Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 62-0700353

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 13, 2014

Organization ProfileWWW.AGCCU.ORG

View Organization Page

P O Box 352637664

(423) 229-7332

Siviq Scores

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

Liabilities / Assets

40th percentile

0.86x

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

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

51st percentile

20.16x

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

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

32nd percentile

-0.0%

Higher net margin than 32% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

38th percentile

0.4%

Faster asset growth than 38% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

20th percentile

-11%

Faster revenue growth than 20% of similar nonprofits.

2013 filings • $10M-$25M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$15,550,415

Up $55,737 (+0.4%) from 2012

Net Assets

Down

$2,211,989

Down $148 (-0.0%) from 2012

Liabilities

Up

$13,338,426

Up $55,885 (+0.4%) from 2012

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin32nd percentile

Revenue

Down

$661,483

Down $80,397 (-11%) from 2012

Expenses

Down

$661,631

Down $66,837 (-9.2%) from 2012

Net Income

Down

-$148

Down $13,560 (-101%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

2013

Assets$15,550,415
Liabilities$13,338,426
Net Assets$2,211,989
Open 2013 Filing

Operations Trend

Revenue Growth20th percentile

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

2013

Revenue$661,483
Expenses$661,631
Net Income-$148
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 13, 2014
Return Version
2013v3.1
Gross Receipts
$661,483
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$7,854,529$7,370,527▼ $484,002
Investments Other Securities$4,089,573$3,312,846▼ $776,727
Savings and Temporary Cash Investments$1,810,908$2,794,424▲ $983,516
Rtn Earn Endowment Incm Other Fnds$1,781,363$1,781,214▼ $149
Cash and Non-Interest-Bearing Accounts$1,301,950$1,657,479▲ $355,529
Cap Stk Tr Prin Current Funds$430,775$430,775→ $0
Land, Buildings, and Equipment, Net$106,550$73,523▼ $33,027
Prepaid Expenses and Deferred Charges$37,658$56,026▲ $18,368
Total Assets$15,494,678$15,550,415▲ $55,737
Other Assets Total$293,510$285,590▼ $7,920
Liabilities
Other Liabilities$13,241,502$13,301,751▲ $60,249
Accounts Payable and Accrued Expenses$41,038$36,675▼ $4,363
Total Liabilities$13,282,540$13,338,426▲ $55,886
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,212,138$2,211,989▼ $149
Total Liabilities and Net Assets / Fund Balance$15,494,678$15,550,415▲ $55,737

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$25,822$470,589$496,411
Leasehold Improvements$40,201$281,795$321,996
Land$7,500-$7,500
Other Securities$118,376--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Darlene WinegarCEO/managerFT$52,500$4,224$56,724

Board Members and Trustees

NameTitle
James Cradic JrBoard Presid
Mark Snodgrass1st Vice Pre
Tim Simpson2nd Vice Pre
Judy RobertsSecretary
Lawrence StarnesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$513,525
Investment Income
$76,459
Other Revenue
$71,499
Change in Net Assets
$-148
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$361,209
Salaries, Compensation, and Employee Benefits$300,422
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$219,909-$219,909
Other Employee Benefits-$54,765-$54,765
Office Expenses-$54,127-$54,127
Occupancy-$40,924-$40,924
Interest-$37,444-$37,444
All Other Expenses-$22,259-$22,259
Payroll Taxes-$18,304-$18,304
Other Expenses-$12,373-$12,373
Pension Plan Contributions-$7,444-$7,444
Conferences and Meetings-$1,984-$1,984
Total Functional Expenses$0$661,631$0$661,631
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$8,531,085
All Other Shares$2,988,402
Share Drafts$1,782,264
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

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

Form 990, Page 6, Part VI, Line 11B

“The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors use a comparison of credit union compensation.”

Form 990, Page 6, Part VI, Line 19

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

Filing and Contact Details

Filer

EIN
62-0700353
Phone
4232297332

Signing Officer

Name
Darlene Winegar
Title
Manager
Phone
4232297332
Signed
2014-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Darlene Winegar
Formed
1932
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
8
Volunteers
5

Preparer

Preparer
Keith T Mcmurtrie
Phone
8505581102
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union does not have any unrelated trade or business income.”

Form 990, Part XI, Line 9

“DUE TO ROUNDING 1”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML Appendix353 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/Form990PartVIISectionAGrp/PersonNm0JAMES CRADIC JR
IRS990/Form990PartVIISectionAGrp/PersonNm1MARK SNODGRASS
IRS990/Form990PartVIISectionAGrp/PersonNm2TIM SIMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm3LAWRENCE STARNES
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD PRESID
IRS990/Form990PartVIISectionAGrp/TitleTxt11ST VICE PRE
IRS990/Form990PartVIISectionAGrp/TitleTxt22ND VICE PRE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5CEO/MANAGER
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IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990/GroupReturnForAffiliatesInd0false
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IRS990/IndoorTanningServicesInd0false
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IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04089573
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IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
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IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
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IRS990/OtherExpensesGrp/Desc0PROF & OUTSIDE SERVICES
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IRS990/OtherExpensesGrp/Desc2MISC OPERATING EXP
IRS990/OtherExpensesGrp/Desc3EXAMINATION FEES
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1118376
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1PAID-IN-CAPITAL- VCCU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
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IRS990ScheduleD/TotalBookValueSecuritiesAmt03312846
IRS990ScheduleD/TotalLiabilityAmt013301751
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED TRADE OR BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DUE TO ROUNDING 1
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt015494678
IRS990/TotalAssetsEOYAmt015550415
IRS990/TotalAssetsGrp/BOYAmt015494678
IRS990/TotalAssetsGrp/EOYAmt015550415
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0661631
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0661631
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013282540
IRS990/TotalLiabilitiesEOYAmt013338426
IRS990/TotalLiabilitiesGrp/BOYAmt013282540
IRS990/TotalLiabilitiesGrp/EOYAmt013338426
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02212138
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02211989
IRS990/TotalOtherCompensationAmt04224
IRS990/TotalProgramServiceExpensesAmt0661631
IRS990/TotalProgramServiceRevenueAmt0513525
IRS990/TotalReportableCompFromOrgAmt052500
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0661483
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0661483
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015494678
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015550415
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10P O BOX 3526
IRS990/USAddress/City0KINGSPORT
IRS990/USAddress/State0TN
IRS990/USAddress/ZIPCode037664
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.AGCCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReasonableCauseExplanation/ExplanationTxt0SOFTWARE ISSUES.
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DARLENE WINEGAR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04232297332
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10AGC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0AGCC
ReturnHeader/Filer/EIN0620700353
ReturnHeader/Filer/PhoneNum04232297332
ReturnHeader/Filer/USAddress/AddressLine10P O BOX 3526
ReturnHeader/Filer/USAddress/City0KINGSPORT
ReturnHeader/Filer/USAddress/State0TN
ReturnHeader/Filer/USAddress/ZIPCode037664
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0591086132
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine103692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02014-08-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH T MCMURTRIE
ReturnHeader/ReturnTs02014-08-14T20:33:55-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,550,415
Liabilities
$13,338,426
Net assets
$2,211,989
Revenue
$661,483
Expenses
$661,631
Net income
-$148
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.51$0.57$0.06
2013Detailed filing. Detailed filing data is available for this year.$15.6$13.3$2.21$0.66$0.66$0.00
2012Summary only. Only limited summary data is available for this year.$15.5$13.3$2.21$0.74$0.73$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.6$13.4$2.20$0.78
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.8$13.7$2.17$0.91