Civic Intelligence

Health Center Credit Union

EIN 58-1256173 • 501(c)14 • Augusta, GA

Profile

state chartered credit union - provides deposit products, payment services, auto loans, atm services, visa credit card, and safe deposit boxes for the members. Also, sale of loan protection products such as GAP, warranties, and single premium life and disability.

1424 Walton WayAugusta, GA 30901

www.hccu.coop

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2023

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Net Margin

9th percentile

-76%

Higher net margin than 9% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

73rd percentile

$86,715

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 5.7% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

9th percentile

-62%

Faster revenue growth than 9% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$71,894,689

Up $125,470 (+0.2%) from 2021

Liabilities

Up

$1,494,088

Up $389,064 (+35%) from 2021

Net Assets

Down

$70,400,601

Down $263,594 (-0.4%) from 2021

Operations
Liabilities / Revenue35th percentileNet Margin9th percentile

Revenue

Up

$3,984,525

Up $528,259 (+15%) from 2021

Expenses

Up

$3,378,964

Up $215,796 (+6.8%) from 2021

Net Income

Up

$605,561

Up $312,463 (+107%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$80M$60M$40M$20M$0Assets 2010: $46,582,073Liabilities 2010: $1,550,042Net Assets 2010: $45,032,0312010Assets 2011: $46,113,043Liabilities 2011: $408,872Net Assets 2011: $45,704,1712011Assets 2012: $46,977,761Liabilities 2012: $267,337Net Assets 2012: $46,710,4242012Assets 2013: $47,808,265Liabilities 2013: $443,972Net Assets 2013: $47,364,2932013Assets 2014: $47,997,598Liabilities 2014: $381,072Net Assets 2014: $47,616,5262014Assets 2015: $50,215,322Liabilities 2015: $185,624Net Assets 2015: $50,029,6982015Assets 2016: $49,806,570Liabilities 2016: $636,682Net Assets 2016: $49,169,8882016Assets 2017: $50,579,107Liabilities 2017: $986,660Net Assets 2017: $49,592,4472017Assets 2018: $51,298,760Liabilities 2018: $1,106,686Net Assets 2018: $50,192,0742018Assets 2019: $52,068,688Liabilities 2019: $686,673Net Assets 2019: $51,382,0152019Assets 2021: $71,769,219Liabilities 2021: $1,105,024Net Assets 2021: $70,664,1952021Assets 2022: $71,894,689Liabilities 2022: $1,494,088Net Assets 2022: $70,400,6012022

Highlighted filing

2022

Assets$71,894,689
Liabilities$1,494,088
Net Assets$70,400,601
Open 2022 Filing

Operations Trend

Revenue Growth9th percentile

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

$4.0M$2.0M$0-$2.0MExpenses 2010: $2,988,2602010Revenue 2011: $2,768,421Expenses 2011: $2,667,527Net Income 2011: $100,8942011Expenses 2012: $2,733,5102012Revenue 2013: $3,090,170Expenses 2013: $2,981,012Net Income 2013: $109,1582013Revenue 2014: $3,095,766Expenses 2014: $2,933,195Net Income 2014: $162,5712014Revenue 2015: $3,161,680Expenses 2015: $3,032,148Net Income 2015: $129,5322015Revenue 2016: $3,126,836Expenses 2016: $3,397,329Net Income 2016: -$270,4932016Revenue 2017: $3,139,324Expenses 2017: $3,229,456Net Income 2017: -$90,1322017Revenue 2018: $3,369,514Expenses 2018: $3,129,581Net Income 2018: $239,9332018Revenue 2019: $3,701,989Expenses 2019: $3,120,302Net Income 2019: $581,6872019Revenue 2021: $3,456,266Expenses 2021: $3,163,168Net Income 2021: $293,0982021Revenue 2022: $3,984,525Expenses 2022: $3,378,964Net Income 2022: $605,5612022

Highlighted filing

2022

Revenue$3,984,525
Expenses$3,378,964
Net Income$605,561
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$71,894,689
Liabilities
$1,494,088
Net assets
$70,400,601
Revenue
$3,984,525
Expenses
$3,378,964
Net income
$605,561
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.9$1.49$70.4$3.98$3.38$0.61
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.8$1.11$70.7$3.46$3.16$0.29
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.1$0.69$51.4$3.70$3.12$0.58
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.3$1.11$50.2$3.37$3.13$0.24
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$50.6$0.99$49.6$3.14$3.23$0.09
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.8$0.64$49.2$3.13$3.40$0.27
2015Summary only. Only limited summary data is available for this year.$50.2$0.19$50.0$3.16$3.03$0.13
2014Detailed filing. Detailed filing data is available for this year.$48.0$0.38$47.6$3.10$2.93$0.16
2013Detailed filing. Detailed filing data is available for this year.$47.8$0.44$47.4$3.09$2.98$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.0$0.27$46.7$2.73
2011Summary only. Only limited summary data is available for this year.$46.1$0.41$45.7$2.77$2.67$0.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.6$1.55$45.0$2.99
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 1, 2023
Return Version
2022v5.0
Gross Receipts
$3,984,525
Mission and Program Overview

