Civic Intelligence

Unknown Organization

990 • Fiscal year 2012 • EIN 57-0470114

Jan 01, 2012 to Dec 31, 2012 • Filed on May 02, 2013

Organization Profile
Post Office Box 532529502
Siviq Scores

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

Liabilities / Assets

49th percentile

0.83x

Higher debt load relative to assets than 49% of similar nonprofits.

2012 filings • 501(c)14 • $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

35th percentile

-0.6%

Faster asset growth than 35% of similar nonprofits.

2012 filings • 501(c)14 • $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 / Assets49th percentile

Assets

Down

$1,395,248

Down $8,944 (-0.6%) from 2011

Net Assets

Up

$234,906

Up $538 (+0.2%) from 2011

Liabilities

Down

$1,160,342

Down $9,482 (-0.8%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$97,511

Up $3,426 (+3.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth35th percentile

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

$1.5M$1.0M$500K$0Assets 2010: $1,428,997Liabilities 2010: $1,193,489Net Assets 2010: $235,5082010Assets 2011: $1,404,192Liabilities 2011: $1,169,824Net Assets 2011: $234,3682011Assets 2012: $1,395,248Liabilities 2012: $1,160,342Net Assets 2012: $234,9062012Assets 2013: $1,245,638Liabilities 2013: $1,011,152Net Assets 2013: $234,4862013

Highlighted filing

2012

Assets$1,395,248
Liabilities$1,160,342
Net Assets$234,906
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100K$50K$0-$50KExpenses 2010: $92,7882010Expenses 2011: $94,0852011Expenses 2012: $97,5112012Revenue 2013: $81,551Expenses 2013: $81,933Net Income 2013: -$3822013

Highlighted filing

2012

Revenue-
Expenses$97,511
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 2, 2013
Return Version
2012v2.1
Gross Receipts
$98,046
Mission and Program Overview

