Civic Intelligence

Life Credit Union

990 • Fiscal year 2014 • EIN 62-0607232

Jan 01, 2014 to Dec 31, 2014 • Filed on May 15, 2015

Organization Profilewww.lifecu.org

View Organization Page

2010 CHURCH ST Room 204Nashville, TN 37203-2078

(615) 284-5403

Siviq Scores

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

Liabilities / Assets

51st percentile

0.88x

Higher debt load relative to assets than 51% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

13th percentile

12.16x

Higher debt load relative to revenue than 13% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

63rd percentile

10%

Higher net margin than 63% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

64th percentile

$107,858

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 4.9% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

54th percentile

2.0%

Faster asset growth than 54% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

39th percentile

-2.2%

Faster revenue growth than 39% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets51st percentile

Assets

Up

$30,258,122

Up $582,046 (+2.0%) from 2013

Net Assets

Up

$3,570,683

Up $228,138 (+6.8%) from 2013

Liabilities

Up

$26,687,439

Up $353,908 (+1.3%) from 2013

Revenue And Expenses
Liabilities / Revenue13th percentileNet Margin63rd percentile

Revenue

Down

$2,194,386

Down $48,467 (-2.2%) from 2013

Expenses

Down

$1,966,220

Down $11,091 (-0.6%) from 2013

Net Income

Down

$228,166

Down $37,376 (-14%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

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

$60M$40M$20M$0Assets 2010: $22,823,148Liabilities 2010: $20,038,663Net Assets 2010: $2,784,4852010Assets 2011: $25,059,165Liabilities 2011: $22,236,135Net Assets 2011: $2,823,0302011Assets 2012: $28,478,081Liabilities 2012: $25,401,078Net Assets 2012: $3,077,0032012Assets 2013: $29,676,076Liabilities 2013: $26,333,531Net Assets 2013: $3,342,5452013Assets 2014: $30,258,122Liabilities 2014: $26,687,439Net Assets 2014: $3,570,6832014Assets 2015: $31,506,230Liabilities 2015: $27,803,547Net Assets 2015: $3,702,6832015Assets 2016: $32,616,361Liabilities 2016: $28,764,507Net Assets 2016: $3,851,8542016Assets 2017: $33,830,548Liabilities 2017: $29,806,380Net Assets 2017: $4,024,1682017Assets 2018: $34,081,458Liabilities 2018: $30,103,185Net Assets 2018: $3,978,2732018Assets 2019: $34,355,140Liabilities 2019: $30,270,259Net Assets 2019: $4,084,8812019Assets 2020: $41,044,841Liabilities 2020: $37,169,338Net Assets 2020: $3,875,5032020

Highlighted filing

2014

Assets$30,258,122
Liabilities$26,687,439
Net Assets$3,570,683
Open 2014 Filing

Operations Trend

Revenue Growth39th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,921,8732010Revenue 2011: $2,273,633Expenses 2011: $2,205,606Net Income 2011: $68,0272011Expenses 2012: $2,065,9382012Revenue 2013: $2,242,853Expenses 2013: $1,977,311Net Income 2013: $265,5422013Revenue 2014: $2,194,386Expenses 2014: $1,966,220Net Income 2014: $228,1662014Revenue 2015: $2,200,676Expenses 2015: $2,068,704Net Income 2015: $131,9722015Revenue 2016: $2,388,715Expenses 2016: $2,239,544Net Income 2016: $149,1712016Revenue 2017: $2,482,818Expenses 2017: $2,310,504Net Income 2017: $172,3142017Revenue 2018: $2,561,707Expenses 2018: $2,607,602Net Income 2018: -$45,8952018Revenue 2019: $2,552,637Expenses 2019: $2,446,029Net Income 2019: $106,6082019Revenue 2020: $2,184,095Expenses 2020: $2,393,473Net Income 2020: -$209,3782020

Highlighted filing

2014

Revenue$2,194,386
Expenses$1,966,220
Net Income$228,166
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 15, 2015
Return Version
2014v5.0
Gross Receipts
$2,194,386
Mission and Program Overview

Mission

Provide quality, personal service that meets or exceeds member needs. Our goal is to develop and promote competitively-priced financial serivces, and deliver those services in a professional, convenient, efficient and cost effective manner.

