Civic Intelligence

Agility Financial Credit Union

990 • Fiscal year 2014 • EIN 62-0116612

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 30, 2015

Organization ProfileAGILITYFINANCIAL.COM

View Organization Page

495 Union AvenueMemphis, TN 38103

(901) 529-2760

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.89x

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

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

49th percentile

19.66x

Higher debt load relative to revenue than 49% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Net Margin

20th percentile

-11%

Higher net margin than 20% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

93rd percentile

$84,551

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 19.0% of source-year revenue.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Asset Growth

33rd percentile

-1.9%

Faster asset growth than 33% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Revenue Growth

85th percentile

6.0%

Faster revenue growth than 85% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Down

$9,809,707

Down $192,074 (-1.9%) from 2013

Net Assets

Down

$1,071,367

Down $47,210 (-4.2%) from 2013

Liabilities

Down

$8,738,340

Down $144,864 (-1.6%) from 2013

Revenue And Expenses
Liabilities / Revenue49th percentileNet Margin20th percentile

Revenue

Up

$444,380

Up $24,968 (+6.0%) from 2013

Expenses

Up

$491,592

Up $79,009 (+19%) from 2013

Net Income

Down

-$47,212

Down $54,041 (-791%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth33rd percentile

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

$15M$10M$5.0M$0Assets 2011: $9,891,894Liabilities 2011: $8,786,339Net Assets 2011: $1,105,5552011Assets 2012: $10,055,223Liabilities 2012: $8,937,453Net Assets 2012: $1,117,7702012Assets 2013: $10,001,781Liabilities 2013: $8,883,204Net Assets 2013: $1,118,5772013Assets 2014: $9,809,707Liabilities 2014: $8,738,340Net Assets 2014: $1,071,3672014Assets 2015: $11,819,829Liabilities 2015: $10,774,610Net Assets 2015: $1,045,2192015Assets 2016: $10,188,037Liabilities 2016: $9,127,150Net Assets 2016: $1,060,8872016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2014

Assets$9,809,707
Liabilities$8,738,340
Net Assets$1,071,367
Open 2014 Filing

Operations Trend

Revenue Growth85th percentile

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

$600K$400K$200K$0-$200KExpenses 2011: $447,1272011Expenses 2012: $396,0762012Revenue 2013: $419,412Expenses 2013: $412,583Net Income 2013: $6,8292013Revenue 2014: $444,380Expenses 2014: $491,592Net Income 2014: -$47,2122014Revenue 2015: $436,101Expenses 2015: $462,248Net Income 2015: -$26,1472015Revenue 2016: $409,228Expenses 2016: $393,560Net Income 2016: $15,6682016Revenue 2017: $193,144Expenses 2017: $359,668Net Income 2017: -$166,5242017

Highlighted filing

2014

Revenue$444,380
Expenses$491,592
Net Income-$47,212
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 30, 2015
Return Version
2014v5.0
Gross Receipts
$444,380
Mission and Program Overview

Mission

To provide services for approximately 1,231 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$4,374,041$4,204,695▼ $169,346
Investments Other Securities$4,805,768$3,211,768▼ $1,594,000
Savings and Temporary Cash Investments-$1,245,000-
Cash and Non-Interest-Bearing Accounts$579,628$887,716▲ $308,088
Rtn Earn Endowment Incm Other Fnds$885,790$838,580▼ $47,210
Cap Stk Tr Prin Current Funds$232,787$232,787→ $0
Prepaid Expenses and Deferred Charges$127,091$141,340▲ $14,249
Land, Buildings, and Equipment, Net$18,561$19,802▲ $1,241
Total Assets$10,001,781$9,809,707▼ $192,074
Other Assets Total$96,692$99,386▲ $2,694
Liabilities
Other Liabilities$8,639,726$8,589,060▼ $50,666
Accounts Payable and Accrued Expenses$243,478$149,280▼ $94,198
Total Liabilities$8,883,204$8,738,340▼ $144,864
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,118,577$1,071,367▼ $47,210
Total Liabilities and Net Assets / Fund Balance$10,001,781$9,809,707▼ $192,074

