471▲ $250,665
Rtn Earn Endowment Incm Other Fnds$5,654,131$6,081,094▲ $426,963
Investments Program Related$10,161,101$5,394,101▼ $4,767,000
Cash and Non-Interest-Bearing Accounts$386,599$504,621▲ $118,022
Land, Buildings, and Equipment, Net$284,999$292,024▲ $7,025
Prepaid Expenses and Deferred Charges$26,039$28,780▲ $2,741
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$34,358,435$36,124,582▲ $1,766,147
Other Assets Total$302,748$282,821▼ $19,927
Liabilities
Other Liabilities$28,086,564$29,734,109▲ $1,647,545
Accounts Payable and Accrued Expenses$617,740$309,379▼ $308,361
Total Liabilities$28,704,304$30,043,488▲ $1,339,184
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,654,131$6,081,094▲ $426,963
Total Liabilities and Net Assets / Fund Balance$34,358,435$36,124,582▲ $1,766,147

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$752,893--
Buildings$154,717$478,745$0
Other Land Buildings$0$0$0
Land$104,028-$0
Equipment$33,279$6,971$0
Leasehold Improvements$0$0$0
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Stephen WardChairman Supervisory Committee
Lisa MorganPresident BOD
Mika ElliottDirector
Sylvia ScottDirector
Brenda VaughnDirector, Supervisory Committee
Ron WilkersonCredit Committee
Faye MarloweSec Supervisory Committee
Judy W ThompsonTreas BOD
Pat EstesVice Pres BOD/ CREDIT COMM MBR
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,181,592
Investment Income
$402,625
Other Revenue
$0
Change in Net Assets
$426,963
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$642,894
Other Expenses$514,360
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$498,243
Office Expenses---$265,505
Interest---$87,176
Other Employee Benefits---$86,942
Occupancy---$82,215
Payroll Taxes---$49,982
Advertising---$41,270
Travel---$21,766
Other Expenses---$18,415
Fees for Services Other---$17,226
Pension Plan Contributions---$7,727
Total Functional Expenses$0$0$0$1,157,254
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
Members Shares$29,734,109
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“MEMBERS”

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

“MEMBERS”

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

“MEMBERS”

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

“Board treasurer to review and sign”

Form 990, Part VI, Section B, Line 12C

“The organization is diligent in reviewing the annual disclosure forms submitted by covered persons and in compiling and maintaining a list of potentially conflicted entities and individuals. Proposed transactions can then be matched against the list as a means of identifying possible conflicts. The organization identifies a person ultimately responsible for maintaining the list and screening for possible conflicts of interest.”

Form 990, Part VI, Section C, Line 18

“AS REQUESTED”

Form 990, Part VI, Section C, Line 19

“UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Mcdowell Cornerstone Credit Union
EIN
56-6077585
Phone
8286524141
Address
PO Box 519, Marion, NC 28752