Provide financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,119,565$21,567,392▲ $447,827
Savings and Temporary Cash Investments$6,917,021$7,363,875▲ $446,854
Rtn Earn Endowment Incm Other Fnds$2,562,545$2,790,683▲ $228,138
Cap Stk Tr Prin Current Funds$780,000$780,000→ $0
Receivables From Officers Etc$607,089$636,097▲ $29,008
Cash and Non-Interest-Bearing Accounts$687,227$343,368▼ $343,859
Land, Buildings, and Equipment, Net$91,210$235,678▲ $144,468
Prepaid Expenses and Deferred Charges$40,716$43,290▲ $2,574
Total Assets$29,676,076$30,258,122▲ $582,046
Other Assets Total$213,248$68,422▼ $144,826
Liabilities
Other Liabilities$26,052,612$26,519,242▲ $466,630
Accounts Payable and Accrued Expenses$280,919$168,197▼ $112,722
Total Liabilities$26,333,531$26,687,439▲ $353,908
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,342,545$3,570,683▲ $228,138
Total Liabilities and Net Assets / Fund Balance$29,676,076$30,258,122▲ $582,046

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$235,678$323,825-
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Pam TenpennyPresident/CEOFT$107,858$107,858
Benita HarpVice PresidentFT$87,943$87,943

Board Members and Trustees

NameTitle
Deborah JonesChairperson
Claude HuguleySupervisory Committee Chairperson
Linda FowlerVice-chairperson
Amber SimsBoard Member
Bubba McIntoshBoard Member
Dan LefflerBoard Member
Fran CofflandBoard Member
Robert FittersBoard Member
Jim DrewSecretary
Alex WhitleyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$681,407
Program Service Revenue
$1,437,635
Investment Income
$42,275
Other Revenue
$33,069
Change in Net Assets
$228,166
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,033,527
Salaries, Compensation, and Employee Benefits$932,693
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$527,338
All Other Expenses---$441,618
Current Officers, Directors, Trustees, and Key Employees---$195,801
Interest---$145,285
Fees for Services Accounting---$124,469
Other Employee Benefits---$119,330
Occupancy---$110,685
Depreciation Depletion---$76,483
Payroll Taxes---$56,929
Other Expenses---$38,404
Pension Plan Contributions---$33,295
Travel---$4,425
Conferences and Meetings---$3,300
Fees for Services Legal---$1,200
Total Functional Expenses$0$0$0$1,966,220
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
Receivables from Officers, Directors, Trustees, and Key Employees$607,089$636,097▲ $29,008
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$26,519,242
Shares Deposits-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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 6-7B

“Each individual who opens a share/savings account becomes a member of the credit union. The members vote on the board of directors”

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

“The 990 is reviewed by the president/ceo before filing, any board member can request a copy of the 990.”

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

“A code of conduct is signed annually”

Form 990, Part VI, Section B, Line 15A-B

“A software package is utilized that gives comparability data for personnel based on comparable industries and markets. Each officer and/or employee receives an annual review.”

Form 990, Part VI, Section C, Line 19

“Copies will be provided upon request”

Filing and Contact Details

Filer

Filer Name
Life Credit Union
EIN
62-0607232
Phone
6152845403
Address
2010 CHURCH ST Room 204, NASHVILLE, TN 37203-2078

Signing Officer

Name
Pam Tenpenny
Title
Presidentceo
Signed
2015-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Pam Tenpenny
Formed
1958
Legal Domicile
Tn
Voting Board Members
4,231
Independent Board Members
4,231
Employees
16
Volunteers
14

