Civic Intelligence

North Main Credit Union

990 • Fiscal year 2013 • EIN 58-1354498

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization Profileethiconcu.org
655 Ethicon CircleCornelia, GA 30531

(706) 766-5459

Siviq Scores

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

Liabilities / Assets

20th percentile

0.79x

Higher debt load relative to assets than 20% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

17th percentile

12.31x

Higher debt load relative to revenue than 17% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

83rd percentile

15%

Higher net margin than 83% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

70th percentile

$81,800

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 11.3% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

58th percentile

2.3%

Faster asset growth than 58% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

53rd percentile

6.1%

Faster revenue growth than 53% of similar nonprofits.

2013 filings • $10M-$25M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets20th percentile

Assets

Up

$11,219,819

Up $254,984 (+2.3%) from 2012

Net Assets

Up

$2,327,336

Up $107,613 (+4.8%) from 2012

Liabilities

Up

$8,892,483

Up $147,371 (+1.7%) from 2012

Revenue And Expenses
Liabilities / Revenue17th percentileNet Margin83rd percentile

Revenue

Up

$722,287

Up $41,765 (+6.1%) from 2012

Expenses

Up

$614,737

Up $35,761 (+6.2%) from 2012

Net Income

Up

$107,550

Up $6,004 (+5.9%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$30M$20M$10M$0Assets 2011: $10,054,656Liabilities 2011: $7,936,550Net Assets 2011: $2,118,1062011Assets 2012: $10,964,835Liabilities 2012: $8,745,112Net Assets 2012: $2,219,7232012Assets 2013: $11,219,819Liabilities 2013: $8,892,483Net Assets 2013: $2,327,3362013Assets 2014: $11,165,320Liabilities 2014: $8,759,736Net Assets 2014: $2,405,5842014Assets 2015: $11,963,067Liabilities 2015: $9,555,877Net Assets 2015: $2,407,1902015Assets 2016: $12,883,786Liabilities 2016: $10,474,977Net Assets 2016: $2,408,8092016Assets 2017: $13,858,793Liabilities 2017: $11,433,984Net Assets 2017: $2,424,8092017Assets 2018: $14,732,812Liabilities 2018: $12,284,233Net Assets 2018: $2,448,5792018Assets 2019: $15,588,586Liabilities 2019: $13,102,741Net Assets 2019: $2,485,8452019Assets 2021: $20,141,320Liabilities 2021: $17,440,891Net Assets 2021: $2,700,4292021Assets 2022: $29,981,369Liabilities 2022: $25,625,947Net Assets 2022: $4,355,4222022

Highlighted filing

2013

Assets$11,219,819
Liabilities$8,892,483
Net Assets$2,327,336
Open 2013 Filing

Operations Trend

Revenue Growth53rd percentile

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

$2.0M$1.5M$1.0M$500K$0Revenue 2011: $674,551Expenses 2011: $566,329Net Income 2011: $108,2222011Revenue 2012: $680,522Expenses 2012: $578,976Net Income 2012: $101,5462012Revenue 2013: $722,287Expenses 2013: $614,737Net Income 2013: $107,5502013Revenue 2014: $702,718Expenses 2014: $624,533Net Income 2014: $78,1852014Revenue 2015: $663,109Expenses 2015: $633,874Net Income 2015: $29,2352015Revenue 2016: $687,996Expenses 2016: $686,517Net Income 2016: $1,4792016Revenue 2017: $801,767Expenses 2017: $785,767Net Income 2017: $16,0002017Revenue 2018: $992,853Expenses 2018: $969,083Net Income 2018: $23,7702018Revenue 2019: $1,189,334Expenses 2019: $1,152,068Net Income 2019: $37,2662019Revenue 2021: $1,297,238Expenses 2021: $1,143,792Net Income 2021: $153,4462021Revenue 2022: $1,711,537Expenses 2022: $1,399,686Net Income 2022: $311,8512022

Highlighted filing

2013

Revenue$722,287
Expenses$614,737
Net Income$107,550
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.0
Gross Receipts
$722,287
Mission and Program Overview

Mission

Provide financial services to the various members of the financial institution including loan 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$5,615,329$5,962,824▲ $347,495
Savings and Temporary Cash Investments$5,054,165$5,002,733▼ $51,432
Rtn Earn Endowment Incm Other Fnds$1,881,659$1,989,212▲ $107,553
Pd in Cap Srpls Land Bldg Eqp Fund$338,064$338,124▲ $60
Cash and Non-Interest-Bearing Accounts$159,860$107,578▼ $52,282
Land, Buildings, and Equipment, Net$14,458$16,416▲ $1,958
Prepaid Expenses and Deferred Charges$5,167--
Accounts Receivable$844--
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$10,964,835$11,219,819▲ $254,984
Other Assets Total$115,012$130,268▲ $15,256
Liabilities
Other Liabilities$8,603,311$8,721,686▲ $118,375
Accounts Payable and Accrued Expenses$141,801$170,797▲ $28,996
Total Liabilities$8,745,112$8,892,483▲ $147,371
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,219,723$2,327,336▲ $107,613
Total Liabilities and Net Assets / Fund Balance$10,964,835$11,219,819▲ $254,984

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$16,416$32,239$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Deborah BeamPresidentFT$81,800$81,800

