Civic Intelligence

Ngh Credit Union

990 • Fiscal year 2016 • EIN 62-0679725

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 02, 2017

Organization ProfileN/A

View Organization Page

1818 Albion StreetNashville, TN 37208

(615) 341-4455

Siviq Scores

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

Liabilities / Assets

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

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

Liabilities / Revenue

12th percentile

9.43x

Higher debt load relative to revenue than 12% of similar nonprofits.

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

Net Margin

4th percentile

-38%

Higher net margin than 4% of similar nonprofits.

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

Top Officer Pay

76th percentile

$68,546

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 10.4% of source-year revenue.

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

Asset Growth

33rd percentile

-1.4%

Faster asset growth than 33% of similar nonprofits.

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

Revenue Growth

98th percentile

21%

Faster revenue growth than 98% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$6,736,788

Down $95,272 (-1.4%) from 2015

Net Assets

Down

$495,974

Down $250,459 (-34%) from 2015

Liabilities

Up

$6,240,814

Up $155,187 (+2.6%) from 2015

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin4th percentile

Revenue

Up

$661,652

Up $115,393 (+21%) from 2015

Expenses

Up

$912,111

Up $237,174 (+35%) from 2015

Net Income

Down

-$250,459

Down $121,781 (-95%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth33rd percentile

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

$10M$5.0M$0Assets 2010: $8,026,561Liabilities 2010: $6,767,729Net Assets 2010: $1,258,8322010Assets 2011: $7,832,647Liabilities 2011: $6,947,118Net Assets 2011: $885,5292011Assets 2012: $7,591,023Liabilities 2012: $6,746,626Net Assets 2012: $844,3972012Assets 2013: $6,932,383Liabilities 2013: $5,995,678Net Assets 2013: $936,7052013Assets 2014: $6,740,585Liabilities 2014: $5,865,474Net Assets 2014: $875,1112014Assets 2015: $6,832,060Liabilities 2015: $6,085,627Net Assets 2015: $746,4332015Assets 2016: $6,736,788Liabilities 2016: $6,240,814Net Assets 2016: $495,9742016

Highlighted filing

2016

Assets$6,736,788
Liabilities$6,240,814
Net Assets$495,974
Open 2016 Filing

Operations Trend

Revenue Growth98th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $795,6272010Revenue 2011: $511,258Expenses 2011: $769,182Net Income 2011: -$257,9242011Revenue 2012: $524,402Expenses 2012: $582,961Net Income 2012: -$58,5592012Revenue 2013: $627,879Expenses 2013: $535,571Net Income 2013: $92,3082013Revenue 2014: $651,279Expenses 2014: $712,873Net Income 2014: -$61,5942014Revenue 2015: $546,259Expenses 2015: $674,937Net Income 2015: -$128,6782015Revenue 2016: $661,652Expenses 2016: $912,111Net Income 2016: -$250,4592016

Highlighted filing

2016

Revenue$661,652
Expenses$912,111
Net Income-$250,459
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 2, 2017
Return Version
2016v3.0
Gross Receipts
$661,652
Mission and Program Overview

Mission

Credit Union - To provide financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$3,520,902$3,653,336▲ $132,434
Cash and Non-Interest-Bearing Accounts$1,226,125$1,478,340▲ $252,215
Investments Other Securities$1,392,199$1,147,199▼ $245,000
Cap Stk Tr Prin Current Funds$786,502$336,502▼ $450,000
Savings and Temporary Cash Investments$416,498$323,042▼ $93,456
Rtn Earn Endowment Incm Other Fnds$-40,069$159,472▲ $199,541
Land, Buildings, and Equipment, Net$42,759$20,127▼ $22,632
Prepaid Expenses and Deferred Charges$10,308$18,031▲ $7,723
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$6,832,060$6,736,788▼ $95,272
Other Assets Total$223,269$96,713▼ $126,556
Liabilities
Other Liabilities$5,991,205$6,207,024▲ $215,819
Accounts Payable and Accrued Expenses$94,422$33,790▼ $60,632
Total Liabilities$6,085,627$6,240,814▲ $155,187
Net Assets / Fund Balance
Total Net Assets Fund Balance$746,433$495,974▼ $250,459
Total Liabilities and Net Assets / Fund Balance$6,832,060$6,736,788▼ $95,272

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$20,127$144,836$164,963
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joseph AmellioExecutive DirectorFT$68,546$68,546

