Civic Intelligence

North Main Credit Union

990 • Fiscal year 2014 • EIN 58-1354498

Jan 01, 2014 to Dec 31, 2014 • Filed on May 15, 2015

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

18th percentile

0.78x

Higher debt load relative to assets than 18% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

19th percentile

12.47x

Higher debt load relative to revenue than 19% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

69th percentile

11%

Higher net margin than 69% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

67th percentile

$82,000

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 11.7% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

30th percentile

-0.5%

Faster asset growth than 30% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

36th percentile

-2.7%

Faster revenue growth than 36% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$11,165,320

Down $54,499 (-0.5%) from 2013

Net Assets

Up

$2,405,584

Up $78,248 (+3.4%) from 2013

Liabilities

Down

$8,759,736

Down $132,747 (-1.5%) from 2013

Revenue And Expenses
Liabilities / Revenue19th percentileNet Margin69th percentile

Revenue

Down

$702,718

Down $19,569 (-2.7%) from 2013

Expenses

Up

$624,533

Up $9,796 (+1.6%) from 2013

Net Income

Down

$78,185

Down $29,365 (-27%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth30th 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

2014

Assets$11,165,320
Liabilities$8,759,736
Net Assets$2,405,584
Open 2014 Filing

Operations Trend

Revenue Growth36th 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

2014

Revenue$702,718
Expenses$624,533
Net Income$78,185
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 15, 2015
Return Version
2014v5.0
Gross Receipts
$702,718
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$5,962,824$5,864,347▼ $98,477
Savings and Temporary Cash Investments$5,002,733$4,993,960▼ $8,773
Rtn Earn Endowment Incm Other Fnds$1,989,212$2,067,394▲ $78,182
Pd in Cap Srpls Land Bldg Eqp Fund$338,124$338,190▲ $66
Cash and Non-Interest-Bearing Accounts$107,578$166,321▲ $58,743
Land, Buildings, and Equipment, Net$16,416$17,776▲ $1,360
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,219,819$11,165,320▼ $54,499
Other Assets Total$130,268$122,916▼ $7,352
Liabilities
Other Liabilities$8,721,686$8,628,424▼ $93,262
Accounts Payable and Accrued Expenses$170,797$131,312▼ $39,485
Total Liabilities$8,892,483$8,759,736▼ $132,747
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,327,336$2,405,584▲ $78,248
Total Liabilities and Net Assets / Fund Balance$11,219,819$11,165,320▼ $54,499

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$17,776$37,331$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Deborah BeamPresidentFT$82,000$82,000

Board Members and Trustees

NameTitle
Brandon TerrellCredit Committee Chair
Gay BarmlettSupervisory Committee Chair
Danny ThomasBoard Member
Fredrick Dalton JrBoard Member
Ray McAlisterBoard Member
Tracy McCurryBoard Member
Joye DoddBoard Secretary
William BeamCredit Committee Member
Barbara HarbertSupervisory Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$530,688
Investment Income
$37,170
Other Revenue
$134,860
Change in Net Assets
$78,185
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$351,649
Salaries, Compensation, and Employee Benefits$272,884
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Accounting---$166,456
Other Salaries and Wages---$109,785
Current Officers, Directors, Trustees, and Key Employees---$82,000
Other Employee Benefits---$81,099
Office Expenses---$62,623
Travel---$29,142
Advertising---$24,971
Depreciation Depletion---$10,490
Other Expenses---$9,689
All Other Expenses---$4,787
Conferences and Meetings---$2,600
Total Functional Expenses$0$0$0$624,533
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$8,628,424
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

“The President of the credit union is married to a credit committee member.”

Form 990, Part VI, Section A, Line 6

“The credit union has members.”

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

“The members elect the Board of Directors.”

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

“Members approve mergers between credit unions.”

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

“The President reviews on behalf of the Board of Directors.”

Form 990, Part VI, Section B, Line 15

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

Form 990, Part VI, Section C, Line 19

“Upon request”

Filing and Contact Details

Filer

Filer Name
Ethicon Credit Union
EIN
58-1354498
Phone
7067665459
Address
655 Ethicon Circle, Cornelia, GA 30531

Signing Officer

Name
Melany Ward
Title
Vice President
Phone
7067765459
Signed
2015-05-15
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

Firm
JBarrett Consulting LLC
Address
PO Box 704, Fairmount, GA 30139
Preparer
Jason Barrett
Phone
7707220725
Raw XML AppendixShowing 400 of 403 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/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01989212
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02067394
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05002733
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04993960
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt017776
IRS990ScheduleD/EquipmentGrp/DepreciationAmt037331
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt055107
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/Amt08628424
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Membership Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt017776
IRS990ScheduleD/TotalLiabilityAmt08628424
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The President of the credit union is married to a credit committee member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The credit union has members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The members elect the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Members approve mergers between credit unions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The President reviews on behalf of the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation is determined by education, industry standards, 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/TotalAssetsBOYAmt011219819
IRS990/TotalAssetsEOYAmt011165320
IRS990/TotalAssetsGrp/BOYAmt011219819
IRS990/TotalAssetsGrp/EOYAmt011165320
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0624533
IRS990/TotalGrossUBIAmt05536
IRS990/TotalLiabilitiesBOYAmt08892483
IRS990/TotalLiabilitiesEOYAmt08759736
IRS990/TotalLiabilitiesGrp/BOYAmt08892483
IRS990/TotalLiabilitiesGrp/EOYAmt08759736
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02327336
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02405584
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0530688
IRS990/TotalReportableCompFromOrgAmt082000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0697182
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0702718
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05536
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011219819
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011165320
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt029142
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0655 Ethicon Circle
IRS990/USAddress/CityNm0Cornelia
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd030531
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0ethiconcu.org
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Melany Ward
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Vice President
ReturnHeader/BusinessOfficerGrp/PhoneNum07067765459
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Ethicon Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0ETHI
ReturnHeader/Filer/EIN0581354498
ReturnHeader/Filer/PhoneNum07067665459
ReturnHeader/Filer/USAddress/AddressLine1Txt0655 Ethicon Circle
ReturnHeader/Filer/USAddress/CityNm0Cornelia
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd030531
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0473115951
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JBarrett Consulting LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 704
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Fairmount
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd030139
ReturnHeader/PreparerPersonGrp/PhoneNum07707220725
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jason Barrett
ReturnHeader/ReturnTs02015-05-15T10:42:29-07:00
ReturnHeader/ReturnTypeCd0990

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,165,320
Liabilities
$8,759,736
Net assets
$2,405,584
Revenue
$702,718
Expenses
$624,533
Net income
$78,185
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