Civic Intelligence

Workmen'S Circle Credit Union

990 • Fiscal year 2015 • EIN 58-6038163

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 08, 2016

Organization ProfileWWW.WORKMENSCIRCLECU.COM

View Organization Page

527 Stephenson Avenue Suite 2Savannah, GA 31405

(912) 356-9225

Siviq Scores

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

Liabilities / Assets

12th percentile

0.81x

Higher debt load relative to assets than 12% of similar nonprofits.

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

Liabilities / Revenue

69th percentile

21.91x

Higher debt load relative to revenue than 69% of similar nonprofits.

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

Net Margin

100th percentile

59%

Higher net margin than 100% of similar nonprofits.

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

Top Officer Pay

37th percentile

$121,939

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

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

Asset Growth

63rd percentile

5.9%

Faster asset growth than 63% of similar nonprofits.

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

Revenue Growth

40th percentile

0.8%

Faster revenue growth than 40% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets12th percentile

Assets

Up

$61,820,821

Up $3,425,171 (+5.9%) from 2014

Net Assets

Up

$12,017,441

Up $1,334,162 (+12%) from 2014

Liabilities

Up

$49,803,380

Up $2,091,009 (+4.4%) from 2014

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin100th percentile

Revenue

Up

$2,273,562

Up $17,948 (+0.8%) from 2014

Expenses

Up

$939,400

Up $175,183 (+23%) from 2014

Net Income

Down

$1,334,162

Down $157,235 (-11%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$150M$100M$50M$0Assets 2010: $45,255,032Liabilities 2010: $40,339,604Net Assets 2010: $4,915,4282010Assets 2011: $48,777,652Liabilities 2011: $43,266,561Net Assets 2011: $5,511,0912011Assets 2012: $53,266,411Liabilities 2012: $46,865,518Net Assets 2012: $6,400,8932012Assets 2013: $58,022,618Liabilities 2013: $48,830,736Net Assets 2013: $9,191,8822013Assets 2014: $58,395,650Liabilities 2014: $47,712,371Net Assets 2014: $10,683,2792014Assets 2015: $61,820,821Liabilities 2015: $49,803,380Net Assets 2015: $12,017,4412015Assets 2016: $69,500,488Liabilities 2016: $56,122,945Net Assets 2016: $13,377,5432016Assets 2017: $68,805,974Liabilities 2017: $54,010,505Net Assets 2017: $14,795,4692017Assets 2018: $70,996,116Liabilities 2018: $54,660,287Net Assets 2018: $16,335,8292018Assets 2019: $74,605,619Liabilities 2019: $56,814,775Net Assets 2019: $17,790,8442019Assets 2020: $93,807,894Liabilities 2020: $74,823,874Net Assets 2020: $18,984,0202020Assets 2021: $104,394,807Liabilities 2021: $83,944,971Net Assets 2021: $20,449,8362021Assets 2022: $110,795,129Liabilities 2022: $88,934,158Net Assets 2022: $21,860,9712022Assets 2023: $119,718,974Liabilities 2023: $96,994,821Net Assets 2023: $22,724,1532023

Highlighted filing

2015

Assets$61,820,821
Liabilities$49,803,380
Net Assets$12,017,441
Open 2015 Filing

Operations Trend

Revenue Growth40th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,527,5002010Expenses 2011: $1,621,6152011Expenses 2012: $1,467,1522012Revenue 2013: $2,297,553Expenses 2013: -$493,436Net Income 2013: $2,790,9892013Revenue 2014: $2,255,614Expenses 2014: $764,217Net Income 2014: $1,491,3972014Revenue 2015: $2,273,562Expenses 2015: $939,400Net Income 2015: $1,334,1622015Revenue 2016: $2,425,849Expenses 2016: $1,065,747Net Income 2016: $1,360,1022016Revenue 2017: $2,678,076Expenses 2017: $1,260,150Net Income 2017: $1,417,9262017Revenue 2018: $2,972,765Expenses 2018: $1,432,405Net Income 2018: $1,540,3602018Revenue 2019: $3,117,586Expenses 2019: $1,662,571Net Income 2019: $1,455,0152019Revenue 2020: $3,086,195Expenses 2020: $1,893,019Net Income 2020: $1,193,1762020Revenue 2021: $2,967,140Expenses 2021: $1,501,324Net Income 2021: $1,465,8162021Revenue 2022: $3,391,934Expenses 2022: $1,980,800Net Income 2022: $1,411,1342022Revenue 2023: $5,224,623Expenses 2023: $4,596,182Net Income 2023: $628,4412023

Highlighted filing

2015

Revenue$2,273,562
Expenses$939,400
Net Income$1,334,162
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 8, 2016
Return Version
2015v2.1
Gross Receipts
$2,273,562
Mission and Program Overview

Mission

A credit union serving 1260 members who live or work in chatham county but do not have another occupational credit union that they may join.

