Civic Intelligence

The Wright Credit Union

990 • Fiscal year 2013 • EIN 58-6040949

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 04, 2014

Organization Profilethewrightcu.org

View Organization Page

PO Box 238Toccoa, GA 30577

(706) 886-2908

Siviq Scores

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

Liabilities / Assets

35th percentile

0.84x

Higher debt load relative to assets than 35% of similar nonprofits.

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

Liabilities / Revenue

60th percentile

22.00x

Higher debt load relative to revenue than 60% of similar nonprofits.

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

Net Margin

60th percentile

6.6%

Higher net margin than 60% of similar nonprofits.

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

Top Officer Pay

25th percentile

$51,914

Higher top officer pay than 25% 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

7th percentile

-4.8%

Faster asset growth than 7% of similar nonprofits.

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

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets35th percentile

Assets

Down

$11,923,010

Down $599,198 (-4.8%) from 2012

Net Assets

Up

$1,855,132

Up $30,063 (+1.6%) from 2012

Liabilities

Down

$10,067,878

Down $629,261 (-5.9%) from 2012

Revenue And Expenses
Liabilities / Revenue60th percentileNet Margin60th percentile

Revenue

$457,699

No earlier filing loaded for comparison.

Expenses

Down

$427,634

Down $48,890 (-10%) from 2012

Net Income

$30,065

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $12,010,459Liabilities 2010: $10,247,100Net Assets 2010: $1,763,3592010Assets 2011: $12,409,518Liabilities 2011: $10,584,552Net Assets 2011: $1,824,9662011Assets 2012: $12,522,208Liabilities 2012: $10,697,139Net Assets 2012: $1,825,0692012Assets 2013: $11,923,010Liabilities 2013: $10,067,878Net Assets 2013: $1,855,1322013Assets 2014: $11,783,146Liabilities 2014: $9,875,632Net Assets 2014: $1,907,5142014Assets 2015: $12,426,734Liabilities 2015: $10,442,630Net Assets 2015: $1,984,1042015Assets 2016: $12,451,578Liabilities 2016: $10,398,151Net Assets 2016: $2,053,4272016Assets 2017: $12,779,937Liabilities 2017: $10,716,799Net Assets 2017: $2,063,1382017Assets 2018: $12,566,270Liabilities 2018: $10,430,330Net Assets 2018: $2,135,9402018Assets 2020: $14,250,838Liabilities 2020: $11,987,482Net Assets 2020: $2,263,3562020Assets 2021: $16,048,564Liabilities 2021: $13,625,883Net Assets 2021: $2,422,6812021Assets 2022: $16,307,584Liabilities 2022: $13,688,661Net Assets 2022: $2,618,9232022Assets 2023: $16,554,376Liabilities 2023: $13,780,640Net Assets 2023: $2,773,7362023Assets 2024: $16,434,229Liabilities 2024: $13,794,882Net Assets 2024: $2,639,3472024

Highlighted filing

2013

Assets$11,923,010
Liabilities$10,067,878
Net Assets$1,855,132
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0Expenses 2010: $598,3092010Expenses 2011: $496,1712011Expenses 2012: $476,5242012Revenue 2013: $457,699Expenses 2013: $427,634Net Income 2013: $30,0652013Revenue 2014: $446,847Expenses 2014: $394,466Net Income 2014: $52,3812014Revenue 2015: $458,653Expenses 2015: $383,833Net Income 2015: $74,8202015Revenue 2016: $475,639Expenses 2016: $404,194Net Income 2016: $71,4452016Revenue 2017: $445,583Expenses 2017: $435,873Net Income 2017: $9,7102017Revenue 2018: $508,772Expenses 2018: $435,970Net Income 2018: $72,8022018Revenue 2020: $573,970Expenses 2020: $494,128Net Income 2020: $79,8422020Revenue 2021: $673,315Expenses 2021: $513,990Net Income 2021: $159,3252021Revenue 2022: $852,328Expenses 2022: $654,841Net Income 2022: $197,4872022Revenue 2023: $1,100,520Expenses 2023: $745,707Net Income 2023: $354,8132023Revenue 2024: $1,189,308Expenses 2024: $1,164,526Net Income 2024: $24,7822024

Highlighted filing

2013

Revenue$457,699
Expenses$427,634
Net Income$30,065
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 4, 2014
Return Version
2013v3.0
Gross Receipts
$457,699
Mission and Program Overview

Mission

Credit union - to provide for approximately 1,804 members in the form of loans, savings, and other financial services.

State Chartered Member Served Credit union-Financial Institution

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$6,794,177$6,355,615▼ $438,562
Accounts Receivable$4,942,087$4,994,364▲ $52,277
Rtn Earn Endowment Incm Other Fnds$1,825,069$1,855,132▲ $30,063
Cash and Non-Interest-Bearing Accounts$502,649$367,096▼ $135,553
Land, Buildings, and Equipment, Net$199,905$183,112▼ $16,793
Prepaid Expenses and Deferred Charges$38,390$22,053▼ $16,337
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$12,522,208$11,923,010▼ $599,198
Other Assets Total$45,000$770▼ $44,230
Liabilities
Other Liabilities$10,660,283$10,038,852▼ $621,431
Accounts Payable and Accrued Expenses$36,856$29,026▼ $7,830
Total Liabilities$10,697,139$10,067,878▼ $629,261
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,825,069$1,855,132▲ $30,063
Total Liabilities and Net Assets / Fund Balance$12,522,208$11,923,010▼ $599,198

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$123,199$81,027$0
Other Land Buildings$166$4,176$0
Land$25,000-$0
Equipment$22,548$71,764$0
Leasehold Improvements$12,199$38,645$0
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mary Ann ShirleyPresidentFT$51,914$51,914
Melissa ThomasonSecretary/Assistant ManagerFT$35,939$35,939

