Civic Intelligence

Santee Cooper Credit Union

EIN 57-0379898 • 501(c)14 • Moncks Corner, SC

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Profile

Santee cooper credit union is a state chartered credit union providing two primary needs. The first is that of providing a convenient depository for its members' funds whereby individuals may engage in a systematic plan of savings and earn a competitive rate of return. Secondly, the credit union serves as a source of financial assistance to aid its members with their consumer and financial needs by providing reasonable and afforable loans to qualified members.

612 Rembert C Dennis BlvdMoncks Corner, SC 29461

www.santeecoopercreditunion.com

Siviq Scores

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

Liabilities / Assets

36th percentile

0.87x

Higher debt load relative to assets than 36% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2023

Liabilities / Revenue

37th percentile

15.43x

Higher debt load relative to revenue than 37% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2023

Net Margin

95th percentile

33%

Higher net margin than 95% of similar nonprofits.

501(c)14 • $50M-$100M 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

65th percentile

2.4%

Faster asset growth than 65% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Revenue Growth

97th percentile

40%

Faster revenue growth than 97% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets36th percentile

Assets

Down

$77,885,740

Down $2,126,544 (-2.7%) from 2023

Liabilities

Down

$65,564,825

Down $3,825,394 (-5.5%) from 2023

Net Assets

Up

$12,320,915

Up $1,698,850 (+16%) from 2023

Operations
Liabilities / Revenue37th percentileNet Margin95th percentile

Revenue

Up

$5,458,788

Up $961,606 (+21%) from 2023

Expenses

Up

$3,778,599

Up $764,676 (+25%) from 2023

Net Income

Up

$1,680,189

Up $196,930 (+13%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth65th percentile

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

$100M$50M$0Assets 2010: $36,819,530Liabilities 2010: $32,999,276Net Assets 2010: $3,820,2542010Assets 2011: $39,592,103Liabilities 2011: $35,642,029Net Assets 2011: $3,950,0742011Assets 2012: $41,688,453Liabilities 2012: $37,701,643Net Assets 2012: $3,986,8102012Assets 2013: $43,913,351Liabilities 2013: $39,858,638Net Assets 2013: $4,054,7132013Assets 2014: $47,742,980Liabilities 2014: $43,435,748Net Assets 2014: $4,307,2322014Assets 2015: $49,531,379Liabilities 2015: $44,835,765Net Assets 2015: $4,695,6142015Assets 2016: $49,023,765Liabilities 2016: $43,986,013Net Assets 2016: $5,037,7522016Assets 2017: $53,584,686Liabilities 2017: $47,909,756Net Assets 2017: $5,674,9302017Assets 2018: $53,426,590Liabilities 2018: $47,075,387Net Assets 2018: $6,351,2032018Assets 2019: $58,270,340Liabilities 2019: $51,182,253Net Assets 2019: $7,088,0872019Assets 2020: $66,192,135Liabilities 2020: $58,542,674Net Assets 2020: $7,649,4612020Assets 2021: $74,751,684Liabilities 2021: $66,409,424Net Assets 2021: $8,342,2602021Assets 2022: $78,167,946Liabilities 2022: $69,029,140Net Assets 2022: $9,138,8062022Assets 2023: $80,012,284Liabilities 2023: $69,390,219Net Assets 2023: $10,622,0652023Assets 2024: $77,885,740Liabilities 2024: $65,564,825Net Assets 2024: $12,320,9152024

