Civic Intelligence

Bradley Initiative Credit Union

990 • Fiscal year 2019 • EIN 57-1135349

Jan 01, 2019 to Dec 31, 2019 • Filed on May 28, 2020

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

7th percentile

0.00x

Higher debt load relative to assets than 7% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

6th percentile

0.04x

Higher debt load relative to revenue than 6% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

50th percentile

6.3%

Higher net margin than 50% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

26th percentile

$0

Higher top officer pay than 26% of similar nonprofits.

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

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

85th percentile

5.5%

Faster asset growth than 85% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

27th percentile

-2.2%

Faster revenue growth than 27% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets7th percentile

Assets

Up

$3,530,459

Up $184,499 (+5.5%) from 2018

Net Assets

Up

$3,523,291

Up $190,851 (+5.7%) from 2018

Liabilities

Down

$7,168

Down $6,352 (-47%) from 2018

Revenue And Expenses
Liabilities / Revenue6th percentileNet Margin50th percentile

Revenue

Down

$191,510

Down $4,289 (-2.2%) from 2018

Expenses

Up

$179,537

Up $5,035 (+2.9%) from 2018

Net Income

Down

$11,973

Down $9,324 (-44%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth85th 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

2019

Assets$3,530,459
Liabilities$7,168
Net Assets$3,523,291
Open 2019 Filing

Operations Trend

Revenue Growth27th 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

2019

Revenue$191,510
Expenses$179,537
Net Income$11,973
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 28, 2020
Return Version
2019v5.1
Gross Receipts
$191,510
Mission and Program Overview

Mission

provide credit union services to community development population

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$3,332,440$3,523,291▲ $190,851
Accounts Receivable$1,378,614$1,370,059▼ $8,555
Savings and Temporary Cash Investments$1,263,566$1,338,064▲ $74,498
Cash and Non-Interest-Bearing Accounts$691,941$796,123▲ $104,182
Prepaid Expenses and Deferred Charges$10,392$6,043▼ $4,349
Land, Buildings, and Equipment, Net$1,447$886▼ $561
Total Assets$3,345,960$3,530,459▲ $184,499
Other Assets Total-$19,284-
Liabilities
Accounts Payable and Accrued Expenses$7,827$4,666▼ $3,161
Other Liabilities$5,693$2,502▼ $3,191
Total Liabilities$13,520$7,168▼ $6,352
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,332,440$3,523,291▲ $190,851
Total Liabilities and Net Assets / Fund Balance$3,345,960$3,530,459▲ $184,499

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$886$11,016$11,902
Compensation and Service Providers
Top Officer Pay26th percentile

Board Members and Trustees

NameTitle
Denis Collinspresident
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$140,909
Investment Income
$22,016
Other Revenue
$28,585
Change in Net Assets
$11,973
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$90,949
Salaries, Compensation, and Employee Benefits$88,588
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$28,990--$28,990
Comp Disqual Persons$13,693--$13,693
All Other Expenses$8,567--$8,567
Payroll Taxes$6,028--$6,028
Other Expenses$4,671--$4,671
Other Employee Benefits$3,757--$3,757
Occupancy$2,572--$2,572
Fees for Services Accounting$2,096--$2,096
Conferences and Meetings$425--$425
Total Functional Expenses$179,537$0$0$179,537
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$1,651
taxes payable$851
accrued expenses-
deferred revenue-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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
2020-05-28
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
Volunteers
7

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/PreparerFirmGrp/PreparerUSAddress/ZIPCd037320
ReturnHeader/PreparerPersonGrp/PhoneNum04237160643
ReturnHeader/PreparerPersonGrp/PreparationDt02020-05-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robert L George CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-05-28T09:31:56-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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Filings

Displayed year

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

Open filing
Assets
$3,530,459
Liabilities
$7,168
Net assets
$3,523,291
Revenue
$191,510
Expenses
$179,537
Net income
$11,973
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