Civic Intelligence

Ngh Credit Union

990 • Fiscal year 2017 • EIN 62-0679725

Jan 01, 2017 to Dec 31, 2017 • Filed on May 09, 2018

Organization Profilewww.nghcu.com

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

98th percentile

0.94x

Higher debt load relative to assets than 98% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

17th percentile

11.92x

Higher debt load relative to revenue than 17% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

8th percentile

-28%

Higher net margin than 8% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

21st percentile

$24,152

Higher top officer pay than 21% of similar nonprofits.

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

8th percentile

-6.8%

Faster asset growth than 8% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

1st percentile

-25%

Faster revenue growth than 1% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets98th percentile

Assets

Down

$6,278,500

Down $458,288 (-6.8%) from 2016

Net Assets

Down

$361,048

Down $134,926 (-27%) from 2016

Liabilities

Down

$5,917,452

Down $323,362 (-5.2%) from 2016

Revenue And Expenses
Liabilities / Revenue17th percentileNet Margin8th percentile

Revenue

Down

$496,258

Down $165,394 (-25%) from 2016

Expenses

Down

$632,787

Down $279,324 (-31%) from 2016

Net Income

Up

-$136,529

Up $113,930 (+45%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth8th 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: $495,9742016Assets 2017: $6,278,500Liabilities 2017: $5,917,452Net Assets 2017: $361,0482017

Highlighted filing

2017

Assets$6,278,500
Liabilities$5,917,452
Net Assets$361,048
Open 2017 Filing

Operations Trend

Revenue Growth1st 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: -$250,4592016Revenue 2017: $496,258Expenses 2017: $632,787Net Income 2017: -$136,5292017

Highlighted filing

2017

Revenue$496,258
Expenses$632,787
Net Income-$136,529
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 9, 2018
Return Version
2017v2.3
Gross Receipts
$496,258
Mission and Program Overview

Mission

Credit Union - To provide financial services to its members.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,653,336$3,648,993▼ $4,343
Cash and Non-Interest-Bearing Accounts$1,478,340$1,330,347▼ $147,993
Investments Other Securities$1,147,199$802,199▼ $345,000
Savings and Temporary Cash Investments$323,042$380,601▲ $57,559
Cap Stk Tr Prin Current Funds$336,502$336,502→ $0
Rtn Earn Endowment Incm Other Fnds$159,472$24,546▼ $134,926
Prepaid Expenses and Deferred Charges$18,031--
Land, Buildings, and Equipment, Net$20,127$7,811▼ $12,316
Total Assets$6,736,788$6,278,500▼ $458,288
Other Assets Total$96,713$108,549▲ $11,836
Liabilities
Other Liabilities$6,207,024$5,898,869▼ $308,155
Accounts Payable and Accrued Expenses$33,790$18,583▼ $15,207
Total Liabilities$6,240,814$5,917,452▼ $323,362
Net Assets / Fund Balance
Total Net Assets Fund Balance$495,974$361,048▼ $134,926
Total Liabilities and Net Assets / Fund Balance$6,736,788$6,278,500▼ $458,288

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$7,811$157,152$164,963
Other Assets Org$108,549--
Other Securities$60,199--
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseTotal
John WallInterim ManagerFT$24,152$24,152

Board Members and Trustees

NameTitle
Laws RushingDirector
Melva CoxDirector
Robbie NewlinDirector
Sharon PiphusDirector
Willie HannahDirector
Zachary IngramDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$398,541
Investment Income
$23,845
Other Revenue
$73,872
Change in Net Assets
$-136,529
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$402,764
Salaries, Compensation, and Employee Benefits$230,023
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$188,763
Office Expenses---$136,952
Other Expenses---$28,616
Other Employee Benefits---$26,265
Occupancy---$17,992
Fees for Services Accounting---$16,600
Payroll Taxes---$14,995
Depreciation Depletion---$12,315
Insurance---$11,077
Information Technology---$10,470
All Other Expenses---$7,930
Interest---$5,061
Advertising---$3,517
Conferences and Meetings---$2,714
Travel---$2,020
Fees for Services Legal---$746
Total Functional Expenses$0$0$0$632,787
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member shares deposits$5,898,869
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

Part VI Line 6

“As a credit union it is owned by its members”

Part VI Line 7A

“The members elect the directors each year as part of the annual meeting”

Part VI Line 7B

“Certain decisions could be approved by the membership”

Part VI Line 11B

“Form 990 is available for review by Board of Directors upon request”

Part VI Line 12C

“Policies of the Credit Union are reviewed regularly in Board meetings”

Part VI Line 15A or B

“Compensation of officers and key employees is set by the Board of Directors”

Part VI Line 19

“Financial statements are available upon request”

Filing and Contact Details

Filer

Filer Name
NGH Credit Union
EIN
62-0679725
In Care Of
% Rob Byrd
Phone
6153414455
Address
1818 Albion Street, Nashville, TN 37208

Signing Officer

Name
Rob Byrd
Title
Vice President
Phone
6153856828
Signed
2018-05-09

Organization Details

Principal Officer
John Wall
Formed
1959
Legal Domicile
Tn
Voting Board Members
6
Independent Board Members
6
Employees
7
Volunteers
6
Supplemental Narrative

Additional Explanations

Part IX Line 24E

“Other expenses Total expenses - $7930.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Part XII Line 2C

“The Board of Directors assumes the responsibility for oversight”

Raw XML Appendix339 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/ExplanationTxt0As a credit union it is owned by its members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members elect the directors each year as part of the annual meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Certain decisions could be approved by the membership
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Form 990 is available for review by Board of Directors upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Policies of the Credit Union are reviewed regularly in Board meetings
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation of officers and key employees is set by the Board of Directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financial statements are available upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Other expenses Total expenses - $7930.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8The Board of Directors assumes the responsibility for oversight
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part IX Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Part XII Line 2c
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IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06240814
IRS990/TotalLiabilitiesEOYAmt05917452
IRS990/TotalLiabilitiesGrp/BOYAmt06240814
IRS990/TotalLiabilitiesGrp/EOYAmt05917452
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0495974
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0361048
IRS990/TotalProgramServiceRevenueAmt0398541
IRS990/TotalReportableCompFromOrgAmt024152
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0496258
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0496258
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06736788
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06278500
IRS990/TravelGrp/TotalAmt02020
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01818 Albion Street
IRS990/USAddress/CityNm0Nashville
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037208
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.nghcu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ROB BYRD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Vice President
ReturnHeader/BusinessOfficerGrp/PhoneNum06153856828
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NGH Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0NGHC
ReturnHeader/Filer/EIN0620679725
ReturnHeader/Filer/InCareOfNm0% Rob Byrd
ReturnHeader/Filer/PhoneNum06153414455
ReturnHeader/Filer/USAddress/AddressLine1Txt01818 Albion Street
ReturnHeader/Filer/USAddress/CityNm0Nashville
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037208
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F393AAC456FDC77667A1A17019B73382F94E8B88
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F393AAC456FDC77667A1A17019B73382F94E8B88
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId021010520181294468412
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02018-05-09
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0O
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt096.80.179.130
ReturnHeader/ReturnTs02018-05-09T15:36:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,278,500
Liabilities
$5,917,452
Net assets
$361,048
Revenue
$496,258
Expenses
$632,787
Net income
-$136,529
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$6.28$5.92$0.36$0.50$0.63$0.14
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$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