Civic Intelligence

Elevator Credit Union

990 • Fiscal year 2014 • EIN 62-0514070

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 13, 2015

Organization Profile

View Organization Page

PO Box 368Olive Branch, MS 38654

(662) 895-2964

Siviq Scores

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

Liabilities / Assets

38th percentile

0.85x

Higher debt load relative to assets than 38% of similar nonprofits.

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

Liabilities / Revenue

89th percentile

30.62x

Higher debt load relative to revenue than 89% of similar nonprofits.

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

Net Margin

88th percentile

19%

Higher net margin than 88% of similar nonprofits.

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

Top Officer Pay

46th percentile

$68,829

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 19.5% of source-year revenue.

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

Asset Growth

73rd percentile

4.3%

Faster asset growth than 73% of similar nonprofits.

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

Revenue Growth

89th percentile

9.6%

Faster revenue growth than 89% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$12,801,986

Up $522,534 (+4.3%) from 2013

Net Assets

Up

$1,979,682

Up $68,829 (+3.6%) from 2013

Liabilities

Up

$10,822,304

Up $453,705 (+4.4%) from 2013

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin88th percentile

Revenue

Up

$353,448

Up $30,976 (+9.6%) from 2013

Expenses

Up

$284,619

Up $16,123 (+6.0%) from 2013

Net Income

Up

$68,829

Up $14,853 (+28%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth73rd 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

2014

Assets$12,801,986
Liabilities$10,822,304
Net Assets$1,979,682
Open 2014 Filing

Operations Trend

Revenue Growth89th percentile

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

2014

Revenue$353,448
Expenses$284,619
Net Income$68,829
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 13, 2015
Return Version
2014v5.0
Gross Receipts
$353,448
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$8,735,784$9,035,028▲ $299,244
Accounts Receivable$2,555,606$3,010,886▲ $455,280
Rtn Earn Endowment Incm Other Fnds$1,910,853$1,979,682▲ $68,829
Cash and Non-Interest-Bearing Accounts$803,322$581,188▼ $222,134
Land, Buildings, and Equipment, Net$35,307$26,859▼ $8,448
Prepaid Expenses and Deferred Charges$27,258$16,058▼ $11,200
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Loans From Officers Directors$0--
Total Assets$12,279,452$12,801,986▲ $522,534
Other Assets Total$122,175$131,967▲ $9,792
Liabilities
Other Liabilities$10,356,451$10,809,652▲ $453,201
Accounts Payable and Accrued Expenses$12,148$12,652▲ $504
Escrow Account Liability$0--
Total Liabilities$10,368,599$10,822,304▲ $453,705
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,910,853$1,979,682▲ $68,829
Total Liabilities and Net Assets / Fund Balance$12,279,452$12,801,986▲ $522,534

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$26,859$61,795$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Pam CollierOffice ManagerFT$68,829$68,829
Ray GinnBoard TreasurerPT$4,850$4,850

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$353,448
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$68,829
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$174,521
Salaries, Compensation, and Employee Benefits$110,069
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$89,346
Office Expenses---$56,085
Interest---$26,923
Occupancy---$25,568
Fees for Services Accounting---$15,822
Depreciation Depletion---$11,631
Other Employee Benefits---$10,923
Insurance---$10,913
Travel---$7,003
Payroll Taxes---$6,833
Pension Plan Contributions---$2,967
Advertising---$1,937
Conferences and Meetings---$1,558
All Other Expenses---$1,389
Other Expenses---$499
Benefits to Members---$29
Total Functional Expenses$0$0$0$284,619
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--
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares of Members$10,809,652
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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, Part VI, Section A, Line 6

“This credit union does not have stockholders in the normal sense.”

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

“Members vote for the board and committee members at the annual meeting.”

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

“Members may vote on changes to bylaws or other goverance policies, etc. at the annual meeting or other special called meetings.”

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

“There are no committes which have the authority to act on behalf of the governing body.”

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

“A copy of the Form 990 is emailed to each board member, for their review, at the time it is completed and the Form is further reviewed by the board at its next regular monthly board meeting.”

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

“Board members are required to complete a conflict of interest form annually.”

Form 990, Part VI, Section C, Line 19

“They are available on request at the credit union office.”

Filing and Contact Details

Filer

Filer Name
Elevator Credit Union
EIN
62-0514070
Phone
6628952964
Address
PO Box 368, Olive Branch, MS 38654

Signing Officer

Name
Pam Collier
Title
Manager
Phone
6157942863
Signed
2015-04-13

Organization Details

Principal Officer
Charles Cunningham
Formed
1967
Legal Domicile
Ms
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
9
Raw XML Appendix365 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/ExplanationTxt0This credit union does not have stockholders in the normal sense.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote for the board and committee members at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members may vote on changes to bylaws or other goverance policies, etc. at the annual meeting or other special called meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3There are no committes which have the authority to act on behalf of the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A copy of the Form 990 is emailed to each board member, for their review, at the time it is completed and the Form is further reviewed by the board at its next regular monthly board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Board members are required to complete a conflict of interest form annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6They are available on request at the credit union office.
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 B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt012279452
IRS990/TotalAssetsEOYAmt012801986
IRS990/TotalAssetsGrp/BOYAmt012279452
IRS990/TotalAssetsGrp/EOYAmt012801986
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0284619
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010368599
IRS990/TotalLiabilitiesEOYAmt010822304
IRS990/TotalLiabilitiesGrp/BOYAmt010368599
IRS990/TotalLiabilitiesGrp/EOYAmt010822304
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01910853
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01979682
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0172498
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0172498
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0284619
IRS990/TotalProgramServiceRevenueAmt0353448
IRS990/TotalReportableCompFromOrgAmt073679
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0353448
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0353448
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012279452
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012801986
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt07003
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08279 Frontage Rd
IRS990/USAddress/CityNm0Olive Branch
IRS990/USAddress/StateAbbreviationCd0MS
IRS990/USAddress/ZIPCd038654
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Pam Collier
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06157942863
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ELEVATOR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ELEV
ReturnHeader/Filer/EIN0620514070
ReturnHeader/Filer/PhoneNum06628952964
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 368
ReturnHeader/Filer/USAddress/CityNm0Olive Branch
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MS
ReturnHeader/Filer/USAddress/ZIPCd038654
ReturnHeader/ReturnTs02015-04-12T11:46:04-07:00
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
$12,801,986
Liabilities
$10,822,304
Net assets
$1,979,682
Revenue
$353,448
Expenses
$284,619
Net income
$68,829
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