Civic Intelligence

Unknown Organization

990 • Fiscal year 2011 • EIN 62-0700353

Jan 01, 2011 to Dec 31, 2011 • Filed on Dec 07, 2012

PO Box 352637664
Siviq Scores

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

Liabilities / Assets

45th percentile

0.86x

Higher debt load relative to assets than 45% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

18th percentile

-1.3%

Faster asset growth than 18% of similar nonprofits.

2011 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Down

$15,640,111

Down $198,159 (-1.3%) from 2010

Net Assets

Up

$2,198,725

Up $28,286 (+1.3%) from 2010

Liabilities

Down

$13,441,386

Down $226,445 (-1.7%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$784,977

Down $120,181 (-13%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$20M$15M$10M$5.0M$0Assets 2010: $15,838,270Liabilities 2010: $13,667,831Net Assets 2010: $2,170,4392010Assets 2011: $15,640,111Liabilities 2011: $13,441,386Net Assets 2011: $2,198,7252011Assets 2012: $15,494,678Liabilities 2012: $13,282,541Net Assets 2012: $2,212,1372012Assets 2013: $15,550,415Liabilities 2013: $13,338,426Net Assets 2013: $2,211,9892013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2011

Assets$15,640,111
Liabilities$13,441,386
Net Assets$2,198,725

Operations Trend

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

$1.0M$500K$0-$500KExpenses 2010: $905,1582010Expenses 2011: $784,9772011Revenue 2012: $741,880Expenses 2012: $728,468Net Income 2012: $13,4122012Revenue 2013: $661,483Expenses 2013: $661,631Net Income 2013: -$1482013Revenue 2014: $506,393Expenses 2014: $565,241Net Income 2014: -$58,8482014

Highlighted filing

2011

Revenue-
Expenses$784,977
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Dec 7, 2012
Return Version
2011v1.2
Gross Receipts
$813,263
Mission and Program Overview

Mission

Credit union - to provide services for approximately 1,882 members in the form of loans, savings, and other financial services.

