Civic Intelligence

Elevator Credit Union

990 • Fiscal year 2013 • EIN 62-0514070

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 25, 2014

Organization Profile

View Organization Page

PO Box 36838654

(662) 895-2964

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

90th percentile

32.15x

Higher debt load relative to revenue than 90% of similar nonprofits.

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

Net Margin

87th percentile

17%

Higher net margin than 87% of similar nonprofits.

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

Top Officer Pay

24th percentile

$49,962

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 15.5% of source-year revenue.

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

Asset Growth

58th percentile

2.2%

Faster asset growth than 58% 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

Up

$12,279,452

Up $268,287 (+2.2%) from 2012

Net Assets

Up

$1,910,853

Up $53,976 (+2.9%) from 2012

Liabilities

Up

$10,368,599

Up $214,311 (+2.1%) from 2012

Revenue And Expenses
Liabilities / Revenue90th percentileNet Margin87th percentile

Revenue

$322,472

No earlier filing loaded for comparison.

Expenses

Up

$268,496

Up $43,674 (+19%) from 2012

Net Income

$53,976

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$15M$10M$5.0M$0Assets 2010: $11,129,687Liabilities 2010: $9,441,578Net Assets 2010: $1,688,1092010Assets 2011: $11,558,913Liabilities 2011: $9,796,534Net Assets 2011: $1,762,3792011Assets 2012: $12,011,165Liabilities 2012: $10,154,288Net Assets 2012: $1,856,8772012Assets 2013: $12,279,452Liabilities 2013: $10,368,599Net Assets 2013: $1,910,8532013Assets 2014: $12,801,986Liabilities 2014: $10,822,304Net Assets 2014: $1,979,6822014Assets 2015: $13,651,834Liabilities 2015: $11,573,547Net Assets 2015: $2,078,2872015Assets 2016: $14,463,921Liabilities 2016: $12,292,511Net Assets 2016: $2,171,4102016

Highlighted filing

2013

Assets$12,279,452
Liabilities$10,368,599
Net Assets$1,910,853
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0Expenses 2010: $448,0872010Expenses 2011: $257,7762011Expenses 2012: $224,8222012Revenue 2013: $322,472Expenses 2013: $268,496Net Income 2013: $53,9762013Revenue 2014: $353,448Expenses 2014: $284,619Net Income 2014: $68,8292014Revenue 2015: $433,540Expenses 2015: $334,935Net Income 2015: $98,6052015Revenue 2016: $505,046Expenses 2016: $411,923Net Income 2016: $93,1232016

Highlighted filing

2013

Revenue$322,472
Expenses$268,496
Net Income$53,976
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 25, 2014
Return Version
2013v3.0
Gross Receipts
$322,472
Mission and Program Overview

Mission

N/A This credit union is a member-owned not-for-profit organization.

The most important activity is it is a member owned not-for-profit fiancial cooperative.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$9,445,061$8,735,784▼ $709,277
Accounts Receivable$2,006,783$2,555,606▲ $548,823
Rtn Earn Endowment Incm Other Fnds$1,856,877$1,910,853▲ $53,976
Cash and Non-Interest-Bearing Accounts$353,434$803,322▲ $449,888
Land, Buildings, and Equipment, Net$46,139$35,307▼ $10,832
Prepaid Expenses and Deferred Charges$35,361$27,258▼ $8,103
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$12,011,165$12,279,452▲ $268,287
Other Assets Total$124,387$122,175▼ $2,212
Liabilities
Other Liabilities$10,149,419$10,356,451▲ $207,032
Accounts Payable and Accrued Expenses$4,869$12,148▲ $7,279
Grants Payable$0--
Escrow Account Liability-$0-
Total Liabilities$10,154,288$10,368,599▲ $214,311
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,856,877$1,910,853▲ $53,976
Total Liabilities and Net Assets / Fund Balance$12,011,165$12,279,452▲ $268,287

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$35,307$49,789$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Pam CollierOffice ManagerFT$49,962$49,962
Ray GinnBoard TreasurerPT$4,850$4,850

