Civic Intelligence

Lexington Postal Community Credit Union

990 • Fiscal year 2015 • EIN 61-0446477

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 27, 2016

Organization Profilelexpcu.com

View Organization Page

PO Box 11001Lexington, KY 40512-1001

(859) 233-7902

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.86x

Higher debt load relative to assets than 43% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

72nd percentile

24.87x

Higher debt load relative to revenue than 72% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

7th percentile

-12%

Higher net margin than 7% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

12th percentile

$0

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

89th percentile

9.5%

Faster asset growth than 89% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

92nd percentile

12%

Faster revenue growth than 92% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$19,630,446

Up $1,701,483 (+9.5%) from 2014

Net Assets

Down

$2,800,119

Down $81,125 (-2.8%) from 2014

Liabilities

Up

$16,830,327

Up $1,782,608 (+12%) from 2014

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin7th percentile

Revenue

Up

$676,780

Up $73,215 (+12%) from 2014

Expenses

Up

$757,905

Up $75,012 (+11%) from 2014

Net Income

Down

-$81,125

Down $1,797 (-2.3%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth89th percentile

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

$30M$20M$10M$0Assets 2010: $17,055,700Liabilities 2010: $13,803,504Net Assets 2010: $3,252,1962010Assets 2011: $17,638,695Liabilities 2011: $14,423,921Net Assets 2011: $3,214,7742011Assets 2012: $18,529,216Liabilities 2012: $15,406,980Net Assets 2012: $3,122,2362012Assets 2013: $17,656,594Liabilities 2013: $14,696,022Net Assets 2013: $2,960,5722013Assets 2014: $17,928,963Liabilities 2014: $15,047,719Net Assets 2014: $2,881,2442014Assets 2015: $19,630,446Liabilities 2015: $16,830,327Net Assets 2015: $2,800,1192015Assets 2016: $21,550,371Liabilities 2016: $18,699,648Net Assets 2016: $2,850,7232016Assets 2017: $22,522,914Liabilities 2017: $19,569,192Net Assets 2017: $2,953,7222017Assets 2018: $22,659,061Liabilities 2018: $19,577,923Net Assets 2018: $3,081,1382018Assets 2019: $21,887,779Liabilities 2019: $18,784,076Net Assets 2019: $3,103,7032019Assets 2020: $25,491,427Liabilities 2020: $22,609,358Net Assets 2020: $2,882,0692020Assets 2021: $28,944,086Liabilities 2021: $26,246,852Net Assets 2021: $2,697,2342021Assets 2022: $28,364,562Liabilities 2022: $25,795,399Net Assets 2022: $2,569,1632022Assets 2023: $27,683,537Liabilities 2023: $25,239,960Net Assets 2023: $2,443,5772023Assets 2024: $26,245,343Liabilities 2024: $23,737,914Net Assets 2024: $2,507,4292024

Highlighted filing

2015

Assets$19,630,446
Liabilities$16,830,327
Net Assets$2,800,119
Open 2015 Filing

Operations Trend

Revenue Growth92nd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $744,5082010Expenses 2011: $609,3322011Revenue 2012: $553,278Expenses 2012: $645,816Net Income 2012: -$92,5382012Revenue 2013: $536,973Expenses 2013: $698,637Net Income 2013: -$161,6642013Revenue 2014: $603,565Expenses 2014: $682,893Net Income 2014: -$79,3282014Revenue 2015: $676,780Expenses 2015: $757,905Net Income 2015: -$81,1252015Revenue 2016: $796,310Expenses 2016: $745,706Net Income 2016: $50,6042016Revenue 2017: $926,299Expenses 2017: $823,300Net Income 2017: $102,9992017Revenue 2018: $1,060,229Expenses 2018: $932,813Net Income 2018: $127,4162018Revenue 2019: $1,084,305Expenses 2019: $1,061,740Net Income 2019: $22,5652019Revenue 2020: $894,882Expenses 2020: $1,116,516Net Income 2020: -$221,6342020Revenue 2021: $909,416Expenses 2021: $1,094,251Net Income 2021: -$184,8352021Revenue 2022: $891,893Expenses 2022: $1,007,618Net Income 2022: -$115,7252022Revenue 2023: $1,306,708Expenses 2023: $1,138,390Net Income 2023: $168,3182023Revenue 2024: $1,196,779Expenses 2024: $1,132,927Net Income 2024: $63,8522024