Filing and Contact Details

Filer

EIN
62-0700353
Raw XML Appendix397 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/ActivityOrMissionDescription0STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 2,414 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED.
IRS990/AddressPrincipalOfficerUS/AddressLine10PO BOX 929
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IRS990/Description0OPERATED AS A STATE-CHARTERED CREDIT UNION, MUTUALLY OWNED BY OUR 2,414 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED CURRENTLY FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED. ALL OF OUR REVENUES AND EXPENSES ARE RELATED TO THIS PURPOSE.
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IRS990/Form990PartVIISectionA/NamePerson0JAMES CRADIC JR
IRS990/Form990PartVIISectionA/NamePerson1MARK W SNODGRASS
IRS990/Form990PartVIISectionA/NamePerson2TIM J SIMPSON
IRS990/Form990PartVIISectionA/NamePerson3LAWRENCE M STARNES
IRS990/Form990PartVIISectionA/NamePerson4DAVID T SALLEE
IRS990/Form990PartVIISectionA/NamePerson5DARLENE WINEGAR
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IRS990/Form990PartVIISectionA/OtherCompensation59583
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IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
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IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
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IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
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IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/Title0BOARD PRESIDENT
IRS990/Form990PartVIISectionA/Title11ST VICE PRESIDENT
IRS990/Form990PartVIISectionA/Title22ND VICE PRESIDENT
IRS990/Form990PartVIISectionA/Title3TREASURER
IRS990/Form990PartVIISectionA/Title4SECRETARY
IRS990/Form990PartVIISectionA/Title5MANAGER/CEO
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0true
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IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
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IRS990/GrossReceipts0813263
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IRS990/LocalChapters0false
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IRS990/MethodOfAccountingAccrual0X
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IRS990/MissionDescription0STATE CHARTERED CREDIT UNION
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IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0DARLENE WINEGAR
IRS990/NbrIndependentVotingMembers05
IRS990/NbrVotingGoverningBodyMembers05
IRS990/NbrVotingMembersGoverningBody05
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IRS990/NetAssetsOrFundBalancesEOY02198725
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith10960611
IRS990/NumberIndependentVotingMembers05
IRS990/NumberOfEmployees08
IRS990/NumberW2GIncluded010
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IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
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IRS990/OtherEmployeeBenefits/ProgramServices069895
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IRS990/OtherExpensePriorYear0439406
IRS990/OtherExpensesCurrentYear0374916
IRS990/OtherExpenses/Description0OFFICE OPERATIONS
IRS990/OtherExpenses/Description1PROVISION FOR LOAN LOSSES
IRS990/OtherExpenses/Description2LOAN SERVICING
IRS990/OtherExpenses/Description3PROFESSIONAL & OUTSIDE SVCS
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IRS990/OtherLiabilities/BOY013616528
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IRS990/OtherRevenueCurrentYear00
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IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/ProgramServices019992
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IRS990/PensionPlanContributions/Total07371
IRS990/PoliticalActivities0false
IRS990/PremiumsPaid0false
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IRS990/ProgramServiceRevenue/BusinessCode2522100
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IRS990/ProgramServiceRevenueCY0813263
IRS990/ProgramServiceRevenue/Description0LOAN INTEREST
IRS990/ProgramServiceRevenue/Description1INVESTMENT INCOME
IRS990/ProgramServiceRevenue/Description2FEE INCOME
IRS990/ProgramServiceRevenue/Description3OTHER OPERATING INCOME
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IRS990/ProgramServiceRevenue/TotalRevenueColumn1120915
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IRS990/ProhibitedTaxShelterTrans0false
