Civic Intelligence

Bradley Initiative Credit Union

990 • Fiscal year 2018 • EIN 57-1135349

Jan 01, 2018 to Dec 31, 2018 • Filed on May 19, 2019

Organization Profile
1075 Blythe Avenue SECleveland, TN 37311

(423) 559-1181

Siviq Scores

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

Liabilities / Assets

8th percentile

0.00x

Higher debt load relative to assets than 8% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

12th percentile

0.07x

Higher debt load relative to revenue than 12% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Net Margin

68th percentile

11%

Higher net margin than 68% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

23rd percentile

$0

Higher top officer pay than 23% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Asset Growth

47th percentile

-1.9%

Faster asset growth than 47% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

9th percentile

-10%

Faster revenue growth than 9% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets8th percentile

Assets

Down

$3,345,960

Down $65,918 (-1.9%) from 2017

Net Assets

Down

$3,332,440

Down $67,694 (-2.0%) from 2017

Liabilities

Up

$13,520

Up $1,776 (+15%) from 2017

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin68th percentile

Revenue

Down

$195,799

Down $22,855 (-10%) from 2017

Expenses

Down

$174,502

Down $13,322 (-7.1%) from 2017

Net Income

Down

$21,297

Down $9,533 (-31%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $2,203,716Liabilities 2010: $316,732Net Assets 2010: $1,886,9842010Assets 2011: $2,076,060Liabilities 2011: $179,742Net Assets 2011: $1,896,3182011Assets 2012: $2,102,403Liabilities 2012: $203,482Net Assets 2012: $1,898,9212012Assets 2013: $1,997,404Liabilities 2013: $8,198Net Assets 2013: $1,989,2062013Assets 2014: $2,052,005Liabilities 2014: $35,123Net Assets 2014: $2,016,8822014Assets 2015: $2,597,853Liabilities 2015: $21,068Net Assets 2015: $2,576,7852015Assets 2016: $2,960,308Liabilities 2016: $12,407Net Assets 2016: $2,947,9012016Assets 2017: $3,411,878Liabilities 2017: $11,744Net Assets 2017: $3,400,1342017Assets 2018: $3,345,960Liabilities 2018: $13,520Net Assets 2018: $3,332,4402018Assets 2019: $3,530,459Liabilities 2019: $7,168Net Assets 2019: $3,523,2912019Assets 2021: $3,959,587Liabilities 2021: $17,213Net Assets 2021: $3,942,3742021Assets 2022: $3,678,260Liabilities 2022: $15,382Net Assets 2022: $3,662,8782022Assets 2023: $3,669,137Liabilities 2023: $22,920Net Assets 2023: $3,646,2172023Assets 2024: $3,451,897Liabilities 2024: $10,066Net Assets 2024: $3,441,8312024

Highlighted filing

2018

Assets$3,345,960
Liabilities$13,520
Net Assets$3,332,440
Open 2018 Filing

Operations Trend

Revenue Growth9th percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $216,8112010Expenses 2011: $163,4182011Expenses 2012: $158,3562012Revenue 2013: $166,640Expenses 2013: $163,193Net Income 2013: $3,4472013Revenue 2014: $198,917Expenses 2014: $171,241Net Income 2014: $27,6762014Revenue 2015: $193,459Expenses 2015: $164,774Net Income 2015: $28,6852015Revenue 2016: $198,724Expenses 2016: $184,238Net Income 2016: $14,4862016Revenue 2017: $218,654Expenses 2017: $187,824Net Income 2017: $30,8302017Revenue 2018: $195,799Expenses 2018: $174,502Net Income 2018: $21,2972018Revenue 2019: $191,510Expenses 2019: $179,537Net Income 2019: $11,9732019Revenue 2021: $174,284Expenses 2021: $165,407Net Income 2021: $8,8772021Revenue 2022: $162,354Expenses 2022: $191,170Net Income 2022: -$28,8162022Revenue 2023: $215,201Expenses 2023: $200,814Net Income 2023: $14,3872023Revenue 2024: $226,278Expenses 2024: $220,355Net Income 2024: $5,9232024

Highlighted filing

2018

Revenue$195,799
Expenses$174,502
Net Income$21,297
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 19, 2019
Return Version
2018v3.1
Gross Receipts
$195,799
Mission and Program Overview