Board Members and Trustees

NameTitle
Gail JamesonChairman of the Board
Kay SmithDirector- Chair of the Supervisory Committee
Cecil SwaffordDirector
LT OwenDirector
Robert LoudermilkDirector
Pamela CobbDirector-Supervisory Committee
Mark RichardsonCredit Committee
Betty TerrellSupervisory Committee
Rick AddisonSupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$348,330
Investment Income
$32,625
Other Revenue
$76,744
Change in Net Assets
$30,065
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$233,140
Salaries, Compensation, and Employee Benefits$194,494
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$87,538
Comp Disqual Persons---$72,715
Office Expenses---$56,403
Insurance---$28,478
Fees for Services Other---$19,021
Fees for Services Accounting---$14,650
Payroll Taxes---$13,322
Pension Plan Contributions---$11,690
Conferences and Meetings---$11,554
Depreciation Depletion---$10,545
Occupancy---$10,095
Other Employee Benefits---$9,229
Advertising---$5,670
Other Expenses---$5,520
Information Technology---$3,071
Travel---$872
All Other Expenses---$851
Total Functional Expenses$0$0$0$427,634
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$10,038,852
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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 Board”

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

“Members vote on mergers”

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

“Management review on behalf of board”

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

“Management and Board regularly keep track of any conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“Based on experience, industry standard, and education. Salaries are reviewed each year.”

Form 990, Part VI, Section C, Line 19

“Financials are posted and all other documents are available upon request”

Filing and Contact Details

Filer

EIN
58-6040949
Phone
7068862908

Signing Officer

Name
Mary Ann Shirley
Title
President
Phone
7068862908
Signed
2014-11-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mary Ann Shirley
Formed
1963
Legal Domicile
Ga
Voting Board Members
9
Independent Board Members
9
Employees
7
Volunteers
0

Preparer

Preparer
Jason Barrett
Phone
7707220725
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“rounding”

Raw XML AppendixShowing 400 of 427 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/PrepaidExpensesDefrdChargesGrp/EOYAmt022053
IRS990/PrincipalOfficerNm0Mary Ann Shirley
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0348330
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0348330
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt034980
IRS990/PYOtherExpensesAmt0279308
IRS990/PYOtherRevenueAmt084617
IRS990/PYProgramServiceRevenueAmt0374437
IRS990/PYRevenuesLessExpensesAmt017510
IRS990/PYSalariesCompEmpBnftPaidAmt0197216
IRS990/PYTotalExpensesAmt0476524
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0494034
IRS990/ReconcilationRevenueExpnssAmt030065
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/BOYAmt01825069
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01855132
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06794177
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06355615
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0123199
IRS990ScheduleD/BuildingsGrp/DepreciationAmt081027
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0204226
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt022548
IRS990ScheduleD/EquipmentGrp/DepreciationAmt071764
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt094312
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt025000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt025000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt012199
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt038645
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt050844
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0166
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt04176
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt04342
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010038852
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0183112
IRS990ScheduleD/TotalLiabilityAmt010038852
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members vote on mergers
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management review on behalf of board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Management and Board regularly keep track of any conflicts of interest.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Based on experience, industry standard, and education. Salaries are reviewed each year.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financials are posted and all other documents are available upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7rounding
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt012522208
IRS990/TotalAssetsEOYAmt011923010
IRS990/TotalAssetsGrp/BOYAmt012522208
IRS990/TotalAssetsGrp/EOYAmt011923010
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0427634
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010697139
IRS990/TotalLiabilitiesEOYAmt010067878
IRS990/TotalLiabilitiesGrp/BOYAmt010697139
IRS990/TotalLiabilitiesGrp/EOYAmt010067878
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01825069
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01855132
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0348330
IRS990/TotalReportableCompFromOrgAmt087853
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0457699
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0457699
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012522208
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011923010
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0872
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10PO BOX 238
IRS990/USAddress/City0TOCCOA
IRS990/USAddress/State0GA
IRS990/USAddress/ZIPCode030577
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0thewrightcu.org
IRS990/WhistleblowerPolicyInd01
ReasonableCauseExplanation/ExplanationTxt0Extensions were filed
ReturnHeader/BuildTS02015-11-30 17:44:51Z

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$11,923,010
Liabilities
$10,067,878
Net assets
$1,855,132
Revenue
$457,699
Expenses
$427,634
Net income
$30,065
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$16.4$13.8$2.64$1.19$1.16$0.02
2023Detailed filing. Detailed filing data is available for this year.$16.6$13.8$2.77$1.10$0.75$0.35
2022Detailed filing. Detailed filing data is available for this year.$16.3$13.7$2.62$0.85$0.65$0.20
2021Detailed filing. Detailed filing data is available for this year.$16.0$13.6$2.42$0.67$0.51$0.16
2020Detailed filing. Detailed filing data is available for this year.$14.3$12.0$2.26$0.57$0.49$0.08
2018Summary only. Only limited summary data is available for this year.$12.6$10.4$2.14$0.51$0.44$0.07
2017Summary only. Only limited summary data is available for this year.$12.8$10.7$2.06$0.45$0.44$0.01
2016Summary only. Only limited summary data is available for this year.$12.5$10.4$2.05$0.48$0.40$0.07
2015Detailed filing. Detailed filing data is available for this year.$12.4$10.4$1.98$0.46$0.38$0.07
2014Detailed filing. Detailed filing data is available for this year.$11.8$9.88$1.91$0.45$0.39$0.05
2013Detailed filing. Detailed filing data is available for this year.$11.9$10.1$1.86$0.46$0.43$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.5$10.7$1.83$0.48
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$10.6$1.82$0.50
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.0$10.2$1.76$0.60