Mission

State chartered credit union

Filing and Contact Details

Filer

EIN
57-0470114
Raw XML Appendix316 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/ActivitiesConductedPartnership0false
IRS990/ActivityOrMissionDescription0STATE CHARTERED CREDIT UNION
IRS990/AddressPrincipalOfficerUS/AddressLine10POST OFFICE BOX 5325
IRS990/AddressPrincipalOfficerUS/City0FLORENCE
IRS990/AddressPrincipalOfficerUS/State0SC
IRS990/AddressPrincipalOfficerUS/ZIPCode0295025325
IRS990/AllOtherExpenses/Total06366
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY054648
IRS990/CashNonInterestBearing/EOY048673
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total05064
IRS990/CompDisqualPersons/Total018560
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0true
IRS990/ComplianceWithBackupWitholding0false
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IRS990/CreditCounseling0false
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IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DescribedIn501C30false
IRS990/Description0DURING THE YEAR, THE CREDIT UNION SERVED ITS' MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. IT ALSO ACCEPTED DEPOSITS AND PAID REASONABLE RATES OF INTEREST ON THOSE DEPOSITS.
IRS990/DisregardedEntity0false
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IRS990/DoNotFollowSFAS1170X
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IRS990/ExcessBusinessHoldings0false
IRS990/Expense097511
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IRS990/FederalGrantAuditRequired0false
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IRS990/ForeignOffice0false
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IRS990/Form8899Filed0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek032.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/NamePerson0JW BAKER JR
IRS990/Form990PartVIISectionA/NamePerson1TASO STOUPENOS
IRS990/Form990PartVIISectionA/NamePerson2RANDALL CREEL
IRS990/Form990PartVIISectionA/NamePerson3DANNY BRADDOCK
IRS990/Form990PartVIISectionA/NamePerson4EDDIE JOHNSON
IRS990/Form990PartVIISectionA/NamePerson5CHRISTINA OSBORN
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization55064
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/Title0PRESIDENT
IRS990/Form990PartVIISectionA/Title1V. PRESIDENT
IRS990/Form990PartVIISectionA/Title2TREASURER
IRS990/Form990PartVIISectionA/Title3SECRETARY
IRS990/Form990PartVIISectionA/Title4BOARD MEMBER
IRS990/Form990PartVIISectionA/Title5MANAGER
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/FundsToPayPremiums0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts098046
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/Interest/Total05750
IRS990/InvestmentIncomeCurrentYear03843
IRS990/InvestmentIncome/ExclusionAmount03843
IRS990/InvestmentIncomePriorYear05668
IRS990/InvestmentIncome/TotalRevenueColumn03843
IRS990/InvestmentInJointVenture0false
IRS990/LandBldgEquipmentAccumDeprec0170465
IRS990/LandBuildingsEquipmentBasis0217455
IRS990/LandBuildingsEquipmentBasisNet/BOY047712
IRS990/LandBuildingsEquipmentBasisNet/EOY046990
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0STATE CHARTERED CREDIT UNION
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0PAT MCCANTS
IRS990/NbrIndependentVotingMembers05
IRS990/NbrVotingGoverningBodyMembers05
IRS990/NbrVotingMembersGoverningBody05
IRS990/NetAssetsOrFundBalancesBOY0234368
IRS990/NetAssetsOrFundBalancesEOY0234906
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith1096057
IRS990/NumberIndependentVotingMembers05
IRS990/NumberOfEmployees04
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total019524
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY07476
IRS990/OtherAssetsTotal/EOY07665
IRS990/OtherEmployeeBenefits/Total02873
IRS990/OtherExpensePriorYear055106
IRS990/OtherExpensesCurrentYear056995
IRS990/OtherExpenses/Description0OFFICE OPERATING EXPENSE
IRS990/OtherExpenses/Description1MEMBER INSURANCE
IRS990/OtherExpenses/Description2PROFESSIONAL & O/S SERVIC
IRS990/OtherExpenses/Description3ASSOCIATION DUES
IRS990/OtherExpenses/Total016617
IRS990/OtherExpenses/Total13629
IRS990/OtherExpenses/Total22900
IRS990/OtherExpenses/Total32209
IRS990/OtherLiabilities/BOY01169824
IRS990/OtherLiabilities/EOY01160342
IRS990/OtherNotesLoansReceivableNet/BOY0653946
IRS990/OtherNotesLoansReceivableNet/EOY0594011
IRS990/OtherRevenueCurrentYear016608
IRS990/OtherRevenueMisc/BusinessCode0522100
IRS990/OtherRevenueMisc/Description0OTHER NON OPERATING INCOME
IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome016608
IRS990/OtherRevenueMisc/TotalRevenueColumn016608
IRS990/OtherRevenuePriorYear09000
IRS990/OtherSalariesAndWages/Total014019
IRS990/PartialLiquidation0false
IRS990/PoliticalActivities0false
IRS990/PremiumsPaid0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522291
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenueCY077595
IRS990/ProgramServiceRevenue/Description0INTEREST ON LOANS
IRS990/ProgramServiceRevenue/Description1OPERATING INCOME
IRS990/ProgramServiceRevenuePriorYear078277
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome074786
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome12809
IRS990/ProgramServiceRevenue/TotalRevenueColumn074786
IRS990/ProgramServiceRevenue/TotalRevenueColumn12809
IRS990/ProhibitedTaxShelterTrans0false
IRS990/QuidProQuoContributions0false
IRS990/ReconcilationOtherChanges03
IRS990/ReconcilationRevenueExpenses0535
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY0234368
IRS990/RetainedEarningsEndowmentEtc/EOY0234906
IRS990/RevenuesLessExpensesCY0535
IRS990/RevenuesLessExpensesPriorYear0-1140
IRS990/SalariesEtcCurrentYear040516
IRS990/SalariesEtcPriorYear038979
IRS990/SavingsAndTempCashInvestments/BOY0640410
