Civic Intelligence

Dixie Line Credit Union

990 • Fiscal year 2016 • EIN 62-0631778

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 14, 2017

567 Veritas StreetNashville, TN 37211

(615) 331-5121

Siviq Scores

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

Liabilities / Assets

40th percentile

0.84x

Higher debt load relative to assets than 40% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

40th percentile

17.01x

Higher debt load relative to revenue than 40% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Net Margin

73rd percentile

11%

Higher net margin than 73% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

40th percentile

$49,395

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 10.1% of source-year revenue.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Asset Growth

94th percentile

11%

Faster asset growth than 94% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

65th percentile

3.6%

Faster revenue growth than 65% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Assets

Up

$9,969,557

Up $1,015,328 (+11%) from 2015

Net Assets

Down

$1,638,946

Down $149,076 (-8.3%) from 2015

Liabilities

Up

$8,330,611

Up $1,164,404 (+16%) from 2015

Revenue

Up

$489,886

Up $16,956 (+3.6%) from 2015

Expenses

Up

$435,751

Up $101,645 (+30%) from 2015

Net Income

Down

$54,135

Down $84,689 (-61%) from 2015

Historical Trend

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2010: $7,511,407Liabilities 2010: $5,956,681Net Assets 2010: $1,554,7262010Assets 2011: $8,276,237Liabilities 2011: $6,694,295Net Assets 2011: $1,581,9422011Assets 2012: $8,066,552Liabilities 2012: $6,639,449Net Assets 2012: $1,427,1032012Assets 2013: $7,796,182Liabilities 2013: $6,337,339Net Assets 2013: $1,458,8432013Assets 2014: $7,908,867Liabilities 2014: $6,326,596Net Assets 2014: $1,582,2712014Assets 2015: $8,954,229Liabilities 2015: $7,166,207Net Assets 2015: $1,788,0222015Assets 2016: $9,969,557Liabilities 2016: $8,330,611Net Assets 2016: $1,638,9462016Assets 2017: $11,134,942Liabilities 2017: $9,257,497Net Assets 2017: $1,877,4452017Assets 2018: $10,937,610Liabilities 2018: $8,982,213Net Assets 2018: $1,955,3972018Assets 2019: $11,997,964Liabilities 2019: $10,059,895Net Assets 2019: $1,938,0692019Assets 2020: $12,942,414Liabilities 2020: $10,951,557Net Assets 2020: $1,990,8572020Assets 2021: $12,473,443Liabilities 2021: $10,404,092Net Assets 2021: $2,069,3512021Assets 2022: $12,133,176Liabilities 2022: $9,947,076Net Assets 2022: $2,186,1002022Assets 2023: $11,595,689Liabilities 2023: $9,236,312Net Assets 2023: $2,359,3772023Assets 2024: $12,785,560Liabilities 2024: $10,342,835Net Assets 2024: $2,442,7252024Assets 2025: $13,191,363Liabilities 2025: $10,921,566Net Assets 2025: $2,269,7972025

Highlighted filing

2016

Assets$9,969,557
Liabilities$8,330,611
Net Assets$1,638,946

Operations Trend

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $461,6872010Expenses 2011: $473,8452011Expenses 2012: $599,6782012Revenue 2013: $444,508Expenses 2013: $406,810Net Income 2013: $37,6982013Revenue 2014: $414,972Expenses 2014: $333,729Net Income 2014: $81,2432014Revenue 2015: $472,930Expenses 2015: $334,106Net Income 2015: $138,8242015Revenue 2016: $489,886Expenses 2016: $435,751Net Income 2016: $54,1352016Revenue 2017: $563,849Expenses 2017: $503,177Net Income 2017: $60,6722017Revenue 2018: $594,698Expenses 2018: $516,746Net Income 2018: $77,9522018Revenue 2019: $621,439Expenses 2019: $638,767Net Income 2019: -$17,3282019Revenue 2020: $545,634Expenses 2020: $492,846Net Income 2020: $52,7882020Revenue 2021: $503,138Expenses 2021: $424,644Net Income 2021: $78,4942021Revenue 2022: $607,520Expenses 2022: $490,771Net Income 2022: $116,7492022Revenue 2023: $755,346Expenses 2023: $582,069Net Income 2023: $173,2772023Revenue 2024: $894,766Expenses 2024: $811,418Net Income 2024: $83,3482024Revenue 2025: $922,945Expenses 2025: $1,067,854Net Income 2025: -$144,9092025

Highlighted filing

2016

Revenue$489,886
Expenses$435,751
Net Income$54,135
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 14, 2017
Return Version
2016v3.0
Gross Receipts
$489,886
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$7,129,793$7,201,905▲ $72,112
Savings and Temporary Cash Investments$1,502,737$1,418,614▼ $84,123
Rtn Earn Endowment Incm Other Fnds$1,444,125$1,266,917▼ $177,208
Investments Other Securities-$995,000-
Cap Stk Tr Prin Current Funds$343,897$372,029▲ $28,132
Cash and Non-Interest-Bearing Accounts$163,648$150,313▼ $13,335
Receivables From Officers Etc$19,868$93,456▲ $73,588
Land, Buildings, and Equipment, Net$40,768$31,875▼ $8,893
Prepaid Expenses and Deferred Charges$75,255$6,744▼ $68,511
Total Assets$8,954,229$9,969,557▲ $1,015,328
Other Assets Total$22,160$71,650▲ $49,490
Liabilities
Other Liabilities$7,165,028$8,311,827▲ $1,146,799
Accounts Payable and Accrued Expenses$1,179$18,784▲ $17,605
Total Liabilities$7,166,207$8,330,611▲ $1,164,404
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,788,022$1,638,946▼ $149,076
Total Liabilities and Net Assets / Fund Balance$8,954,229$9,969,557▲ $1,015,328

