Civic Intelligence

Macon Fireman'S Credit Union

990 • Fiscal year 2013 • EIN 58-0689507

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 13, 2014

Organization ProfileN/A
899 Oglethorpe Street31217

(478) 741-4006

Siviq Scores

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

Liabilities / Assets

31st percentile

0.77x

Higher debt load relative to assets than 31% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

27th percentile

11.95x

Higher debt load relative to revenue than 27% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

81st percentile

14%

Higher net margin than 81% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

71st percentile

$45,248

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 15.2% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

68th percentile

3.2%

Faster asset growth than 68% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$4,600,245

Up $143,416 (+3.2%) from 2012

Net Assets

Up

$1,038,872

Up $40,032 (+4.0%) from 2012

Liabilities

Up

$3,561,373

Up $103,384 (+3.0%) from 2012

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin81st percentile

Revenue

$297,916

No earlier filing loaded for comparison.

Expenses

Up

$254,728

Up $53,680 (+27%) from 2012

Net Income

$43,188

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $3,757,768Liabilities 2011: $2,866,623Net Assets 2011: $891,1452011Assets 2012: $4,456,829Liabilities 2012: $3,457,989Net Assets 2012: $998,8402012Assets 2013: $4,600,245Liabilities 2013: $3,561,373Net Assets 2013: $1,038,8722013Assets 2014: $4,665,710Liabilities 2014: $3,537,127Net Assets 2014: $1,128,5832014Assets 2015: $4,565,218Liabilities 2015: $3,346,350Net Assets 2015: $1,218,8682015Assets 2016: $4,669,494Liabilities 2016: $3,414,430Net Assets 2016: $1,255,0642016Assets 2017: $4,852,288Liabilities 2017: $3,556,992Net Assets 2017: $1,295,2962017Assets 2018: $4,927,055Liabilities 2018: $3,600,318Net Assets 2018: $1,326,7372018Assets 2019: $4,729,380Liabilities 2019: $3,385,065Net Assets 2019: $1,344,3152019Assets 2020: $4,776,289Liabilities 2020: $3,418,760Net Assets 2020: $1,357,5292020Assets 2021: $5,257,201Liabilities 2021: $3,884,971Net Assets 2021: $1,372,2302021Assets 2022: $5,419,779Liabilities 2022: $4,023,429Net Assets 2022: $1,396,3502022Assets 2023: $5,021,195Liabilities 2023: $3,574,295Net Assets 2023: $1,446,9002023Assets 2024: $4,956,465Liabilities 2024: $3,493,279Net Assets 2024: $1,463,1862024

Highlighted filing

2013

Assets$4,600,245
Liabilities$3,561,373
Net Assets$1,038,872
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0Expenses 2011: $217,9732011Expenses 2012: $201,0482012Revenue 2013: $297,916Expenses 2013: $254,728Net Income 2013: $43,1882013Revenue 2014: $295,008Expenses 2014: $205,297Net Income 2014: $89,7112014Revenue 2015: $299,244Expenses 2015: $208,959Net Income 2015: $90,2852015Revenue 2016: $264,737Expenses 2016: $242,120Net Income 2016: $22,6172016Revenue 2017: $256,135Expenses 2017: $215,903Net Income 2017: $40,2322017Revenue 2018: $535,981Expenses 2018: $248,843Net Income 2018: $287,1382018Revenue 2019: $294,082Expenses 2019: $276,504Net Income 2019: $17,5782019Revenue 2020: $279,364Expenses 2020: $266,150Net Income 2020: $13,2142020Revenue 2021: $249,646Expenses 2021: $234,945Net Income 2021: $14,7012021Revenue 2022: $277,427Expenses 2022: $253,307Net Income 2022: $24,1202022Revenue 2023: $331,628Expenses 2023: $281,078Net Income 2023: $50,5502023Revenue 2024: $354,843Expenses 2024: $333,053Net Income 2024: $21,7902024

Highlighted filing

2013

Revenue$297,916
Expenses$254,728
Net Income$43,188
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 13, 2014
Return Version
2013v3.0
Gross Receipts
$297,916
Mission and Program Overview

Mission

Provide financial services to the various members of the organization including loans and deposit accounts.

Financial Institution functioning as a state chartered, member served credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,824,335$2,653,157▼ $171,178
Savings and Temporary Cash Investments$1,306,896$1,715,455▲ $408,559
Rtn Earn Endowment Incm Other Fnds$874,060$914,092▲ $40,032
Pd in Cap Srpls Land Bldg Eqp Fund$124,780$124,780→ $0
Cash and Non-Interest-Bearing Accounts$235,651$118,938▼ $116,713
Land, Buildings, and Equipment, Net$51,329$66,288▲ $14,959
Prepaid Expenses and Deferred Charges$6,819$7,124▲ $305
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,456,829$4,600,245▲ $143,416
Other Assets Total$31,799$39,283▲ $7,484
Liabilities
Other Liabilities$3,455,483$3,558,564▲ $103,081
Accounts Payable and Accrued Expenses$2,506$2,809▲ $303
Total Liabilities$3,457,989$3,561,373▲ $103,384
Net Assets / Fund Balance
Total Net Assets Fund Balance$998,840$1,038,872▲ $40,032
Total Liabilities and Net Assets / Fund Balance$4,456,829$4,600,245▲ $143,416