Mission

state chartered credit union - provides deposit products, payment services, auto loans, atm services, visa credit card, and safe deposit boxes for the members. Also, sale of loan protection products such as GAP, warranties, and single premium life and disability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$70,664,195$70,400,601▼ $263,594
Accounts Receivable$37,352,508$42,055,317▲ $4,702,809
Land, Buildings, and Equipment, Net$3,832,336$3,674,513▼ $157,823
Cash and Non-Interest-Bearing Accounts$5,180,184$1,798,002▼ $3,382,182
Prepaid Expenses and Deferred Charges$54,717$40,653▼ $14,064
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$71,769,219$71,894,689▲ $125,470
Other Assets Total$25,349,474$24,326,204▼ $1,023,270
Liabilities
Accounts Payable and Accrued Expenses$841,066$1,144,326▲ $303,260
Other Liabilities$263,958$349,762▲ $85,804
Total Liabilities$1,105,024$1,494,088▲ $389,064
Net Assets / Fund Balance
Total Net Assets Fund Balance$70,664,195$70,400,601▼ $263,594
Total Liabilities and Net Assets / Fund Balance$71,769,219$71,894,689▲ $125,470

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,061,970$751,369$2,813,339
Land$1,565,000-$1,565,000
Leasehold Improvements-$368,406$368,406
Equipment$18,593$278,147$296,740
Other Land Buildings$28,950$133,863$162,813
Other Assets Org$89,924--
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Stacy A TallentPresidentFT$128,196$128,196
Lisa B MahaffeyVice PresidentFT$108,220$108,220
Melissa K HafflyVice PresidentFT$74,117$74,117

Board Members and Trustees

NameTitle
Aisha LavinBoard Member
Anthony WrightBoard Member
Carolyn BurnsBoard Member
Charles D SanfordBoard Member
Dr Dalton E BrannenBoard Member
Jack EvansBoard Member
Libby PoteetBoard Member
Mike WrenBoard Member
Patrick HatchBoard Member
W Robert GraybillBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,644,669
Investment Income
$332,842
Other Revenue
$7,014
Change in Net Assets
$605,561
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,039,585
Salaries, Compensation, and Employee Benefits$1,339,379
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$671,991--$671,991
All Other Expenses$447,077--$447,077
Current Officers, Directors, Trustees, and Key Employees$310,533--$310,533
Other Expenses$175,940--$175,940
Pension Plan Contributions$174,164--$174,164
Depreciation Depletion$152,763--$152,763
Other Employee Benefits$119,856--$119,856
Information Technology$115,796--$115,796
Occupancy$98,248--$98,248
Fees for Services Other$80,962--$80,962
Payroll Taxes$62,835--$62,835
Advertising$60,000--$60,000
Fees for Services Accounting$30,000--$30,000
Office Expenses$10,056--$10,056
Fees for Services Legal$10,000--$10,000
Interest$7,966--$7,966
Total Functional Expenses$3,378,964$0$0$3,378,964
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
unapplied data processing exceptions$303,772
Taxes Payable$45,061
other liabilities$929
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
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
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

“Health center credit union is a state charted credit union. Every customer who has a savings account with the credit union is considered a member of the organization. Every member has one vote. Members can elect board members of the governing body. Major decisions involving conversion or merger of credit union charter needs to be approved by the members.”

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

“Members can elect board members of the governing body.”

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

“Any major decision involving conversion or merger of credit union charter needs to be approved by the members.”

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

“Copy of form 990 is provided to the organization's governing body for approval prior to filing.”

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

“The credit union maintains guidelines for related party transactions. The agency monitors and enforces the conflict of interest policy through requiring employees, management, and directors to disclose conflicts of interest on a regular basis.”

Form 990, Part VI, Section B, Line 15A

“The president's compensation is determined by an annual performance review conducted by the chairman of the board.also, annual reviews are conducted credit union wide during the first quarter of the year. As a department of the university system of georgia, merit increase ranges are determined by the board of regents. Annual merit increases in each department are determined by the department manager (credit union ceo and alco chair).”

Form 990, Part VI, Section B, Line 15B

“Other officers' compensation is determined by an annual performance review conducted by the president.”

Form 990, Part VI, Section C, Line 18

“Financial statements are available upon request and are displayed in each of the credit union's branches. Other governing documents and conflict of interest policy are available upon request.”