Highlighted filing

2024

Assets$77,885,740
Liabilities$65,564,825
Net Assets$12,320,915
Open 2024 Filing

Operations Trend

Revenue Growth97th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $1,982,7142010Expenses 2011: $1,972,1722011Expenses 2012: $1,994,2532012Revenue 2013: $2,055,969Expenses 2013: $1,982,966Net Income 2013: $73,0032013Revenue 2014: $2,151,660Expenses 2014: $1,899,141Net Income 2014: $252,5192014Revenue 2015: $2,270,907Expenses 2015: $1,882,524Net Income 2015: $388,3832015Revenue 2016: $2,309,330Expenses 2016: $1,967,192Net Income 2016: $342,1382016Revenue 2017: $2,705,337Expenses 2017: $2,068,159Net Income 2017: $637,1782017Revenue 2018: $2,818,741Expenses 2018: $2,142,468Net Income 2018: $676,2732018Revenue 2019: $3,011,848Expenses 2019: $2,274,964Net Income 2019: $736,8842019Revenue 2020: $2,924,278Expenses 2020: $2,362,904Net Income 2020: $561,3742020Revenue 2021: $2,962,772Expenses 2021: $2,269,973Net Income 2021: $692,7992021Revenue 2022: $3,214,849Expenses 2022: $2,418,303Net Income 2022: $796,5462022Revenue 2023: $4,497,182Expenses 2023: $3,013,923Net Income 2023: $1,483,2592023Revenue 2024: $5,458,788Expenses 2024: $3,778,599Net Income 2024: $1,680,1892024

Highlighted filing

2024

Revenue$5,458,788
Expenses$3,778,599
Net Income$1,680,189
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$77,885,740
Liabilities
$65,564,825
Net assets
$12,320,915
Revenue
$5,458,788
Expenses
$3,778,599
Net income
$1,680,189
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$77.9$65.6$12.3$5.46$3.78$1.68
2023Detailed filing. Detailed filing data is available for this year.$80.0$69.4$10.6$4.50$3.01$1.48
2022Detailed filing. Detailed filing data is available for this year.$78.2$69.0$9.14$3.21$2.42$0.80
2021Detailed filing. Detailed filing data is available for this year.$74.8$66.4$8.34$2.96$2.27$0.69
2020Detailed filing. Detailed filing data is available for this year.$66.2$58.5$7.65$2.92$2.36$0.56
2019Detailed filing. Detailed filing data is available for this year.$58.3$51.2$7.09$3.01$2.27$0.74
2018Detailed filing. Detailed filing data is available for this year.$53.4$47.1$6.35$2.82$2.14$0.68
2017Detailed filing. Detailed filing data is available for this year.$53.6$47.9$5.67$2.71$2.07$0.64
2016Detailed filing. Detailed filing data is available for this year.$49.0$44.0$5.04$2.31$1.97$0.34
2015Detailed filing. Detailed filing data is available for this year.$49.5$44.8$4.70$2.27$1.88$0.39
2014Detailed filing. Detailed filing data is available for this year.$47.7$43.4$4.31$2.15$1.90$0.25
2013Detailed filing. Detailed filing data is available for this year.$43.9$39.9$4.05$2.06$1.98$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.7$37.7$3.99$1.99
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.6$35.6$3.95$1.97
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.8$33.0$3.82$1.98
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 1, 2025
Return Version
2024v5.0
Gross Receipts
$5,458,788
Mission and Program Overview

Mission

Santee cooper credit union is a state chartered credit union providing two primary needs. The first is that of providing a convenient depository for its members' funds whereby individuals may engage in a systematic plan of savings and earn a competitive rate of return. Secondly, the credit union serves as a source of financial assistance to aid its members with their consumer and financial needs by providing reasonable and afforable loans to qualified members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$50,845,191$54,157,686▲ $3,312,495
Savings and Temporary Cash Investments$26,547,535$21,288,051▼ $5,259,484
Rtn Earn Endowment Incm Other Fnds$10,622,065$12,320,915▲ $1,698,850
Cash and Non-Interest-Bearing Accounts$1,042,463$775,370▼ $267,093
Land, Buildings, and Equipment, Net$662,777$709,403▲ $46,626
Prepaid Expenses and Deferred Charges$33,556$51,539▲ $17,983
Accounts Receivable$44,957$20,614▼ $24,343
Total Assets$80,012,284$77,885,740▼ $2,126,544
Other Assets Total$835,805$883,077▲ $47,272
Liabilities
Other Liabilities$68,597,152$64,562,362▼ $4,034,790
Accounts Payable and Accrued Expenses$793,067$1,002,463▲ $209,396
Total Liabilities$69,390,219$65,564,825▼ $3,825,394
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,622,065$12,320,915▲ $1,698,850
Total Liabilities and Net Assets / Fund Balance$80,012,284$77,885,740▼ $2,126,544