Highlighted filing

2015

Revenue$676,780
Expenses$757,905
Net Income-$81,125
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 27, 2016
Return Version
2015v2.1
Gross Receipts
$676,780
Mission and Program Overview

Mission

Lexington Postal Community Credit Union is committed to making available financial products and services that will enable our members and potential members to understand and meet their financial needs, while maintaining competitive loan and savings rates, and preserving the stability and confidence in the Credit Union.

Lexington Postal Credit Union is committed to making available financial products and services that will enable our members and potential members to understand and meet their financial needs, while maintaining competitive loan and savings rates, and preserving the stability and confidence in the Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$11,877,367$11,917,169▲ $39,802
Accounts Receivable$5,492,654$7,098,437▲ $1,605,783
Rtn Earn Endowment Incm Other Fnds$2,881,244$2,800,119▼ $81,125
Cash and Non-Interest-Bearing Accounts$297,285$312,355▲ $15,070
Prepaid Expenses and Deferred Charges$28,855$58,419▲ $29,564
Land, Buildings, and Equipment, Net$68,760$58,253▼ $10,507
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$17,928,963$19,630,446▲ $1,701,483
Other Assets Total$164,042$185,813▲ $21,771
Liabilities
Other Liabilities$15,031,574$16,814,153▲ $1,782,579
Accounts Payable and Accrued Expenses$16,145$16,174▲ $29
Total Liabilities$15,047,719$16,830,327▲ $1,782,608
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,881,244$2,800,119▼ $81,125
Total Liabilities and Net Assets / Fund Balance$17,928,963$19,630,446▲ $1,701,483

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$57,882$241,234$299,116
Buildings$0$73,119$73,119
Leasehold Improvements$371$13,457$13,828
Other Land Buildings$0$0$0
Land$0-$0
Compensation and Service Providers
Top Officer Pay12th percentile

Board Members and Trustees

NameTitle
Barry MarshallChairman
Phillip LykinsVice Chairman
Kathy HummerBoard Member
Carolyn TompkinsSecretary
Irv PowellTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$371,380
Investment Income
$71,769
Other Revenue
$233,631
Change in Net Assets
$-81,125
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$466,625
Salaries, Compensation, and Employee Benefits$277,959
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$209,032
Information Technology---$60,483
Fees for Services Accounting---$51,247
Other Employee Benefits---$50,814
Office Expenses---$48,616
Occupancy---$25,462
Payroll Taxes---$18,113
Depreciation Depletion---$17,121
Benefits to Members---$13,321
Payments to Affiliates---$9,754
Advertising---$7,554
Other Expenses---$7,463
Fees for Services Legal---$1,800
Conferences and Meetings---$837
Total Functional Expenses$0$0$0$757,905
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
Members Shares$16,814,153
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members make up the Credit Union Membership (2579)”

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

“Members elect other Members to the Governing Body/Members (2579)”

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

“Reviewed at the regular monthly Board Meeting”

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

“The policy is reviewed and a contract is signed annually by all parties. Management and the Supervisory Committee is responsible for monitoring the Board and Employee's Accounts.”

Form 990, Part VI, Section B, Line 15

“At the Budget Meeting, the Personnel Committee will make a recommendation for the President's salary and the Board votes.”

Form 990, Part VI, Section C, Line 19

“Financial Statements are posted in the Lobby of the Main Office, Governing Documents and Policies are available to Members upon request.”

Filing and Contact Details

Filer

Filer Name
Lexington Postal Credit Union
EIN
61-0446477
Phone
8592337902
Address
PO BOX 11001, LEXINGTON, KY 40512-1001

Signing Officer

Name
Sharon Stafford
Title
President
Phone
8592337902
Signed
2016-04-27

Organization Details

Principal Officer
Sharon Stafford
Formed
1928
Legal Domicile
Ky
Voting Board Members
5
Independent Board Members
5
Employees
12
Volunteers
9
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2

“We certify, to the best of our knowledge and belief, this statement and the related statements are true and correct and present fairly the financial position and the results of operations for the periods covered.”