A credit union serving 1300 members who live or work in chatham county but do not have another occupational credit union that they may join.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$39,941,521$42,319,344▲ $2,377,823
Savings and Temporary Cash Investments$17,292,471$17,621,376▲ $328,905
Rtn Earn Endowment Incm Other Fnds$10,128,430$11,462,592▲ $1,334,162
Investments Program Related$126,118$721,163▲ $595,045
Land, Buildings, and Equipment, Net$232,526$560,479▲ $327,953
Pd in Cap Srpls Land Bldg Eqp Fund$554,849$554,849→ $0
Receivables From Officers Etc$406,590$196,675▼ $209,915
Total Assets$58,395,650$61,820,821▲ $3,425,171
Other Assets Total$396,424$401,784▲ $5,360
Liabilities
Other Liabilities$47,696,775$49,761,939▲ $2,065,164
Accounts Payable and Accrued Expenses$15,596$41,441▲ $25,845
Total Liabilities$47,712,371$49,803,380▲ $2,091,009
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,683,279$12,017,441▲ $1,334,162
Total Liabilities and Net Assets / Fund Balance$58,395,650$61,820,821▲ $3,425,171

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$721,163--
Buildings$496,447$61,654-
Land$59,250--
Equipment$4,782$100,053-
Other Assets Org$401,784--
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Chris a MiltiadesPresidentFT$121,939$121,939
Donna a SmithAsst. SecretaryFT$72,252$72,252
Jessica M NeeleyKey EmployeeFT$53,274$53,274

Board Members and Trustees

NameTitle
Leon Aronson DdsChairman of the Board
Frank Hoffman MdLoan Committee Chairman
Paul Kulbersh DmdMarketing Committee Chairman
Lloyd Goodman MdSupervisory Committee Chairman
Chris a MiltiadesDirector
Stephen GreenbergExecutive Committee Member
Harold B YellinLoan Committee Member
Gale HirshMarketing Committee Member
Fred E Rabhan DpmSecretary
Judge Michael KarpfSupervisory Committee Member
Michael KoodenSupervisory Committee Member

Highest Paid Contractors

ContractorServicesLocationCompensation
None---
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,178,524
Investment Income
$86,370
Other Revenue
$8,668
Change in Net Assets
$1,334,162
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$581,568
Salaries, Compensation, and Employee Benefits$357,832
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses---$389,270
Current Officers, Directors, Trustees, and Key Employees---$247,465
Other Salaries and Wages---$55,973
Fees for Services Accounting---$30,311
Office Expenses---$27,654
Information Technology---$26,029
Payroll Taxes---$24,750
Insurance---$22,476
Depreciation Depletion---$22,058
Other Employee Benefits---$19,630
All Other Expenses---$17,626
Travel---$14,351
Pension Plan Contributions---$10,014
Conferences and Meetings---$9,968
Occupancy---$9,380
Advertising---$9,149
Fees for Services Legal---$3,296
Total Functional Expenses$0$0$0$939,400
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$406,590$196,675▼ $209,915
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares & Deposits$49,761,939
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI

“Line 19 - financial statements are posted on a bulletin board in the lobby of the credit union. Therefore it can be viewed by anyone visiting the credit union. Lines 15a & 15b - the president and officers as well as supporting staff are subject to performance reviews on an annual basis.”

