Civic Intelligence

Northwest Georgia Credit Union

EIN 58-0974743 • 501(c)14 • Rome, GA

View Organization Page

Profile

Provide financial services to the various members of the financal institution including loan and deposit accounts.

1307 Redmond CirRome, GA 30165

nwgacu.org

Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

57th percentile

16.26x

Higher debt load relative to revenue than 57% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

31st percentile

6.5%

Higher net margin than 31% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

9th percentile

$94,023

Higher top officer pay than 9% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

90th percentile

9.6%

Faster asset growth than 90% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

44th percentile

8.5%

Faster revenue growth than 44% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$74,795,900

Up $6,535,348 (+9.6%) from 2014

Liabilities

Up

$67,892,773

Up $6,263,557 (+10%) from 2014

Net Assets

Up

$6,903,127

Up $271,791 (+4.1%) from 2014

Operations
Liabilities / Revenue57th percentileNet Margin31st percentile

Revenue

Up

$4,174,345

Up $326,482 (+8.5%) from 2014

Expenses

Up

$3,902,554

Up $323,366 (+9.0%) from 2014

Net Income

Up

$271,791

Up $3,116 (+1.2%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth90th percentile

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

$80M$60M$40M$20M$0Assets 2010: $52,877,591Liabilities 2010: $46,663,055Net Assets 2010: $6,214,5362010Assets 2011: $58,245,312Liabilities 2011: $52,037,185Net Assets 2011: $6,208,1272011Assets 2012: $61,684,426Liabilities 2012: $55,432,834Net Assets 2012: $6,251,5922012Assets 2013: $64,308,070Liabilities 2013: $57,945,409Net Assets 2013: $6,362,6612013Assets 2014: $68,260,552Liabilities 2014: $61,629,216Net Assets 2014: $6,631,3362014Assets 2015: $74,795,900Liabilities 2015: $67,892,773Net Assets 2015: $6,903,1272015

Highlighted filing

2015

Assets$74,795,900
Liabilities$67,892,773
Net Assets$6,903,127
Open 2015 Filing

Operations Trend

Revenue Growth44th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $3,521,2392010Expenses 2011: $3,538,0692011Expenses 2012: $3,537,3162012Revenue 2013: $3,604,266Expenses 2013: $3,493,198Net Income 2013: $111,0682013Revenue 2014: $3,847,863Expenses 2014: $3,579,188Net Income 2014: $268,6752014Revenue 2015: $4,174,345Expenses 2015: $3,902,554Net Income 2015: $271,7912015

Highlighted filing

2015

Revenue$4,174,345
Expenses$3,902,554
Net Income$271,791
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$74,795,900
Liabilities
$67,892,773
Net assets
$6,903,127
Revenue
$4,174,345
Expenses
$3,902,554
Net income
$271,791
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$74.8$67.9$6.90$4.17$3.90$0.27
2014Detailed filing. Detailed filing data is available for this year.$68.3$61.6$6.63$3.85$3.58$0.27
2013Detailed filing. Detailed filing data is available for this year.$64.3$57.9$6.36$3.60$3.49$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.7$55.4$6.25$3.54
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.2$52.0$6.21$3.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.9$46.7$6.21$3.52
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 11, 2016
Return Version
2015v2.1
Gross Receipts
$4,174,345
Mission and Program Overview

Mission

Provide financial services to the various members of the financal institution including loan and deposit accounts.

Financial Institution functioning as State Chartered Member Served Credit Union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$41,038,637$43,700,386▲ $2,661,749
Savings and Temporary Cash Investments$23,376,129$25,758,155▲ $2,382,026
Rtn Earn Endowment Incm Other Fnds$5,052,408$5,324,199▲ $271,791
Cash and Non-Interest-Bearing Accounts$1,808,994$3,570,816▲ $1,761,822
Pd in Cap Srpls Land Bldg Eqp Fund$1,578,928$1,578,928→ $0
Land, Buildings, and Equipment, Net$1,082,454$1,272,090▲ $189,636
Prepaid Expenses and Deferred Charges$216,603$101,515▼ $115,088
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$68,260,552$74,795,900▲ $6,535,348
Other Assets Total$737,735$392,938▼ $344,797
Liabilities
Other Liabilities$61,548,056$66,980,040▲ $5,431,984
Accounts Payable and Accrued Expenses$81,160$912,733▲ $831,573
Total Liabilities$61,629,216$67,892,773▲ $6,263,557
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,631,336$6,903,127▲ $271,791
Total Liabilities and Net Assets / Fund Balance$68,260,552$74,795,900▲ $6,535,348