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/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt07441
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt07441
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02881244
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02800119
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011877367
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011917169
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt073119
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt073119
IRS990ScheduleD/EquipmentGrp/BookValueAmt057882
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0241234
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0299116
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0371
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt013457
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt013828
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt016814153
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0We certify, to the best of our knowledge and belief, this statement and the related statements are true and correct and present fairly the financial position and the results of operations for the periods covered.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt058253
IRS990ScheduleD/TotalLiabilityAmt016814153
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members make up the Credit Union Membership (2579)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect other Members to the Governing Body/Members (2579)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Reviewed at the regular monthly Board Meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The policy is reviewed and a contract is signed annually by all parties. Management and the Supervisory Committee is responsible for monitoring the Board and Employee's Accounts.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4At the Budget Meeting, the Personnel Committee will make a recommendation for the President's salary and the Board votes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Financial Statements are posted in the Lobby of the Main Office, Governing Documents and Policies are available to Members upon request.
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 B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt017928963
IRS990/TotalAssetsEOYAmt019630446
IRS990/TotalAssetsGrp/BOYAmt017928963
IRS990/TotalAssetsGrp/EOYAmt019630446
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0757905
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015047719
IRS990/TotalLiabilitiesEOYAmt016830327
IRS990/TotalLiabilitiesGrp/BOYAmt015047719
IRS990/TotalLiabilitiesGrp/EOYAmt016830327
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02881244
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02800119
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0757905
IRS990/TotalProgramServiceRevenueAmt0371380
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0676780
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0676780
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017928963
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019630446
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 11001
IRS990/USAddress/CityNm0Lexington
IRS990/USAddress/StateAbbreviationCd0KY
IRS990/USAddress/ZIPCd040512
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0lexpcu.com
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Sharon Stafford
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum08592337902
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LEXINGTON POSTAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LEXI
ReturnHeader/Filer/EIN0610446477
ReturnHeader/Filer/PhoneNum08592337902
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 11001
ReturnHeader/Filer/USAddress/CityNm0LEXINGTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KY
ReturnHeader/Filer/USAddress/ZIPCd0405121001
ReturnHeader/ReturnTs02016-04-28T12:59:29-07:00
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
$19,630,446
Liabilities
$16,830,327
Net assets
$2,800,119
Revenue
$676,780
Expenses
$757,905
Net income
-$81,125
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$26.2$23.7$2.51$1.20$1.13$0.06
2023Detailed filing. Detailed filing data is available for this year.$27.7$25.2$2.44$1.31$1.14$0.17
2022Detailed filing. Detailed filing data is available for this year.$28.4$25.8$2.57$0.89$1.01$0.12
2021Detailed filing. Detailed filing data is available for this year.$28.9$26.2$2.70$0.91$1.09$0.18
2020Detailed filing. Detailed filing data is available for this year.$25.5$22.6$2.88$0.89$1.12$0.22
2019Detailed filing. Detailed filing data is available for this year.$21.9$18.8$3.10$1.08$1.06$0.02
2018Detailed filing. Detailed filing data is available for this year.$22.7$19.6$3.08$1.06$0.93$0.13
2017Detailed filing. Detailed filing data is available for this year.$22.5$19.6$2.95$0.93$0.82$0.10
2016Detailed filing. Detailed filing data is available for this year.$21.6$18.7$2.85$0.80$0.75$0.05
2015Detailed filing. Detailed filing data is available for this year.$19.6$16.8$2.80$0.68$0.76$0.08
2014Detailed filing. Detailed filing data is available for this year.$17.9$15.0$2.88$0.60$0.68$0.08
2013Detailed filing. Detailed filing data is available for this year.$17.7$14.7$2.96$0.54$0.70$0.16
2012Summary only. Only limited summary data is available for this year.$18.5$15.4$3.12$0.55$0.65$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.6$14.4$3.21$0.61
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.1$13.8$3.25$0.74