Form 990, Part VI, Section C, Line 19

“Financial statements are available upon request and are displayed in each of the credit union's branches. Other governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Health Center Credit Union
EIN
58-1256173
Phone
7064341600
Address
1424 Walton Way, Augusta, GA 30901

Signing Officer

Name
Stacy A Tallent
Title
President
Signed
2023-11-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stacy A Tallent
Formed
1976
Legal Domicile
Ga
Voting Board Members
11
Independent Board Members
11
Employees
18

Preparer

Firm
Anderson Adkins & Company CPAs PC
Address
604 Ponder Place Drive, Evans, GA 30809
Preparer
Scott A Adkins
Phone
7062882000
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“ASSOCIATION DUES: Column (A) - Total = $15756; Column (B) - Program Services = $15756; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“BANK SERVICE CHARGES: Column (A) - Total = $14973; Column (B) - Program Services = $14973; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“BOARD MEETING EXPENSE: Column (A) - Total = $1628; Column (B) - Program Services = $1628; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“BOND PREMIUM: Column (A) - Total = $35718; Column (B) - Program Services = $35718; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“CASH OVER/SHORT: Column (A) - Total = $134; Column (B) - Program Services = $134; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“CITY TAXES: Column (A) - Total = $22000; Column (B) - Program Services = $22000; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“COL CTY PROPERTY TAXES: Column (A) - Total = $22000; Column (B) - Program Services = $22000; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“COMMUNICATION EXPENSES: Column (A) - Total = $40116; Column (B) - Program Services = $40116; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“CU VEHICLE EXPENSE: Column (A) - Total = $5510; Column (B) - Program Services = $5510; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“CURRENCY COURIER EXPENSE: Column (A) - Total = $4833; Column (B) - Program Services = $4833; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“D/P EQUIPMENT & SOFTWARE: Column (A) - Total = $7756; Column (B) - Program Services = $7756; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“DIVIDENDS PAID: Column (A) - Total = $46290; Column (B) - Program Services = $46290; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“EDUCATION EXPENSE: Column (A) - Total = $16821; Column (B) - Program Services = $16821; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“EQUIPMENT MAINTENANCE: Column (A) - Total = $25046; Column (B) - Program Services = $25046; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“FRAUD CHARGE OFFS: Column (A) - Total = $2017; Column (B) - Program Services = $2017; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“LOAN SERVICING EXPENSES: Column (A) - Total = $49655; Column (B) - Program Services = $49655; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“MGR & STAFF EXPENSE: Column (A) - Total = $29804; Column (B) - Program Services = $29804; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“MISCELLANEOUS: Column (A) - Total = $25788; Column (B) - Program Services = $25788; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“Postage and Shipping: Column (A) - Total = $20624; Column (B) - Program Services = $20624; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“RECORDS STORAGE: Column (A) - Total = $9465; Column (B) - Program Services = $9465; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“VISA CARD EXPENSES: Column (A) - Total = $51143; Column (B) - Program Services = $51143; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part XI, Line 9

“Net K-1 Income on Return, not on F/S = -$124168”

Form 990, Part XI, Line 9

“Share equity decrease = -$744987”