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IRS990/ReconcilationRevenueExpenses028286
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IRS990ScheduleD/ExcessOrDeficitForYear028286
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IRS990ScheduleD/InvestmentsProgramRelated/BookValue1118376
IRS990ScheduleD/InvestmentsProgramRelated/BookValue2136165
IRS990ScheduleD/InvestmentsProgramRelated/Description0S&L'S, MUTUAL SAVINGS BANKS
IRS990ScheduleD/InvestmentsProgramRelated/Description1CORPORATE CREDIT UNIONS
IRS990ScheduleD/InvestmentsProgramRelated/Description2NCUSIF DEPOSIT
IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation0C
IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation1C
IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation2C
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IRS990ScheduleD/OtherAssets/BookValue112319
IRS990ScheduleD/OtherAssets/BookValue2125000
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IRS990ScheduleD/OtherAssets/Description0ACCRUED INTEREST ON LOANS
IRS990ScheduleD/OtherAssets/Description1ACCRUED INTEREST ON INVESTMENTS
IRS990ScheduleD/OtherAssets/Description2FORECLOSURES
IRS990ScheduleD/OtherAssets/Description3MISCELLANEOUS
IRS990ScheduleD/OtherLiabilities/Amount01542641
IRS990ScheduleD/OtherLiabilities/Amount17914996
IRS990ScheduleD/OtherLiabilities/Amount2112506
IRS990ScheduleD/OtherLiabilities/Amount33048271
IRS990ScheduleD/OtherLiabilities/Amount4728360
IRS990ScheduleD/OtherLiabilities/Amount549124
IRS990ScheduleD/OtherLiabilities/Description0SHARE DRAFTS
IRS990ScheduleD/OtherLiabilities/Description1REGULAR SHARES
IRS990ScheduleD/OtherLiabilities/Description2MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilities/Description3SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilities/Description4IRA/KEOGH ACCOUNTS
IRS990ScheduleD/OtherLiabilities/Description5OTHER SHARES
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IRS990ScheduleD/TotalRevenue0813263
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IRS990ScheduleO/GeneralExplanation/Explanation0A STATE-CHARTERED CREDIT UNION IS GOVERNED BY ITS CHARTER AND BY-LAWS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CHARTER AND BY-LAWS CALL FOR AN ANNUAL ELECTION
IRS990ScheduleO/GeneralExplanation/Explanation2OF DIRECTORS BY THE MEMBERS. EACH MEMBER IS ENTITLED
IRS990ScheduleO/GeneralExplanation/Explanation3TO ONE VOTE IRRESPECTIVE OF THE NUMBER OF SHARES/DEPOSITS.
IRS990ScheduleO/GeneralExplanation/Explanation4THE CANDIDATES FOR DIRECTOR ARE NOMINATED BY A NOMINATING
IRS990ScheduleO/GeneralExplanation/Explanation5COMMITTEE APPOINTED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation6THE DIRECTORS ARE ELECTED AT AN ANNUAL MEETING CALLED FOR IN THE BY-LAWS.
IRS990ScheduleO/GeneralExplanation/Explanation7UNDER THE BY-LAWS, THE DIRECTORS MEET MONTHLY TO REVIEW
IRS990ScheduleO/GeneralExplanation/Explanation8THE OPERATIONS OF THE CREDIT UNION. THEIR ACTIONS ARE
IRS990ScheduleO/GeneralExplanation/Explanation9DOCUMENTED IN WRITTEN MONTHLY MINUTES. THE BOARD OF
IRS990ScheduleO/GeneralExplanation/Explanation10DIRECTORS APPROVE THE OPERATING POLICIES THAT DIRECT
IRS990ScheduleO/GeneralExplanation/Explanation11MANAGEMENT IN THE DAY-TO-DAY OPERATIONS OF THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation12THE BOARD OF DIRECTORS APPOINT COMMITTEES TO OVERSEE
IRS990ScheduleO/GeneralExplanation/Explanation13SPECIFIC OPERATIONS OF THE CREDIT UNION INCLUDING
IRS990ScheduleO/GeneralExplanation/Explanation14AN AUDIT COMMITTEE, WHICH HIRES AN INDEPENDENT AUDITOR TO
IRS990ScheduleO/GeneralExplanation/Explanation15PERFORM AN ANNUAL AUDIT OF THE CREDIT UNION AND PERSONNEL
IRS990ScheduleO/GeneralExplanation/Explanation16COMMITTEE WHICH RECOMMENDS AN OVERALL COMPENSATION PLAN FOR
IRS990ScheduleO/GeneralExplanation/Explanation17THE CREDIT UNION AS A WHOLE. COMMITTEE MINUTES ARE MAINTAINED. COMMITTEE
IRS990ScheduleO/GeneralExplanation/Explanation18RECOMMENDATIONS ARE VOTED ON/APPROVED BY THE FULL BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation19ANNUAL WAGE REVIEWS FOR STAFF ARE DONE BY THE MANAGER/CEO
IRS990ScheduleO/GeneralExplanation/Explanation20AND BOARD OF DIRECTORS PRESIDENT. THE OVERALL COMPENSATION
IRS990ScheduleO/GeneralExplanation/Explanation21PLAN IS DISCUSSED AND ANY WAGE INCREASES ARE BASED UPON
IRS990ScheduleO/GeneralExplanation/Explanation22EMPLOYEE PERFORMANCE AND THE PROFITABILITY OF THE CREDIT