Board Members and Trustees

NameTitle
Melva CoxPresident
Willie HannahVice President
Laws RushingDirector
Robbie NewlinSecretary
Zach IngramTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$418,253
Investment Income
$22,075
Other Revenue
$221,324
Change in Net Assets
$-250,459
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$567,693
Salaries, Compensation, and Employee Benefits$344,418
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$201,119-$201,119
Office Expenses-$187,374-$187,374
Current Officers, Directors, Trustees, and Key Employees-$68,546-$68,546
Other Employee Benefits-$51,387-$51,387
Payroll Taxes-$23,366-$23,366
Depreciation Depletion-$22,632-$22,632
Occupancy-$18,008-$18,008
Interest-$8,228-$8,228
Fees for Services Accounting-$7,515-$7,515
Fees for Services Legal-$5,029-$5,029
Other Expenses-$4,592-$4,592
Conferences and Meetings-$1,812-$1,812
Travel-$28-$28
All Other Expenses-$-6,915-$-6,915
Total Functional Expenses$0$912,111$0$912,111
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$2,641,683
All Other Shares$2,106,508
Share Draft$1,458,833
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
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, Line 6: Explanation of Classes of Members or Shareholder

“The credit union is owned by the members.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“The members elect the board of directors each year at the annual meeting.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

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

Form 990, Part VI, Line 11B: Form 990 Review Process

“A copy of the form was furnished to the entire board for their review before the form was filed.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“The policies of the credit union are reviewed regularly in the monthly board meetings and at least once a year by the membership at the annual meeting.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Compensation of the officers and key employees is set by the board of directors.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

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

Filing and Contact Details

Filer

Filer Name
Ngh Credit Union
EIN
62-0679725
Phone
6153414455
Address
1818 ALBION STREET, NASHVILLE, TN 37208

Signing Officer

Name
Melva Cox
Title
President
Signed
2017-10-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Melva Cox
Formed
1959
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
0
Employees
9
Volunteers
9

Preparer

Firm
Joel D Collum Jr CPA
Address
226 GRAEME DR, NASHVILLE, TN 37214-1917
Preparer
Joel D Collum Jr
Phone
6159742918
Raw XML Appendix392 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/PYTotalRevenueAmt0546259
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-250459
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0-40069
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0159472
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0416498
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0323042
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt020127
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0144836
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0164963
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02106508
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12641683
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21458833
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFT
IRS990ScheduleD/TotalBookValueLandBuildingsAmt020127
IRS990ScheduleD/TotalBookValueSecuritiesAmt01147199
IRS990ScheduleD/TotalLiabilityAmt06207024
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS ELECT THE BOARD OF DIRECTORS EACH YEAR AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SOME OF THE DECISIONS MADE MY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF THE FORM WAS FURNISHED TO THE ENTIRE BOARD FOR THEIR REVIEW BEFORE THE FORM WAS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE POLICIES OF THE CREDIT UNION ARE REVIEWED REGULARLY IN THE MONTHLY BOARD MEETINGS AND AT LEAST ONCE A YEAR BY THE MEMBERSHIP AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION OF THE OFFICERS AND KEY EMPLOYEES IS SET BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt06832060
IRS990/TotalAssetsEOYAmt06736788
IRS990/TotalAssetsGrp/BOYAmt06832060
IRS990/TotalAssetsGrp/EOYAmt06736788
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0912111
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06085627
IRS990/TotalLiabilitiesEOYAmt06240814
IRS990/TotalLiabilitiesGrp/BOYAmt06085627
IRS990/TotalLiabilitiesGrp/EOYAmt06240814
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0746433
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0495974
IRS990/TotalProgramServiceRevenueAmt0418253
IRS990/TotalReportableCompFromOrgAmt068546
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0661652
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0661652
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06832060
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06736788
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ManagementAndGeneralAmt028
IRS990/TravelGrp/TotalAmt028
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01818 ALBION STREET
IRS990/USAddress/CityNm0NASHVILLE
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037208
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MELVA COX
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NGH CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0NGHC
ReturnHeader/Filer/EIN0620679725
ReturnHeader/Filer/PhoneNum06153414455
ReturnHeader/Filer/USAddress/AddressLine1Txt01818 ALBION STREET
ReturnHeader/Filer/USAddress/CityNm0NASHVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037208
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JOEL D COLLUM JR CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0226 GRAEME DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NASHVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0372141917
ReturnHeader/PreparerPersonGrp/PhoneNum06159742918
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOEL D COLLUM JR
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02017-10-02T15:17:38-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,736,788
Liabilities
$6,240,814
Net assets
$495,974
Revenue
$661,652
Expenses
$912,111
Net income
-$250,459
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$6.74$6.24$0.50$0.66$0.91$0.25
2015Detailed filing. Detailed filing data is available for this year.$6.83$6.09$0.75$0.55$0.67$0.13
2014Detailed filing. Detailed filing data is available for this year.$6.74$5.87$0.88$0.65$0.71$0.06
2013Summary only. Only limited summary data is available for this year.$6.93$6.00$0.94$0.63$0.54$0.09
2012Summary only. Only limited summary data is available for this year.$7.59$6.75$0.84$0.52$0.58$0.06
2011Summary only. Only limited summary data is available for this year.$7.83$6.95$0.89$0.51$0.77$0.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.03$6.77$1.26$0.80
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $5M-$10M nonprofits