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$15,076$48,439$63,515
Equipment$5,884$53,796$59,680
Leasehold Improvements$9$18,035$18,044
Land$9,638-$9,638
Other Land Buildings$1,268$8,132$9,400
Other Securities$995,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Kathy JonesManagerFT$49,395$49,395

Board Members and Trustees

NameTitle
Joseph P BurnsPresident
James BraselVice President
Travis SheltonDirector
Ronald WaynickSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$434,040
Investment Income
$0
Other Revenue
$55,846
Change in Net Assets
$54,135
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$278,094
Salaries, Compensation, and Employee Benefits$157,657
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$108,262$0$0$108,262
Current Officers, Directors, Trustees, and Key Employees$49,395$0$0$49,395
Other Expenses$49,242$0$0$49,242
Occupancy$23,534$0$0$23,534
Depreciation Depletion$10,086$0$0$10,086
Total Functional Expenses$435,751$0$0$435,751
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$19,868$93,456▲ $73,588
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member deposits$8,311,827
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
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
Filing and Contact Details

Filer

Filer Name
Dixie Line Credit Union
EIN
62-0631778
Phone
6153315121
Address
567 Veritas Street, Nashville, TN 37211

Signing Officer

Name
Joseph P Burns Sr
Title
President
Phone
6153315121
Signed
2017-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joseph P Burns Sr
Formed
1992
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
7
Volunteers
5

Preparer

Firm
Milton G Anderson CPA Pc
Address
3640A Central Pike, Hermitage, TN 37076
Preparer
Milton G Anderson CPA
Phone
6159426547
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

BOARD MEETING

Pt VI, Line 15A

COMPENSATON COMMITTEE

Pt VI, Line 15B

COMPENSATION COMMITTE

Pt VI, Line 19

UPON REQUEST

Pt VI, Line 6

CU MEMBERS

Pt VI, Line 7A

SEPARATE COMMITTEE

Pt VI, Line 7B

CU BOARD OR COMMITTEE

Pt VI, Line 12C

CU BOARD OBSERVATION

Pt XI

Line 10: cu adjustments to fixed assets

Raw XML AppendixShowing 400 of 417 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7CC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt07180
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt221150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt329469
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt412000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt55000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt634012
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt714000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt88999
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0RONALD WAYNICK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1RONALD WAYNICK
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3RONALD WAYNICK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4MELISSA RIDLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5TRAVIS SHELTON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6TRAVIS SHELTON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7KATHY JONES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8KATHY JONES
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Director
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8true
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1COMPENSATON COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPENSATION COMMITTE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CU MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5SEPARATE COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CU BOARD OR COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CU BOARD OBSERVATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8LINE 10: CU ADJUSTMENTS TO FIXED ASSETS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt XI
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
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IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt08954229
IRS990/TotalAssetsEOYAmt09969557
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IRS990/TotalAssetsGrp/EOYAmt09969557
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0435751
IRS990/TotalFunctionalExpensesGrp/TotalAmt0435751
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt08330611
IRS990/TotalLiabilitiesGrp/BOYAmt07166207
IRS990/TotalLiabilitiesGrp/EOYAmt08330611
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01638946
IRS990/TotalProgramServiceRevenueAmt0434040
IRS990/TotalReportableCompFromOrgAmt049395
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0489886
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0489886
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08954229
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt09969557
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0567 Veritas St
IRS990/USAddress/CityNm0Nashville
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037211
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOSEPH P BURNS SR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06153315121
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Dixie Line Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0DIXI
ReturnHeader/Filer/EIN0620631778
ReturnHeader/Filer/PhoneNum06153315121
ReturnHeader/Filer/USAddress/AddressLine1Txt0567 Veritas Street
ReturnHeader/Filer/USAddress/CityNm0Nashville
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037211
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0C3A0052F1DD6181E415B17EB55AEB967F80D91BF
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId093CCC744F08D31FF9F3F2DB467315F7182E00731
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$13.2$10.9$2.27$0.92$1.07$0.14
2024Detailed filing. Detailed filing data is available for this year.$12.8$10.3$2.44$0.89$0.81$0.08
2023Detailed filing. Detailed filing data is available for this year.$11.6$9.24$2.36$0.76$0.58$0.17
2022Detailed filing. Detailed filing data is available for this year.$12.1$9.95$2.19$0.61$0.49$0.12
2021Detailed filing. Detailed filing data is available for this year.$12.5$10.4$2.07$0.50$0.42$0.08
2020Detailed filing. Detailed filing data is available for this year.$12.9$11.0$1.99$0.55$0.49$0.05
2019Detailed filing. Detailed filing data is available for this year.$12.0$10.1$1.94$0.62$0.64$0.02
2018Detailed filing. Detailed filing data is available for this year.$10.9$8.98$1.96$0.59$0.52$0.08
2017Detailed filing. Detailed filing data is available for this year.$11.1$9.26$1.88$0.56$0.50$0.06
2016Detailed filing. Detailed filing data is available for this year.$9.97$8.33$1.64$0.49$0.44$0.05
2015Detailed filing. Detailed filing data is available for this year.$8.95$7.17$1.79$0.47$0.33$0.14
2014Detailed filing. Detailed filing data is available for this year.$7.91$6.33$1.58$0.41$0.33$0.08
2013Detailed filing. Detailed filing data is available for this year.$7.80$6.34$1.46$0.44$0.41$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.07$6.64$1.43$0.60
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.28$6.69$1.58$0.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.51$5.96$1.55$0.46