Preparer

Firm
Betts & Rubio Pllc
Address
2220 8TH AVE SOUTH, NASHVILLE, TN 37204
Preparer
Richard W Betts
Phone
6152978502
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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/PYOtherRevenueAmt053538
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IRS990/PYRevenuesLessExpensesAmt0265542
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IRS990/PYTotalRevenueAmt02242853
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IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0607089
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IRS990/ReconcilationRevenueExpnssAmt0228166
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0235678
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0323825
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0559503
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt026519242
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0235678
IRS990ScheduleD/TotalLiabilityAmt026519242
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0258923
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1118335
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt222958
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3163661
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt453395
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt512599
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt66227
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0LOC, AUTO, MORTGAGE, CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2SHARE SECURED, CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3MORTGAGE, CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4SIGNATURE, SECURED, AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0303728
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1151579
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt233952
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt3175245
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt456115
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt513586
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt66227
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BENITA HARP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1LESLIE A WHITLEY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2DEBORAH JONES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3PAMELA TENPENNY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4DEBORAH GIBSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JAMES HUGULEY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6REGINA TIDWEILL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0VICE PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1TREASURERS WIFE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CHAIRPERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3PRESIDENT/CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4SUPERVISORY COMM MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5SUPERVISORY COMM MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6SUPERVISORY COMM MEMBER
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/TotalBalanceDueAmt0636098
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EACH INDIVIDUAL WHO OPENS A SHARE/SAVINGS ACCOUNT BECOMES A MEMBER OF THE CREDIT UNION. THE MEMBERS VOTE ON THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE 990 IS REVIEWED BY THE PRESIDENT/CEO BEFORE FILING, ANY BOARD MEMBER CAN REQUEST A COPY OF THE 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A CODE OF CONDUCT IS SIGNED ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A SOFTWARE PACKAGE IS UTILIZED THAT GIVES COMPARABILITY DATA FOR PERSONNEL BASED ON COMPARABLE INDUSTRIES AND MARKETS. EACH OFFICER AND/OR EMPLOYEE RECEIVES AN ANNUAL REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COPIES WILL BE PROVIDED UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6-7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15A-B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt029676076
IRS990/TotalAssetsEOYAmt030258122
IRS990/TotalAssetsGrp/BOYAmt029676076
IRS990/TotalAssetsGrp/EOYAmt030258122
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0681407
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/TotalAmt01966220
IRS990/TotalGrossUBIAmt033069
IRS990/TotalLiabilitiesBOYAmt026333531
IRS990/TotalLiabilitiesEOYAmt026687439
IRS990/TotalLiabilitiesGrp/BOYAmt026333531
IRS990/TotalLiabilitiesGrp/EOYAmt026687439
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03342545
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03570683
IRS990/TotalProgramServiceRevenueAmt01437635
IRS990/TotalReportableCompFromOrgAmt0195801
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01479910
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02194386
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt033069
IRS990/TotalVolunteersCnt014

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
$30,258,122
Liabilities
$26,687,439
Net assets
$3,570,683
Revenue
$2,194,386
Expenses
$1,966,220
Net income
$228,166
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.0$37.2$3.88$2.18$2.39$0.21
2019Summary only. Only limited summary data is available for this year.$34.4$30.3$4.08$2.55$2.45$0.11
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.1$30.1$3.98$2.56$2.61$0.05
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.8$29.8$4.02$2.48$2.31$0.17
2016Summary only. Only limited summary data is available for this year.$32.6$28.8$3.85$2.39$2.24$0.15
2015Summary only. Only limited summary data is available for this year.$31.5$27.8$3.70$2.20$2.07$0.13
2014Detailed filing. Detailed filing data is available for this year.$30.3$26.7$3.57$2.19$1.97$0.23
2013Detailed filing. Detailed filing data is available for this year.$29.7$26.3$3.34$2.24$1.98$0.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.5$25.4$3.08$2.07
2011Summary only. Only limited summary data is available for this year.$25.1$22.2$2.82$2.27$2.21$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.8$20.0$2.78$1.92
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2014 filings • 501(c)14 • $25M-$50M nonprofits