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$619,594$628,321$0
Other Land Buildings$0$0$0
Land$477,017-$0
Equipment$175,479$632,380$0
Leasehold Improvements$0$127,908$0
Compensation and Service Providers
Top Officer Pay9th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michelle StricklinPresidentFT$94,023$94,023
Walter MerkleVice PresidentFT$81,356$81,356

Board Members and Trustees

NameTitle
Dr Jen CorryALM Comm chairperson
Dr Robert YoungBoard Chair
Dr Lucian HarrisCredit Chair
Susan PaulSupervisory Chair
Rita OdomVice Chair
David FussellDirector
Kelly BarnesSeceretary
Scott MoodySupervisory Comm
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,219,432
Investment Income
$141,080
Other Revenue
$1,813,833
Change in Net Assets
$271,791
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,351,381
Salaries, Compensation, and Employee Benefits$1,551,173
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,096,256
Office Expenses---$664,637
Information Technology---$587,801
Other Expenses---$283,246
Current Officers, Directors, Trustees, and Key Employees---$175,379
Other Employee Benefits---$170,591
Advertising---$165,646
Fees for Services Other---$161,262
Occupancy---$135,375
Depreciation Depletion---$121,541
Payroll Taxes---$90,324
Insurance---$46,553
Fees for Services Accounting---$34,434
All Other Expenses---$25,571
Travel---$22,405
Pension Plan Contributions---$18,623
Interest---$43
Total Functional Expenses$0$0$0$3,902,554
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$66,980,040
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 the Board.”

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

“Membership votes on mergers.”

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

“Management reviews on behalf of Board.”

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

“Potential conflicts are disclosed on a regular basis.”

Form 990, Part VI, Section B, Line 15

“Salary is determined by experience, education, and industry standards.”

Form 990, Part VI, Section C, Line 19

“Financials posted monthly, other documents available upon request.”

Filing and Contact Details

Filer

Filer Name
Northwest Georgia Credit Union
EIN
58-0974743
Phone
7062919290
Address
1307 Redmond Cir, Rome, GA 30165

Signing Officer

Name
Michelle Stricklin
Title
President
Phone
7062919290
Signed
2016-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle Stricklin
Formed
1961
Legal Domicile
Ga
Voting Board Members
8
Independent Board Members
8
Employees
39
Volunteers
0

Preparer

Firm
JBarrett Consulting LLC
Address
PO Box 704, Fairmount, GA 30139
Preparer
Jason Barrett
Phone
7707220725
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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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IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0122447
IRS990/PYOtherExpensesAmt02109058
IRS990/PYOtherRevenueAmt01761331
IRS990/PYProgramServiceRevenueAmt01964085
IRS990/PYRevenuesLessExpensesAmt0268675
IRS990/PYSalariesCompEmpBnftPaidAmt01470130
IRS990/PYTotalExpensesAmt03579188
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03847863
IRS990/ReconcilationRevenueExpnssAmt0271791
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/BOYAmt05052408
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05324199
IRS990/SavingsAndTempCashInvstGrp/BOYAmt023376129
IRS990/SavingsAndTempCashInvstGrp/EOYAmt025758155
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0619594
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0628321
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01247915
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0175479
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0632380
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0807859
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0477017
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0477017
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0127908
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0127908
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt066980040
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Membership Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01272090
IRS990ScheduleD/TotalLiabilityAmt066980040
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Membership votes on mergers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews on behalf of Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Potential conflicts are disclosed on a regular basis.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Salary is determined by experience, education, and industry standards.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financials posted monthly, other documents available upon 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/TotalAssetsBOYAmt068260552
IRS990/TotalAssetsEOYAmt074795900
IRS990/TotalAssetsGrp/BOYAmt068260552
IRS990/TotalAssetsGrp/EOYAmt074795900
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt039
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03902554
IRS990/TotalGrossUBIAmt017011
IRS990/TotalLiabilitiesBOYAmt061629216
IRS990/TotalLiabilitiesEOYAmt067892773
IRS990/TotalLiabilitiesGrp/BOYAmt061629216
IRS990/TotalLiabilitiesGrp/EOYAmt067892773
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06631336
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06903127
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt02219432
IRS990/TotalReportableCompFromOrgAmt0175379
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04157334
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04174345
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt017011
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt068260552
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt074795900
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt022405
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01307 Redmond Cir
IRS990/USAddress/CityNm0Rome
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd030165
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0nwgacu.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Michelle Stricklin
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07062919290
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Northwest Georgia Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0580974743
ReturnHeader/Filer/PhoneNum07062919290

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