Signing Officer

Name
Chris Edwards
Title
Accounting
Phone
8286524141
Signed
2025-03-19

Organization Details

Principal Officer
Judy W Thompson Treasurer
Formed
1967
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
12
Raw XML AppendixShowing 400 of 433 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
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0617740
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0309379
IRS990/AcctCompileOrReviewBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To provide financial services to members at reasonable rates and pay reasonable dividends on deposits
IRS990/AdvertisingGrp/TotalAmt041270
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd00
IRS990/BooksInCareOfDetail/PersonNm0Judy W Thompson
IRS990/BooksInCareOfDetail/PhoneNum08286524141
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 519
IRS990/BooksInCareOfDetail/USAddress/CityNm0Marion
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990/BooksInCareOfDetail/USAddress/ZIPCd028752
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0386599
IRS990/CashNonInterestBearingGrp/EOYAmt0504621
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0402625
IRS990/CYOtherExpensesAmt0514360
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01181592
IRS990/CYRevenuesLessExpensesAmt0426963
IRS990/CYSalariesCompEmpBnftPaidAmt0642894
IRS990/CYTotalExpensesAmt01157254
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01584217
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0Total Members 2721 Total Shares $29,734,109 Total Loan Amount $23,275,953
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesOtherGrp/TotalAmt017226
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.75
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0MIKA ELLIOTT
IRS990/Form990PartVIISectionAGrp/PersonNm1SYLVIA SCOTT
IRS990/Form990PartVIISectionAGrp/PersonNm2Stephen Ward
IRS990/Form990PartVIISectionAGrp/PersonNm3Faye Marlowe
IRS990/Form990PartVIISectionAGrp/PersonNm4Brenda Vaughn
IRS990/Form990PartVIISectionAGrp/PersonNm5Ron Wilkerson
IRS990/Form990PartVIISectionAGrp/PersonNm6PAT ESTES
IRS990/Form990PartVIISectionAGrp/PersonNm7LISA MORGAN
IRS990/Form990PartVIISectionAGrp/PersonNm8Judy W Thompson
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chairman Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Sec Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director, Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Credit Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Vice Pres BOD/ CREDIT COMM MBR
IRS990/Form990PartVIISectionAGrp/TitleTxt7President BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt8Treas BOD
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01967
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt01584217
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt00
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InitialReturnInd0X
IRS990/InterestGrp/TotalAmt087176
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0402625
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0402625
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt010161101
IRS990/InvestmentsProgramRelatedGrp/EOYAmt05394101
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0485716
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0284999
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0292024
IRS990/LandBldgEquipCostOrOtherBssAmt0777740
IRS990/LegalDomicileStateCd0NC
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To provide financial services to members at reasonable rates and pay reasonable dividends on savings deposits
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt05654131
IRS990/NetAssetsOrFundBalancesEOYAmt06081094
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt082215
IRS990/OfficeExpensesGrp/TotalAmt0265505
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0302748
IRS990/OtherAssetsTotalGrp/EOYAmt0282821
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt086942
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2EXAM/SUPERVISION FEES
IRS990/OtherExpensesGrp/Desc3MISC/LOSS
IRS990/OtherExpensesGrp/TotalAmt0-44592
IRS990/OtherExpensesGrp/TotalAmt115791
IRS990/OtherExpensesGrp/TotalAmt29588
IRS990/OtherExpensesGrp/TotalAmt318415
IRS990/OtherLiabilitiesGrp/BOYAmt028086564
IRS990/OtherLiabilitiesGrp/EOYAmt029734109
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0498243
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt016962143
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt023136764
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt049982
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt07727
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt026039
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt028780
IRS990/PrincipalOfficerNm0JUDY W THOMPSON TREASURER
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01058658
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1115659
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt27275
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01058658
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1115659
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt27275
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0562088
IRS990/PYOtherExpensesAmt0712838
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0789604
IRS990/PYRevenuesLessExpensesAmt0100000
IRS990/PYSalariesCompEmpBnftPaidAmt0538854
IRS990/PYTotalExpensesAmt01251692
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01351692
IRS990/ReconcilationRevenueExpnssAmt0426963
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05654131
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06081094
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06234806
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06485471
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0154717
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0478745
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0633462
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt033279
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06971
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt040250
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0178208
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1248000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt23000000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31215000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4752893
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0VIZO INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1SIMPLICD INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2BOND INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3FIRST CITIZENS INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4VIZO INVESTMENT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4F
IRS990ScheduleD/LandGrp/BookValueAmt0104028
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0104028
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt029734109
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0292024
IRS990ScheduleD/TotalBookValueProgramRltdAmt05394101
IRS990ScheduleD/TotalBookValueSecuritiesAmt00
IRS990ScheduleD/TotalLiabilityAmt029734109
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD TREASURER TO REVIEW AND SIGN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The organization is diligent in reviewing the annual disclosure forms submitted by covered persons and in compiling and maintaining a list of potentially conflicted entities and individuals. Proposed transactions can then be matched against the list as a means of identifying possible conflicts. The organization identifies a person ultimately responsible for maintaining the list and screening for possible conflicts of interest.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5AS REQUESTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt034358435
IRS990/TotalAssetsEOYAmt036124582
IRS990/TotalAssetsGrp/BOYAmt034358435
IRS990/TotalAssetsGrp/EOYAmt036124582
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01157254
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt028704304
IRS990/TotalLiabilitiesEOYAmt030043488
IRS990/TotalLiabilitiesGrp/BOYAmt028704304
IRS990/TotalLiabilitiesGrp/EOYAmt030043488
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05654131
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06081094
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt01181592
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01584217
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01584217
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt034358435

Document Assets

No mirrored PDF or thumbnail assets are attached yet.