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$348,759$743,472$1,092,231
Equipment$51,754$458,036$509,790
Land$253,823-$253,823
Other Land Buildings$55,067$3,933$59,000
Leasehold Improvements-$24,406$24,406
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Nancy M JonesInterim PresFT$124,653$124,653
Rhonda RosenbergerVice PresideFT$102,155$102,155

Board Members and Trustees

NameTitle
Rosa Lee DeaversChair
Karen WhaleyVice Chair
Chris WilsonBoard Member
John FondrenBoard Member
Vernon HardeeBoard Member
William FinnBoard Member
William K BarlowBoard Member
Yajaira BessSecretary
Denny ThompsonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu AnswersData Processor4635 44TH ST SE, PO BOX 100300, Kentwood, MI 49512$203,159
Blue Cross Blue ShieldHealth InsurancPO BOX 100300, Columbia, SC 29202$185,273
A & I CorporationContractor1536 AMERICAN WAY, Myrtle Beach, SC 29577$172,298
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,134,512
Investment Income
$968,752
Other Revenue
$1,355,524
Change in Net Assets
$1,680,189
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,217,173
Salaries, Compensation, and Employee Benefits$1,561,426
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,097,279$121,920-$1,219,199
Interest$799,892--$799,892
Other Employee Benefits$207,508$23,057-$230,565
All Other Expenses$216,499--$216,499
Fees for Services Other$174,987$16,451-$191,438
Occupancy$186,789--$186,789
Pension Plan Contributions$111,662--$111,662
Travel$103,398--$103,398
Advertising$94,981--$94,981
Depreciation Depletion$73,960--$73,960
Other Expenses$56,625--$56,625
Conferences and Meetings$2,512--$2,512
Total Functional Expenses$3,617,171$161,428$0$3,778,599
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$64,562,362
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
Yes
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

“The organization has approximately 6,940 members. Each member has a 5 share deposit and is entitled to one vote for the governing body/board of directors.”

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

“Members of the credit union elect those positions that have to be filled when a board member's term is completed. They can choose to re-elect the same board member if the person chooses to continue to fulfill this duty or a different person to fill the position.”

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

“The accounting coordinator, antuan cromedy, and the interim ceo, nancy m jones, review the form 990 and make necessary changes before filing.”

Form 990, Page 6, Part VI, Line 15A

“The compensation of the ceo of the credit union is reviewed yearly by the board of directors. Compensation is based on market research, the goals completed in the previous year, and the overal health and stability of the credit union.”

Form 990, Page 6, Part VI, Line 19

“Copies of financial statements are posted within the branch of santee cooper credit union every month. The state board of financial institutions holds the santee cooper credit union's charter and other governing documents. These are available for anyone upon request. The santee cooper credit union also provides quarterly newlsetters. Any specific info such as conflict of interest policies are available upon request.”

Filing and Contact Details

Filer

Filer Name
Santee Cooper Credit Union
EIN
57-0379898
Phone
8437614001
Address
612 REMBERT C DENNIS BLVD, MONCKS CORNER, SC 29461

Signing Officer

Name
Travis L Allen
Title
President/CEO
Phone
8437614001
Signed
2025-05-01

Organization Details

Principal Officer
Travis L Allen
Formed
1953
Legal Domicile
Sc
Voting Board Members
9
Independent Board Members
9
Employees
26

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 - ORGANIZATION'S MISSION

“Santee cooper credit union is a state chartered credit union providing two primary needs. The first is that of providing a convenient depository for its members' funds whereby individuals may engage in a systematic plan of savings and earn a competitive rate of return. Secondly, the credit union serves as a source of financial assistance to aid its members with their consumer and financial needs by providing reasonable and afforable loans to qualified members.”