IRS990ScheduleO/GeneralExplanation/Explanation23UNION. THE TOTAL BOARD IS PRESENTED WITH THE WAGE
IRS990ScheduleO/GeneralExplanation/Explanation24RECOMMENDATIONS BY THE BOARD PRESIDENT AND MANAGER/CEO
IRS990ScheduleO/GeneralExplanation/Explanation25OF THE CREDIT UNION FOR THEIR APPROVAL. ANNUAL EMPLOYEE
IRS990ScheduleO/GeneralExplanation/Explanation26RECEIVABLES FROM OFFICERS & OTHERS OTHER RECEIVABLES PREPAIDS INVESTMENTS
IRS990ScheduleO/GeneralExplanation/Explanation27ACCOUNTS PAYABLE & ACCRUED EXPENSES
IRS990ScheduleO/GeneralExplanation/Explanation28MISC OPERATING 33496. 33496. NCUSIF STABILIZATION EXP 29847. 29847. MEMBER INSURANCE 6944. 6944. EXAM FEES 11063. 11063.
IRS990ScheduleO/GeneralExplanation/Explanation29EVALUATIONS ARE COMPLETED BY THE MANAGER/CEO OF THE CREDIT
IRS990ScheduleO/GeneralExplanation/Explanation30UNION. CEO/MANAGER COMPENSATION IS DISCUSSED PRIVATELY
IRS990ScheduleO/GeneralExplanation/Explanation31BY THE BOARD PRIOR TO CEO'S REVIEW WITH BOARD PRESIDENT.
IRS990ScheduleO/GeneralExplanation/Explanation32THIS FORM 990 WAS PROVIDED TO ALL BOARD MEMBERS FOR REVIEW BEFORE FILING.
IRS990ScheduleO/GeneralExplanation/Explanation33THE CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/GeneralExplanation/Explanation34ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO
IRS990ScheduleO/GeneralExplanation/Explanation35DISCLOSE ANNUALLY ANY INTEREST THAT COULD GIVE RISE TO
IRS990ScheduleO/GeneralExplanation/Explanation36CONFLICTS. ALL MATERIAL CONTRACTS ARE APPROVED BY THE
IRS990ScheduleO/GeneralExplanation/Explanation37BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation38WRITTEN COPIES OF POLICIES AND PROCEDURES ARE PROVIDED
IRS990ScheduleO/GeneralExplanation/Explanation39TO MEMBERS UPON REQUEST. MONTHLY FINANCIAL REPORTS
IRS990ScheduleO/GeneralExplanation/Explanation40ARE POSTED IN THE LOBBY FOR MEMBERS' REVIEW. UPON REQUEST,
IRS990ScheduleO/GeneralExplanation/Explanation41COPIES OF THE CREDIT UNION'S ANNUAL FORM 990 IS PROVIDED
IRS990ScheduleO/GeneralExplanation/Explanation42TO ANY MEMBER OR NON-MEMBER THAT REQUESTS A COPY.
IRS990ScheduleO/GeneralExplanation/Identifier0Pt VI, Line 1a
IRS990ScheduleO/GeneralExplanation/Identifier1Pt VI, Line 6
IRS990ScheduleO/GeneralExplanation/Identifier2Pt VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier3Pt VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier4Pt VI, Line 8a
IRS990ScheduleO/GeneralExplanation/Identifier5Pt VI, Line 8b
IRS990ScheduleO/GeneralExplanation/Identifier6Pt VI, Line 15
IRS990ScheduleO/GeneralExplanation/Identifier7Form 990EZ, Part II, Line 24
IRS990ScheduleO/GeneralExplanation/Identifier8Form 990EZ, Part II, Line 26
IRS990ScheduleO/GeneralExplanation/Identifier9Form 990, Part IX, Line 24f
IRS990ScheduleO/GeneralExplanation/Identifier10Pt VI, Line 11a
IRS990ScheduleO/GeneralExplanation/Identifier11Pt VI, Line 12c
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IRS990/TheBooksAreInCareOf/TelephoneNumber04232297332
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IRS990/TotalRevenueCurrentYear0813263
IRS990/TotalRevenuePriorYear0869877
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0813263
IRS990/TotalRevenue/TotalRevenueColumn0813263
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IRS990/UponRequest0X
IRS990/WebSite0AGCCU.ORG
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01932
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0620700353
ReturnHeader/Filer/Name/BusinessNameLine10AGC CREDIT UNION
ReturnHeader/Filer/NameControl0AGCC
ReturnHeader/Filer/Phone04232297432
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 3526
ReturnHeader/Filer/USAddress/City0KINGSPORT
ReturnHeader/Filer/USAddress/State0TN
ReturnHeader/Filer/USAddress/ZIPCode037664
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02012-12-07
ReturnHeader/Officer/Name0DARLENE WINEGAR
ReturnHeader/Officer/Phone04232297432
ReturnHeader/Officer/Title0MANAGER/CEO
ReturnHeader/Preparer/DatePrepared02012-12-07
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10PETERS & ASSOCIATES PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine109040 EXECUTIVE PARK DR STE 325
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0KNOXVILLE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0TN
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode037923
ReturnHeader/Preparer/Name0CRAIG PETERS
ReturnHeader/Preparer/Phone08656947128
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-12-07T08:42:38-08:00

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