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$19,801$38,183$57,984
Leasehold Improvements$1$41,193$41,194
Other Securities$73,768--
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kay MimsCEOFT$75,090$9,461$84,551

Board Members and Trustees

NameTitle
William Bill HughesBoard Presid
Glenn EdwardsBoard Secret
Stanley CarrollBoard Treasu
Leroy SmithBoard Vice P
David MinnerSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$393,235
Investment Income
$51,145
Other Revenue
$0
Change in Net Assets
$-47,212
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$310,539
Salaries, Compensation, and Employee Benefits$181,053
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$144,862-$144,862
Office Expenses-$103,733-$103,733
Pension Plan Contributions-$17,990-$17,990
Occupancy-$17,644-$17,644
Interest-$14,993-$14,993
Payroll Taxes-$13,645-$13,645
All Other Expenses-$12,355-$12,355
Other Expenses-$8,601-$8,601
Other Employee Benefits-$4,556-$4,556
Conferences and Meetings-$1,554-$1,554
Total Functional Expenses$0$491,592$0$491,592
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
All Other Shares$4,386,553
Regular Shares$2,567,028
Share Drafts$1,635,479
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Other officer compensation reviewed
No
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, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decision made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Agility Financial Credit Union
EIN
62-0116612
Phone
9015292760
Address
495 UNION AVENUE, MEMPHIS, TN 38103

Signing Officer

Name
Kay Mims
Title
CEO
Phone
9015292760
Signed
2015-03-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kay Mims
Formed
1933
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
5

Preparer

Firm
Leverage the Lscu Service Corporation
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Keith T Mcmurtrie
Phone
8505581102
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union does not have any unrelated business income.”

Form 990, Part XI, Line 9

“DUE TO ROUNDING 2”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML Appendix342 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISION MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DUE TO ROUNDING 2
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt010001781
IRS990/TotalAssetsEOYAmt09809707
IRS990/TotalAssetsGrp/BOYAmt010001781
IRS990/TotalAssetsGrp/EOYAmt09809707
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0491592
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0491592
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08883204
IRS990/TotalLiabilitiesEOYAmt08738340
IRS990/TotalLiabilitiesGrp/BOYAmt08883204
IRS990/TotalLiabilitiesGrp/EOYAmt08738340
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01118577
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01071367
IRS990/TotalOtherCompensationAmt09461
IRS990/TotalProgramServiceExpensesAmt0491592
IRS990/TotalProgramServiceRevenueAmt0393235
IRS990/TotalReportableCompFromOrgAmt075090
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0444380
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0444380
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010001781
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt09809707
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0495 UNION AVENUE
IRS990/USAddress/CityNm0MEMPHIS
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd038103
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0AGILITYFINANCIAL.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KAY MIMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09015292760
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AGILITY FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0AGIL
ReturnHeader/Filer/EIN0620116612
ReturnHeader/Filer/PhoneNum09015292760
ReturnHeader/Filer/USAddress/AddressLine1Txt0495 UNION AVENUE
ReturnHeader/Filer/USAddress/CityNm0MEMPHIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd038103
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0591086132
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02015-03-31
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH T MCMURTRIE
ReturnHeader/ReturnTs02015-03-31T09:55:52-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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
$9,809,707
Liabilities
$8,738,340
Net assets
$1,071,367
Revenue
$444,380
Expenses
$491,592
Net income
-$47,212
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.19$0.36$0.17
2016Detailed filing. Detailed filing data is available for this year.$10.2$9.13$1.06$0.41$0.39$0.02
2015Detailed filing. Detailed filing data is available for this year.$11.8$10.8$1.05$0.44$0.46$0.03
2014Detailed filing. Detailed filing data is available for this year.$9.81$8.74$1.07$0.44$0.49$0.05
2013Detailed filing. Detailed filing data is available for this year.$10.0$8.88$1.12$0.42$0.41$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.1$8.94$1.12$0.40
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.89$8.79$1.11$0.45