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$30,816$41,062$0
Other Land Buildings$7,606$0$0
Land$19,165-$0
Equipment$8,701$53,582$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Linda HardwickManagerFT$45,248$45,248
Pat SmithAssistant ManagerFT$20,394$20,394

Board Members and Trustees

NameTitle
Michael WilliamsonSupervisory Chair
Robert FullerPresident
Jeff SandersVice President
Charles PhillipDirector
Dewey DavisDirector
Ferrell CromerDirector
James BivinsDirector
Todd AlligoodDirector
Willie WilliamsDirector
Lisa Holmes-HughesSupervisory Committee Member
Walter Shane EdwardsSupervisory Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$261,084
Investment Income
$6,608
Other Revenue
$30,224
Change in Net Assets
$43,188
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$176,277
Salaries, Compensation, and Employee Benefits$78,451
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---$65,642
Other Expenses---$49,000
Office Expenses---$35,253
Occupancy---$19,351
Insurance---$13,863
Other Employee Benefits---$7,779
Travel---$6,053
Payroll Taxes---$5,030
Advertising---$4,755
All Other Expenses---$4,691
Fees for Services Accounting---$3,708
Conferences and Meetings---$3,701
Depreciation Depletion---$3,208
Total Functional Expenses$0$0$0$254,728
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
Membership Shares$3,558,564
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
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 elect board”

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

“mergers are approved by members”

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

“Manager reviews on behalf of Board”

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

“Periodic disclosures of relationship and other conflicts of interest”

Form 990, Part VI, Section B, Line 15

“Board sets salary based on education, experience, and industry standards”

Form 990, Part VI, Section C, Line 19

“Upon request”

Filing and Contact Details

Filer

EIN
58-0689507
Phone
4787414006

Signing Officer

Name
Linda Hardwick
Title
Manager
Phone
4787414006
Signed
2014-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Linda Hardwick
Formed
1942
Legal Domicile
Ga
Voting Board Members
11
Independent Board Members
11
Employees
2
Volunteers
0

Preparer

Preparer
Jason Barrett
Phone
7707220725
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IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06819
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt07124
IRS990/PrincipalOfficerNm0Linda Hardwick
IRS990/PriorPeriodAdjustmentsAmt0-3156
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0261084
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0261084
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05947
IRS990/PYOtherExpensesAmt0125025
IRS990/PYOtherRevenueAmt031311
IRS990/PYProgramServiceRevenueAmt0271486
IRS990/PYRevenuesLessExpensesAmt0107696
IRS990/PYSalariesCompEmpBnftPaidAmt076023
IRS990/PYTotalExpensesAmt0201048
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0308744
IRS990/ReconcilationRevenueExpnssAmt043188
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0874060
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0914092
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01306896
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01715455
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt030816
IRS990ScheduleD/BuildingsGrp/DepreciationAmt041062
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt071878
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt08701
IRS990ScheduleD/EquipmentGrp/DepreciationAmt053582
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt062283
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt019165
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt019165
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt07606
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt07606
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03558564
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Membership Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt066288
IRS990ScheduleD/TotalLiabilityAmt03558564
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1members elect board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2mergers are approved by members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Manager reviews on behalf of Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Periodic disclosures of relationship and other conflicts of interest
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Board sets salary based on education, experience, and industry standards
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 B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt04456829
IRS990/TotalAssetsEOYAmt04600245
IRS990/TotalAssetsGrp/BOYAmt04456829
IRS990/TotalAssetsGrp/EOYAmt04600245
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0254728
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03457989
IRS990/TotalLiabilitiesEOYAmt03561373
IRS990/TotalLiabilitiesGrp/BOYAmt03457989
IRS990/TotalLiabilitiesGrp/EOYAmt03561373
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0998840
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01038872
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0261084
IRS990/TotalReportableCompFromOrgAmt065642
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0297916
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0297916
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04456829
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04600245
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt06053
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10899 Oglethorpe St
IRS990/USAddress/City0Macon
IRS990/USAddress/State0GA
IRS990/USAddress/ZIPCode031217

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,600,245
Liabilities
$3,561,373
Net assets
$1,038,872
Revenue
$297,916
Expenses
$254,728
Net income
$43,188
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.96$3.49$1.46$0.35$0.33$0.02
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.02$3.57$1.45$0.33$0.28$0.05
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.42$4.02$1.40$0.28$0.25$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.26$3.88$1.37$0.25$0.23$0.01
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.78$3.42$1.36$0.28$0.27$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.73$3.39$1.34$0.29$0.28$0.02
2018Summary only. Only limited summary data is available for this year.$4.93$3.60$1.33$0.54$0.25$0.29
2017Summary only. Only limited summary data is available for this year.$4.85$3.56$1.30$0.26$0.22$0.04
2016Summary only. Only limited summary data is available for this year.$4.67$3.41$1.26$0.26$0.24$0.02
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.57$3.35$1.22$0.30$0.21$0.09
2014Detailed filing. Detailed filing data is available for this year.$4.67$3.54$1.13$0.30$0.21$0.09
2013Detailed filing. Detailed filing data is available for this year.$4.60$3.56$1.04$0.30$0.25$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.46$3.46$1.00$0.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.76$2.87$0.89$0.22