Civic Intelligence

The Wright Credit Union

990 • Fiscal year 2014 • EIN 58-6040949

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 10, 2015

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.

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

Liabilities / Revenue

61st percentile

22.10x

Higher debt load relative to revenue than 61% of similar nonprofits.

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

Net Margin

71st percentile

12%

Higher net margin than 71% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2014

Asset Growth

26th percentile

-1.2%

Faster asset growth than 26% of similar nonprofits.

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

Revenue Growth

40th percentile

-2.4%

Faster revenue growth than 40% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets35th percentile

Assets

Down

$11,783,146

Down $139,864 (-1.2%) from 2013

Net Assets

Up

$1,907,514

Up $52,382 (+2.8%) from 2013

Liabilities

Down

$9,875,632

Down $192,246 (-1.9%) from 2013

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin71st percentile

Revenue

Down

$446,847

Down $10,852 (-2.4%) from 2013

Expenses

Down

$394,466

Down $33,168 (-7.8%) from 2013

Net Income

Up

$52,381

Up $22,316 (+74%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth26th 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

2014

Assets$11,783,146
Liabilities$9,875,632
Net Assets$1,907,514
Open 2014 Filing

Operations Trend

Revenue Growth40th percentile

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

2014

Revenue$446,847
Expenses$394,466
Net Income$52,381
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 10, 2015
Return Version
2014v5.0
Gross Receipts
$446,847
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$6,355,615$6,239,530▼ $116,085
Accounts Receivable$4,994,364$4,934,560▼ $59,804
Rtn Earn Endowment Incm Other Fnds$1,855,132$1,907,514▲ $52,382
Cash and Non-Interest-Bearing Accounts$367,096$417,591▲ $50,495
Land, Buildings, and Equipment, Net$183,112$168,212▼ $14,900
Prepaid Expenses and Deferred Charges$22,053$23,253▲ $1,200
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,923,010$11,783,146▼ $139,864
Other Assets Total$770$0▼ $770
Liabilities
Other Liabilities$10,038,852$9,840,131▼ $198,721
Accounts Payable and Accrued Expenses$29,026$35,501▲ $6,475
Total Liabilities$10,067,878$9,875,632▼ $192,246
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,855,132$1,907,514▲ $52,382
Total Liabilities and Net Assets / Fund Balance$11,923,010$11,783,146▼ $139,864

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$118,092$86,134$0
Other Land Buildings$-1,562$5,904$0
Land$25,000-$0
Equipment$16,136$67,881$0
Leasehold Improvements$10,546$41,173$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Mary Ann ShirleyPresidentFT$52,934$52,934
Melissa ThomasonSecretary/Assistant ManagerFT$36,695$36,695

Board Members and Trustees

NameTitle
Gail JamesonChairman of the Board
Kay SmithDirector- Chair of the Supervisory Committee
Cecil SwaffordDirector/Chair of Credit Committee
LT OwenDirector
Betty TerrellDirector/Supervisory Committee
Robert LoudermilkDirector/Supervisory Committee
Mark RichardsonCredit Committee
Rick AddisonSupervisory Committee
Tyler TaylorSupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$341,584
Investment Income
$35,644
Other Revenue
$69,619
Change in Net Assets
$52,381
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$200,754
Salaries, Compensation, and Employee Benefits$193,712
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---$89,629
Other Salaries and Wages---$71,924
Office Expenses---$71,791
Other Expenses---$34,789
Fees for Services Other---$25,719
Insurance---$13,885
Payroll Taxes---$13,051
Pension Plan Contributions---$11,360
Depreciation Depletion---$11,100
Occupancy---$10,358
Travel---$7,971
Other Employee Benefits---$7,748
Advertising---$7,162
Conferences and Meetings---$4,200
All Other Expenses---$1,128
Total Functional Expenses$0$0$0$394,466
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$9,840,131
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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 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 reviews 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 standards, and education. Salaries are reviewed annually.”

Form 990, Part VI, Section C, Line 19

“Financials are posted and all other docs available upon request.”

Filing and Contact Details

Filer

Filer Name
The Wright Credit Union
EIN
58-6040949
Phone
7068862908
Address
PO Box 238, Toccoa, GA 30577

Signing Officer

Name
Mary Ann Shirley
Title
President
Phone
7068862908
Signed
2015-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mary Ann Shirley
Formed
1963
Legal Domicile
Ga
Voting Board Members
7
Independent Board Members
7
Employees
6
Volunteers
0

Preparer

Firm
JBarrett Consulting LLC
Address
PO Box 704, Fairmount, GA 30139
Preparer
Jason Barrett
Phone
7707220725
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Rounding”

Raw XML AppendixShowing 400 of 422 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/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0341584
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0341584
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt032625
IRS990/PYOtherExpensesAmt0233140
IRS990/PYOtherRevenueAmt076744
IRS990/PYProgramServiceRevenueAmt0348330
IRS990/PYRevenuesLessExpensesAmt030065
IRS990/PYSalariesCompEmpBnftPaidAmt0194494
IRS990/PYTotalExpensesAmt0427634
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0457699
IRS990/ReconcilationRevenueExpnssAmt052381
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/BOYAmt01855132
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01907514
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06355615
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06239530
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0118092
IRS990ScheduleD/BuildingsGrp/DepreciationAmt086134
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0204226
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt016136
IRS990ScheduleD/EquipmentGrp/DepreciationAmt067881
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt084017
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt025000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt025000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt010546
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt041173
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt051719
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0-1562
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt05904
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt04342
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09840131
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0168212
IRS990ScheduleD/TotalLiabilityAmt09840131
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members vote on mergers
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews on behalf of Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Management and Board regularly keep track of any conflicts of interest
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Based on experience, industry standards, and education. Salaries are reviewed annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financials are posted and all other docs 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/TotalAssetsBOYAmt011923010
IRS990/TotalAssetsEOYAmt011783146
IRS990/TotalAssetsGrp/BOYAmt011923010
IRS990/TotalAssetsGrp/EOYAmt011783146
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0394466
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010067878
IRS990/TotalLiabilitiesEOYAmt09875632
IRS990/TotalLiabilitiesGrp/BOYAmt010067878
IRS990/TotalLiabilitiesGrp/EOYAmt09875632
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01855132
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01907514
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0341584
IRS990/TotalReportableCompFromOrgAmt089629
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0446847
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0446847
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011923010
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011783146
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt07971
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 238
IRS990/USAddress/CityNm0Toccoa
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd030577
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0thewrightcu.org
IRS990/WhistleblowerPolicyInd01
ReasonableCauseExplanation/ExplanationTxt0Extension was filed.
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Mary Ann Shirley
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07068862908
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-10

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$11,783,146
Liabilities
$9,875,632
Net assets
$1,907,514
Revenue
$446,847
Expenses
$394,466
Net income
$52,381
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