Board Members and Trustees

NameTitle
Charles CunninghamBoard President
Jeremy PratherBoard Vice-President
Thomas TylerBoard Member-at-large
Sue PoffBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$146,998
Investment Income
$144,217
Other Revenue
$31,257
Change in Net Assets
$53,976
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$152,601
Salaries, Compensation, and Employee Benefits$115,271
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$89,959
Office Expenses---$63,544
Occupancy---$24,882
Interest---$20,504
Fees for Services Accounting---$16,472
Pension Plan Contributions---$11,032
Depreciation Depletion---$10,835
Travel---$10,691
Insurance---$8,225
Payroll Taxes---$7,161
Other Employee Benefits---$7,119
Other Expenses---$2,683
Conferences and Meetings---$2,367
Advertising---$2,129
All Other Expenses---$1,906
Benefits to Members---$624
Total Functional Expenses$0$0$0$268,496
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members share Deposits$10,356,451
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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, Part VI, Section A, Line 6

“Section A. Line 6 The credit union does not have stockholders in the usual sense. Its members consist of employees of the sponsoring company and their immediate family members.”

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

“The members elect board members at the annual meeting and the members have the right to vote on goverance matters.”

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

“The members elect board members at the annual meeting and the members have the right to vote on governance matters”

Form 990, Part VI, Section A, Line 8B

“There are no committees with authority to act on behalf of the governing body”

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

“The completed Form 990 is sent by email to each of its 5 board member for their review at the time it is completed. At the next scheduled monthly board meeting, it is included in the agenda as an item of discussion.”

Form 990, Part VI, Section C, Line 19

“The credit union has only one office. All financial records, policies, etc. are kept at that office and are available to the public upon request.”

Filing and Contact Details

Filer

EIN
62-0514070
Phone
6628952964

Signing Officer

Name
Raymond Ginn
Title
Treasurer
Phone
6157942863
Signed
2014-11-25

Organization Details

Formed
1967
Legal Domicile
Ms
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
8
Raw XML Appendix368 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/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section A. Line 6 The credit union does not have stockholders in the usual sense. Its members consist of employees of the sponsoring company and their immediate family members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members elect board members at the annual meeting and the members have the right to vote on goverance matters.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The members elect board members at the annual meeting and the members have the right to vote on governance matters
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3There are no committees with authority to act on behalf of the governing body
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The completed Form 990 is sent by email to each of its 5 board member for their review at the time it is completed. At the next scheduled monthly board meeting, it is included in the agenda as an item of discussion.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The credit union has only one office. All financial records, policies, etc. are kept at that office and are available to the public 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 A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
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/TotalAssetsBOYAmt012011165
IRS990/TotalAssetsEOYAmt012279452
IRS990/TotalAssetsGrp/BOYAmt012011165
IRS990/TotalAssetsGrp/EOYAmt012279452
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0268496
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010154288
IRS990/TotalLiabilitiesEOYAmt010368599
IRS990/TotalLiabilitiesGrp/BOYAmt010154288
IRS990/TotalLiabilitiesGrp/EOYAmt010368599
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01856877
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01910853
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0146998
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0146998
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0146998
IRS990/TotalReportableCompFromOrgAmt054812
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0322472
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0322472
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012011165
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012279452
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt010691
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine108279 Frontage Rd
IRS990/USAddress/AddressLine20PO Box 368
IRS990/USAddress/City0Olive Branch
IRS990/USAddress/State0MS
IRS990/USAddress/ZIPCode038654
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd00
ReasonableCauseExplanation/ExplanationTxt0Form 990 was originally filed by mail and not electronically.
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Raymond Ginn
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum06157942863
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-25
ReturnHeader/Filer/BusinessName/BusinessNameLine10ELEVATOR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ELEV
ReturnHeader/Filer/EIN0620514070
ReturnHeader/Filer/PhoneNum06628952964
ReturnHeader/Filer/USAddress/AddressLine10PO Box 368
ReturnHeader/Filer/USAddress/City0Olive Branch
ReturnHeader/Filer/USAddress/State0MS
ReturnHeader/Filer/USAddress/ZIPCode038654
ReturnHeader/ReturnTs02014-11-26T11:19:50-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$12,279,452
Liabilities
$10,368,599
Net assets
$1,910,853
Revenue
$322,472
Expenses
$268,496
Net income
$53,976
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$14.5$12.3$2.17$0.51$0.41$0.09
2015Detailed filing. Detailed filing data is available for this year.$13.7$11.6$2.08$0.43$0.33$0.10
2014Detailed filing. Detailed filing data is available for this year.$12.8$10.8$1.98$0.35$0.28$0.07
2013Detailed filing. Detailed filing data is available for this year.$12.3$10.4$1.91$0.32$0.27$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.0$10.2$1.86$0.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$9.80$1.76$0.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.1$9.44$1.69$0.45