Board Members and Trustees

NameTitle
Brandon TerrellCredit Committee Chair
Gay BarmlettSupervisory Committee Chair
Danny ThomasBoard Member
Fredrick Dalton JrBoard Member
Scott ComptonBoard Member
Joye DoddBoard Secretary
William BeamCredit Committee Member
Barbara HarbertSupervisory Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$539,232
Investment Income
$40,390
Other Revenue
$142,665
Change in Net Assets
$107,550
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$339,151
Salaries, Compensation, and Employee Benefits$275,586
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Accounting---$149,609
Other Salaries and Wages---$118,185
Current Officers, Directors, Trustees, and Key Employees---$81,800
Other Employee Benefits---$75,601
Office Expenses---$51,164
Travel---$30,000
Advertising---$29,875
Insurance---$7,241
Conferences and Meetings---$6,900
Depreciation Depletion---$4,991
Other Expenses---$4,690
All Other Expenses---$-188
Total Functional Expenses$0$0$0$614,737
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
Shares$8,721,686
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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 2

“Deborah Beam spouse is William Beam”

Form 990, Part VI, Section A, Line 6

“Members”

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

“Mergers”

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

“Mergers”

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

“Management reviews on behalf of the Board”

Form 990, Part VI, Section B, Line 15

“Compensation is determined by education, industry standard, and experience.”

Form 990, Part VI, Section C, Line 19

“Upon Request”

Filing and Contact Details

Filer

EIN
58-1354498
Phone
7067665459

Signing Officer

Name
Melany Ward
Title
Vice President
Phone
7067765459
Signed
2014-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Deborah Beam
Formed
1978
Legal Domicile
Ga
Voting Board Members
9
Independent Board Members
9
Employees
3
Volunteers
0

Preparer

Preparer
Jason Barrett
Phone
7707220725
Raw XML AppendixShowing 400 of 404 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.

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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt016416
IRS990ScheduleD/EquipmentGrp/DepreciationAmt032239
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt048655
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08721686
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt016416
IRS990ScheduleD/TotalLiabilityAmt08721686
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Deborah Beam spouse is William Beam
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Mergers
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Management reviews on behalf of the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation is determined by education, industry standard, and experience.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Upon Request
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
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/TotalAssetsBOYAmt010964835
IRS990/TotalAssetsEOYAmt011219819
IRS990/TotalAssetsGrp/BOYAmt010964835
IRS990/TotalAssetsGrp/EOYAmt011219819
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0614737
IRS990/TotalGrossUBIAmt05035
IRS990/TotalLiabilitiesBOYAmt08745112
IRS990/TotalLiabilitiesEOYAmt08892483
IRS990/TotalLiabilitiesGrp/BOYAmt08745112
IRS990/TotalLiabilitiesGrp/EOYAmt08892483
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02219723
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02327336
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0539232
IRS990/TotalReportableCompFromOrgAmt081800
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0717252
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0722287
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05035
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010964835
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011219819
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt030000
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10655 Ethicon Circle
IRS990/USAddress/City0Cornelia
IRS990/USAddress/State0GA
IRS990/USAddress/ZIPCode030531
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0ethiconcu.org
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Melany Ward
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Vice President
ReturnHeader/BusinessOfficerGrp/PhoneNum07067765459
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10Ethicon Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0ETHI
ReturnHeader/Filer/EIN0581354498
ReturnHeader/Filer/PhoneNum07067665459
ReturnHeader/Filer/USAddress/AddressLine10655 Ethicon Circle
ReturnHeader/Filer/USAddress/City0Cornelia
ReturnHeader/Filer/USAddress/State0GA
ReturnHeader/Filer/USAddress/ZIPCode030531
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0270395867
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Georgia Credit Union Consultants Inc
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10PO Box 704
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Fairmount
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode030139
ReturnHeader/PreparerPersonGrp/PhoneNum07707220725
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jason Barrett
ReturnHeader/ReturnTs02014-05-14T19:42:24-07:00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$11,219,819
Liabilities
$8,892,483
Net assets
$2,327,336
Revenue
$722,287
Expenses
$614,737
Net income
$107,550
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$30.0$25.6$4.36$1.71$1.40$0.31
2021Detailed filing. Detailed filing data is available for this year.$20.1$17.4$2.70$1.30$1.14$0.15
2019Detailed filing. Detailed filing data is available for this year.$15.6$13.1$2.49$1.19$1.15$0.04
2018Detailed filing. Detailed filing data is available for this year.$14.7$12.3$2.45$0.99$0.97$0.02
2017Detailed filing. Detailed filing data is available for this year.$13.9$11.4$2.42$0.80$0.79$0.02
2016Summary only. Only limited summary data is available for this year.$12.9$10.5$2.41$0.69$0.69$0.00
2015Detailed filing. Detailed filing data is available for this year.$12.0$9.56$2.41$0.66$0.63$0.03
2014Detailed filing. Detailed filing data is available for this year.$11.2$8.76$2.41$0.70$0.62$0.08
2013Detailed filing. Detailed filing data is available for this year.$11.2$8.89$2.33$0.72$0.61$0.11
2012Summary only. Only limited summary data is available for this year.$11.0$8.75$2.22$0.68$0.58$0.10
2011Summary only. Only limited summary data is available for this year.$10.1$7.94$2.12$0.67$0.57$0.11