Form 990, Part XI, Line 9

“Unrealized gain/loss on investments 18,661”

Raw XML Appendix388 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/MissionDesc0SANTEE COOPER CREDIT UNION IS A STATE CHARTERED CREDIT UNION PROVIDING TWO PRIMARY NEEDS. THE FIRST IS THAT OF PROVIDING A CONVENIENT DEPOSITORY FOR ITS MEMBERS' FUNDS WHEREBY INDIVIDUALS MAY ENGAGE IN A SYSTEMATIC PLAN OF SAVINGS AND EARN A COMPETITIVE RATE OF RETURN. SECONDLY, THE CREDIT UNION SERVES AS A SOURCE OF FINANCIAL ASSISTANCE TO AID ITS MEMBERS WITH THEIR CONSUMER AND FINANCIAL NEEDS BY PROVIDING REASONABLE AND AFFORABLE LOANS TO QUALIFIED MEMBERS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SANTEE COOPER CREDIT UNION IS A STATE CHARTERED CREDIT UNION PROVIDING TWO PRIMARY NEEDS. THE FIRST IS THAT OF PROVIDING A CONVENIENT DEPOSITORY FOR ITS MEMBERS' FUNDS WHEREBY INDIVIDUALS MAY ENGAGE IN A SYSTEMATIC PLAN OF SAVINGS AND EARN A COMPETITIVE RATE OF RETURN. SECONDLY, THE CREDIT UNION SERVES AS A SOURCE OF FINANCIAL ASSISTANCE TO AID ITS MEMBERS WITH THEIR CONSUMER AND FINANCIAL NEEDS BY PROVIDING REASONABLE AND AFFORABLE LOANS TO QUALIFIED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS APPROXIMATELY 6,940 MEMBERS. EACH MEMBER HAS A 5 SHARE DEPOSIT AND IS ENTITLED TO ONE VOTE FOR THE GOVERNING BODY/BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION ELECT THOSE POSITIONS THAT HAVE TO BE FILLED WHEN A BOARD MEMBER'S TERM IS COMPLETED. THEY CAN CHOOSE TO RE-ELECT THE SAME BOARD MEMBER IF THE PERSON CHOOSES TO CONTINUE TO FULFILL THIS DUTY OR A DIFFERENT PERSON TO FILL THE POSITION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ACCOUNTING COORDINATOR, ANTUAN CROMEDY, AND THE INTERIM CEO, NANCY M JONES, REVIEW THE FORM 990 AND MAKE NECESSARY CHANGES BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE COMPENSATION OF THE CEO OF THE CREDIT UNION IS REVIEWED YEARLY BY THE BOARD OF DIRECTORS. COMPENSATION IS BASED ON MARKET RESEARCH, THE GOALS COMPLETED IN THE PREVIOUS YEAR, AND THE OVERAL HEALTH AND STABILITY OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COPIES OF FINANCIAL STATEMENTS ARE POSTED WITHIN THE BRANCH OF SANTEE COOPER CREDIT UNION EVERY MONTH. THE STATE BOARD OF FINANCIAL INSTITUTIONS HOLDS THE SANTEE COOPER CREDIT UNION'S CHARTER AND OTHER GOVERNING DOCUMENTS. THESE ARE AVAILABLE FOR ANYONE UPON REQUEST. THE SANTEE COOPER CREDIT UNION ALSO PROVIDES QUARTERLY NEWLSETTERS. ANY SPECIFIC INFO SUCH AS CONFLICT OF INTEREST POLICIES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6UNREALIZED GAIN/LOSS ON INVESTMENTS 18,661
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
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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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
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ReturnHeader/ReturnTs02025-05-12T14:23:13-04:00
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ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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