Filing and Contact Details

Filer

Filer Name
Workmens Circle Credit Union
EIN
58-6038163
Address
527 STEPHENSON AVENUE SUITE 2, SAVANNAH, GA 31405

Signing Officer

Name
Chris Miltiades
Title
President
Phone
9123569225
Signed
2016-03-08

Organization Details

Principal Officer
Chris Miltiades
Formed
1950
Legal Domicile
Ga
Voting Board Members
11
Independent Board Members
0
Employees
5
Raw XML Appendix379 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/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02062120
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1116404
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt073004
IRS990/PYOtherExpensesAmt0431171
IRS990/PYOtherRevenueAmt020941
IRS990/PYProgramServiceRevenueAmt02161669
IRS990/PYRevenuesLessExpensesAmt01491397
IRS990/PYSalariesCompEmpBnftPaidAmt0333046
IRS990/PYTotalExpensesAmt0764217
IRS990/PYTotalRevenueAmt02255614
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0406590
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0196675
IRS990/ReconcilationRevenueExpnssAmt01334162
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt02273562
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010128430
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011462592
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017292471
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017621376
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0496447
IRS990ScheduleD/BuildingsGrp/DepreciationAmt061654
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0558101
IRS990ScheduleD/EquipmentGrp/BookValueAmt04782
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0100053
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0104835
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0721163
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0ACCRUALS & PREPAIDS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt059250
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt059250
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0401784
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUA INSURANCE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt049761939
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES & DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0560479
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0401784
IRS990ScheduleD/TotalBookValueProgramRltdAmt0721163
IRS990ScheduleD/TotalLiabilityAmt049761939
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt052229
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1143822
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2624
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SHARE SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SHARE SECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt084025
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1150355
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt250000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0FRED E RABHAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1STEPHEN GREENBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2STEPHEN GREENBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LINE 19 - FINANCIAL STATEMENTS ARE POSTED ON A BULLETIN BOARD IN THE LOBBY OF THE CREDIT UNION. THEREFORE IT CAN BE VIEWED BY ANYONE VISITING THE CREDIT UNION. LINES 15A & 15B - THE PRESIDENT AND OFFICERS AS WELL AS SUPPORTING STAFF ARE SUBJECT TO PERFORMANCE REVIEWS ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0PART VI
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt058395650
IRS990/TotalAssetsEOYAmt061820821
IRS990/TotalAssetsGrp/BOYAmt058395650
IRS990/TotalAssetsGrp/EOYAmt061820821
IRS990/TotalCompGreaterThan150KInd0false
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0939400
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt047712371
IRS990/TotalLiabilitiesEOYAmt049803380
IRS990/TotalLiabilitiesGrp/BOYAmt047712371
IRS990/TotalLiabilitiesGrp/EOYAmt049803380
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt010683279
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012017441
IRS990/TotalProgramServiceExpensesAmt0939400
IRS990/TotalProgramServiceRevenueAmt02178524
IRS990/TotalReportableCompFromOrgAmt0247465
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02273562
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt058395650
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt061820821
IRS990/TravelGrp/TotalAmt014351
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.WORKMENSCIRCLECU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRIS MILTIADES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09123569225
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WORKMENS CIRCLE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WORK
ReturnHeader/Filer/EIN0586038163
ReturnHeader/Filer/USAddress/AddressLine1Txt0527 STEPHENSON AVENUE SUITE 2
ReturnHeader/Filer/USAddress/CityNm0SAVANNAH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031405
ReturnHeader/ReturnTs02016-03-09T14:43:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$61,820,821
Liabilities
$49,803,380
Net assets
$12,017,441
Revenue
$2,273,562
Expenses
$939,400
Net income
$1,334,162
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$120$97.0$22.7$5.22$4.60$0.63
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$88.9$21.9$3.39$1.98$1.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$104$83.9$20.4$2.97$1.50$1.47
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$93.8$74.8$19.0$3.09$1.89$1.19
2019Summary only. Only limited summary data is available for this year.$74.6$56.8$17.8$3.12$1.66$1.46
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.0$54.7$16.3$2.97$1.43$1.54
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.8$54.0$14.8$2.68$1.26$1.42
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$69.5$56.1$13.4$2.43$1.07$1.36
2015Detailed filing. Detailed filing data is available for this year.$61.8$49.8$12.0$2.27$0.94$1.33
2014Detailed filing. Detailed filing data is available for this year.$58.4$47.7$10.7$2.26$0.76$1.49
2013Detailed filing. Detailed filing data is available for this year.$58.0$48.8$9.19$2.30$0.49$2.79
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.3$46.9$6.40$1.47
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.8$43.3$5.51$1.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.3$40.3$4.92$1.53
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $50M-$100M nonprofits