IRS990/SavingsAndTempCashInvestments/EOY0697909
IRS990/ScheduleBRequired0false
IRS990ScheduleD/Buildings/BookValue01909
IRS990ScheduleD/Buildings/Depreciation0160657
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis0162566
IRS990ScheduleD/Equipment/BookValue01001
IRS990ScheduleD/Equipment/Depreciation09808
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis010809
IRS990ScheduleD/Land/BookValue044080
IRS990ScheduleD/Land/OtherCostOrOtherBasis044080
IRS990ScheduleD/OtherLiabilities/Amount01155612
IRS990ScheduleD/OtherLiabilities/Amount12883
IRS990ScheduleD/OtherLiabilities/Amount21847
IRS990ScheduleD/OtherLiabilities/Description0SHARES
IRS990ScheduleD/OtherLiabilities/Description1DIVIDENDS/INTEREST ON SHARES/DEPOSIT
IRS990ScheduleD/OtherLiabilities/Description2OTHER LIABILITIES
IRS990ScheduleD/TotalOfAmounts01160342
IRS990ScheduleD/TotalOfBookValueLandBuildings046990
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0SIXTH POSTAL CREDIT UNION'S MEMBER BASE IS MADE UP OF POST OFFICE EMPLOYEES AND IMMEDIATE FAMILY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1AT THE CREDIT UNION'S ANNUAL MEETINGS, THE MEMBERSHIP ELECTS THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE ORGANIZATION REVIEWS THE FORM 990 TO ENSURE THAT THERE ARE NO OMISSIONS OR MISSTATEMENTS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE BOARD OF DIRECTORS APPROVES THE MANAGER'S SALARY.
IRS990ScheduleO/GeneralExplanation/Explanation4THE BOARD OF DIRECTORS APPROVES THE CUSTOMER SERVICE REPRESENTATIVE'S SALARY.
IRS990ScheduleO/GeneralExplanation/Explanation5GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. PERSONS MAY COME INTO THE CREDIT UNION AND REQUEST A COPY OF ANY OF OUR GOVERNING DOCUMENTS. SOME DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY.
IRS990ScheduleO/GeneralExplanation/Explanation6ROUNDING 3
IRS990ScheduleO/GeneralExplanation/Identifier0CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier1ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier2ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier3COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier4COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier5GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier6OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART XI, LINE 9
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IRS990/SubjectToProxyTax0false
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IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
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IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10191 S CASHUA DRIVE
IRS990/TheBooksAreInCareOf/AddressUS/City0FLORENCE
IRS990/TheBooksAreInCareOf/AddressUS/State0SC
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode029501
IRS990/TheBooksAreInCareOf/NamePerson0CHRISTINA OSBORN
IRS990/TheBooksAreInCareOf/TelephoneNumber08436691300
IRS990/TotalAssets/BOY01404192
IRS990/TotalAssetsBOY01404192
IRS990/TotalAssets/EOY01395248
IRS990/TotalAssetsEOY01395248
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear097511
IRS990/TotalExpensesPriorYear094085
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
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IRS990/TotalGrossUBI00
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IRS990/TotalLiabilitiesBOY01169824
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IRS990/TotalLiabilitiesEOY01160342
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IRS990/TotalLiabNetAssetsFundBalances/EOY01395248
IRS990/TotalNbrEmployees04
IRS990/TotalNbrVolunteers05
IRS990/TotalNetAssetsFundBalances/BOY0234368
IRS990/TotalNetAssetsFundBalances/EOY0234906
IRS990/TotalOtherRevenue016608
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceExpense097511
IRS990/TotalProgramServiceRevenue077595
IRS990/TotalReportableCompFromOrg05064
IRS990/TotalRevenueCurrentYear098046
IRS990/TotalRevenue/ExclusionAmount03843
IRS990/TotalRevenuePriorYear092945
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome094203
IRS990/TotalRevenue/TotalRevenueColumn098046
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0false
IRS990/UponRequest0X
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01963
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0570470114
ReturnHeader/Filer/Name/BusinessNameLine10SIXTH POSTAL CREDIT UNION
ReturnHeader/Filer/NameControl0CRED
ReturnHeader/Filer/Phone08436691300
ReturnHeader/Filer/USAddress/AddressLine10POST OFFICE BOX 5325
ReturnHeader/Filer/USAddress/City0FLORENCE
ReturnHeader/Filer/USAddress/State0SC
ReturnHeader/Filer/USAddress/ZIPCode029502
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-05-02
ReturnHeader/Officer/Name0CHRISTINA OSBORN
ReturnHeader/Officer/Phone08436691300
ReturnHeader/Officer/Title0MANAGER
ReturnHeader/Preparer/DatePrepared02013-05-14
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10CANTEY TILLER PIERCE & GREEN LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10PO BOX 862
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CAMDEN
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0SC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode029021
ReturnHeader/Preparer/Name0JANET M PIERCE
ReturnHeader/Preparer/Phone08034321436
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-14T12:07:45-05:00

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
$1,395,248
Liabilities
$1,160,342
Net assets
$234,906
Revenue
-
Expenses
$97,511
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$1.25$1.01$0.23$0.08$0.08$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.40$1.16$0.23$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.40$1.17$0.23$0.09
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.43$1.19$0.24$0.09