Raw XML AppendixShowing 400 of 551 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/BooksInCareOfDetail/PhoneNum07064341600
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IRS990/DepreciationDepletionGrp/ProgramServicesAmt0152763
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IRS990/Form990PartVIISectionAGrp/PersonNm0Stacy A Tallent
IRS990/Form990PartVIISectionAGrp/PersonNm1Lisa B Mahaffey
IRS990/Form990PartVIISectionAGrp/PersonNm2Melissa K Haffly
IRS990/Form990PartVIISectionAGrp/PersonNm3W Robert Graybill
IRS990/Form990PartVIISectionAGrp/PersonNm4Jack Evans
IRS990/Form990PartVIISectionAGrp/PersonNm5Charles D Sanford
IRS990/Form990PartVIISectionAGrp/PersonNm6Aisha Lavin
IRS990/Form990PartVIISectionAGrp/PersonNm7Mike Wren
IRS990/Form990PartVIISectionAGrp/PersonNm8Dr Dalton E Brannen
IRS990/Form990PartVIISectionAGrp/PersonNm9Anthony Wright
IRS990/Form990PartVIISectionAGrp/PersonNm10Patrick Hatch
IRS990/Form990PartVIISectionAGrp/PersonNm11Libby Poteet
IRS990/Form990PartVIISectionAGrp/PersonNm12Carolyn Burns
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IRS990/MissionDesc0state chartered credit union - provides deposit products, payment services, auto loans, atm services, visa credit card, and safe deposit boxes for the members. Also, sale of loan protection products such as GAP, warranties, and single premium life and disability.
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IRS990/OtherExpensesGrp/ProgramServicesAmt2198520
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IRS990/PensionPlanContributionsGrp/TotalAmt0174164
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IRS990/ProgramServiceRevenueGrp/Desc3Share Draft Fees
IRS990/ProgramServiceRevenueGrp/Desc4Visa Card Income
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2unapplied data processing exceptions
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HEALTH CENTER CREDIT UNION IS A STATE CHARTED CREDIT UNION. EVERY CUSTOMER WHO HAS A SAVINGS ACCOUNT WITH THE CREDIT UNION IS CONSIDERED A MEMBER OF THE ORGANIZATION. EVERY MEMBER HAS ONE VOTE. MEMBERS CAN ELECT BOARD MEMBERS OF THE GOVERNING BODY. MAJOR DECISIONS INVOLVING CONVERSION OR MERGER OF CREDIT UNION CHARTER NEEDS TO BE APPROVED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS CAN ELECT BOARD MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY MAJOR DECISION INVOLVING CONVERSION OR MERGER OF CREDIT UNION CHARTER NEEDS TO BE APPROVED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COPY OF FORM 990 IS PROVIDED TO THE ORGANIZATION'S GOVERNING BODY FOR APPROVAL PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION MAINTAINS GUIDELINES FOR RELATED PARTY TRANSACTIONS. THE AGENCY MONITORS AND ENFORCES THE CONFLICT OF INTEREST POLICY THROUGH REQUIRING EMPLOYEES, MANAGEMENT, AND DIRECTORS TO DISCLOSE CONFLICTS OF INTEREST ON A REGULAR BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PRESIDENT'S COMPENSATION IS DETERMINED BY AN ANNUAL PERFORMANCE REVIEW CONDUCTED BY THE CHAIRMAN OF THE BOARD.ALSO, ANNUAL REVIEWS ARE CONDUCTED CREDIT UNION WIDE DURING THE FIRST QUARTER OF THE YEAR. AS A DEPARTMENT OF THE UNIVERSITY SYSTEM OF GEORGIA, MERIT INCREASE RANGES ARE DETERMINED BY THE BOARD OF REGENTS. ANNUAL MERIT INCREASES IN EACH DEPARTMENT ARE DETERMINED BY THE DEPARTMENT MANAGER (CREDIT UNION CEO AND ALCO CHAIR).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER OFFICERS' COMPENSATION IS DETERMINED BY AN ANNUAL PERFORMANCE REVIEW CONDUCTED BY THE PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST AND ARE DISPLAYED IN EACH OF THE CREDIT UNION'S BRANCHES. OTHER GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST AND ARE DISPLAYED IN EACH OF THE CREDIT UNION'S BRANCHES. OTHER GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ASSOCIATION DUES: Column (A) - Total = $15756; Column (B) - Program Services = $15756; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10BANK SERVICE CHARGES: Column (A) - Total = $14973; Column (B) - Program Services = $14973; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11BOARD MEETING EXPENSE: Column (A) - Total = $1628; Column (B) - Program Services = $1628; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12BOND PREMIUM: Column (A) - Total = $35718; Column (B) - Program Services = $35718; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13CASH OVER/SHORT: Column (A) - Total = $134; Column (B) - Program Services = $134; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14CITY TAXES: Column (A) - Total = $22000; Column (B) - Program Services = $22000; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15COL CTY PROPERTY TAXES: Column (A) - Total = $22000; Column (B) - Program Services = $22000; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16COMMUNICATION EXPENSES: Column (A) - Total = $40116; Column (B) - Program Services = $40116; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17CU VEHICLE EXPENSE: Column (A) - Total = $5510; Column (B) - Program Services = $5510; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18CURRENCY COURIER EXPENSE: Column (A) - Total = $4833; Column (B) - Program Services = $4833; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19D/P EQUIPMENT & SOFTWARE: Column (A) - Total = $7756; Column (B) - Program Services = $7756; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20DIVIDENDS PAID: Column (A) - Total = $46290; Column (B) - Program Services = $46290; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21EDUCATION EXPENSE: Column (A) - Total = $16821; Column (B) - Program Services = $16821; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22EQUIPMENT MAINTENANCE: Column (A) - Total = $25046; Column (B) - Program Services = $25046; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt23FRAUD CHARGE OFFS: Column (A) - Total = $2017; Column (B) - Program Services = $2017; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt24LOAN SERVICING EXPENSES: Column (A) - Total = $49655; Column (B) - Program Services = $49655; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt25MGR & STAFF EXPENSE: Column (A) - Total = $29804; Column (B) - Program Services = $29804; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt26MISCELLANEOUS: Column (A) - Total = $25788; Column (B) - Program Services = $25788; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt27Postage and Shipping: Column (A) - Total = $20624; Column (B) - Program Services = $20624; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

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