Mission

provide credit union services to community development population

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$3,400,134$3,332,440▼ $67,694
Accounts Receivable$1,452,327$1,378,614▼ $73,713
Savings and Temporary Cash Investments$1,262,410$1,263,566▲ $1,156
Cash and Non-Interest-Bearing Accounts$684,814$691,941▲ $7,127
Prepaid Expenses and Deferred Charges$8,202$10,392▲ $2,190
Land, Buildings, and Equipment, Net$4,125$1,447▼ $2,678
Total Assets$3,411,878$3,345,960▼ $65,918
Liabilities
Accounts Payable and Accrued Expenses$4,510$7,827▲ $3,317
Other Liabilities$7,234$5,693▼ $1,541
Total Liabilities$11,744$13,520▲ $1,776
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,400,134$3,332,440▼ $67,694
Total Liabilities and Net Assets / Fund Balance$3,411,878$3,345,960▼ $65,918

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,447$10,455$11,902
Compensation and Service Providers
Top Officer Pay23rd percentile

Board Members and Trustees

NameTitle
Denis Collinspresident
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$148,309
Investment Income
$17,552
Other Revenue
$29,938
Change in Net Assets
$21,297
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$94,481
Other Expenses$80,021
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$65,110--$65,110
Office Expenses$29,575--$29,575
Comp Disqual Persons$12,857--$12,857
Other Employee Benefits$9,319--$9,319
Payroll Taxes$7,195--$7,195
Other Expenses$7,118--$7,118
All Other Expenses$5,503--$5,503
Fees for Services Accounting$4,825--$4,825
Occupancy$2,572--$2,572
Conferences and Meetings$1,059--$1,059
Total Functional Expenses$174,502$0$0$174,502
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
Federal income taxes$3,660
taxes payable$2,033
accrued expenses-
deferred revenue-
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section 11, Line 1

“Reviewed draft copy”

Filing and Contact Details

Filer

Filer Name
Smart Choice Credit Union
EIN
57-1135349
Phone
4235591181
Address
1075 Blythe Avenue SE, Cleveland, TN 37311

Signing Officer

Name
Denis L Collins
Title
president
Signed
2019-05-19
Discuss with paid preparer
No

Organization Details

Principal Officer
Denis Collins
Formed
2003
Legal Domicile
Tn
Voting Board Members
1,585
Independent Board Members
1,585
Employees
3

Preparer

Firm
RL George CPA
Address
PO Box 3955, Cleveland, TN 37320
Preparer
Robert L George CPA
Phone
4237160643
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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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ReturnHeader/Filer/PhoneNum04235591181
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ReturnHeader/FilingSecurityInformation/IPTm022:45:21
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 3955
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Cleveland
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd037320
ReturnHeader/PreparerPersonGrp/PhoneNum04237160643
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ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02019-05-19T07:19:02-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,345,960
Liabilities
$13,520
Net assets
$3,332,440
Revenue
$195,799
Expenses
$174,502
Net income
$21,297
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.45$0.01$3.44$0.23$0.22$0.01
2023Detailed filing. Detailed filing data is available for this year.$3.67$0.02$3.65$0.22$0.20$0.01
2022Detailed filing. Detailed filing data is available for this year.$3.68$0.02$3.66$0.16$0.19$0.03
2021Detailed filing. Detailed filing data is available for this year.$3.96$0.02$3.94$0.17$0.17$0.01
2019Detailed filing. Detailed filing data is available for this year.$3.53$0.01$3.52$0.19$0.18$0.01
2018Detailed filing. Detailed filing data is available for this year.$3.35$0.01$3.33$0.20$0.17$0.02
2017Detailed filing. Detailed filing data is available for this year.$3.41$0.01$3.40$0.22$0.19$0.03
2016Detailed filing. Detailed filing data is available for this year.$2.96$0.01$2.95$0.20$0.18$0.01
2015Detailed filing. Detailed filing data is available for this year.$2.60$0.02$2.58$0.19$0.16$0.03
2014Detailed filing. Detailed filing data is available for this year.$2.05$0.04$2.02$0.20$0.17$0.03
2013Detailed filing. Detailed filing data is available for this year.$2.00$0.01$1.99$0.17$0.16$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.10$0.20$1.90$0.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.08$0.18$1.90$0.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.20$0.32$1.89$0.22