Civic Intelligence

Skyline Credit Union

990 • Fiscal year 2019 • EIN 62-0761061

Jan 01, 2019 to Dec 31, 2019 • Filed on May 11, 2020

Organization ProfileWWW.SKYLINECREDITUNION.COM

View Organization Page

3443 Dickerson Pk/Skyline Med PlazaNashville, TN 37207

(615) 345-3471

Siviq Scores

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

Liabilities / Assets

24th percentile

0.80x

Higher debt load relative to assets than 24% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

75th percentile

21.29x

Higher debt load relative to revenue than 75% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

72nd percentile

17%

Higher net margin than 72% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2019

Asset Growth

22nd percentile

-2.2%

Faster asset growth than 22% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

50th percentile

5.9%

Faster revenue growth than 50% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets24th percentile

Assets

Down

$16,096,819

Down $355,357 (-2.2%) from 2018

Net Assets

Up

$3,275,674

Up $101,382 (+3.2%) from 2018

Liabilities

Down

$12,821,145

Down $456,739 (-3.4%) from 2018

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin72nd percentile

Revenue

Up

$602,310

Up $33,377 (+5.9%) from 2018

Expenses

Up

$500,932

Up $19,074 (+4.0%) from 2018

Net Income

Up

$101,378

Up $14,303 (+16%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth22nd percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $14,860,309Liabilities 2010: $12,221,877Net Assets 2010: $2,638,4322010Assets 2011: $14,685,689Liabilities 2011: $11,990,887Net Assets 2011: $2,694,8022011Assets 2012: $14,424,244Liabilities 2012: $11,683,925Net Assets 2012: $2,740,3192012Assets 2013: $14,716,211Liabilities 2013: $11,941,683Net Assets 2013: $2,774,5282013Assets 2014: $15,360,400Liabilities 2014: $12,556,563Net Assets 2014: $2,803,8372014Assets 2015: $15,696,905Liabilities 2015: $12,750,323Net Assets 2015: $2,946,5822015Assets 2016: $16,813,122Liabilities 2016: $13,829,502Net Assets 2016: $2,983,6202016Assets 2017: $17,177,251Liabilities 2017: $14,090,052Net Assets 2017: $3,087,1992017Assets 2018: $16,452,176Liabilities 2018: $13,277,884Net Assets 2018: $3,174,2922018Assets 2019: $16,096,819Liabilities 2019: $12,821,145Net Assets 2019: $3,275,6742019Assets 2020: $17,208,037Liabilities 2020: $13,877,639Net Assets 2020: $3,330,3982020Assets 2021: $18,140,955Liabilities 2021: $14,783,501Net Assets 2021: $3,357,4542021Assets 2022: $18,001,696Liabilities 2022: $14,517,449Net Assets 2022: $3,484,2472022Assets 2023: $17,338,370Liabilities 2023: $13,718,843Net Assets 2023: $3,619,5272023Assets 2024: $16,968,137Liabilities 2024: $13,181,149Net Assets 2024: $3,786,9882024

Highlighted filing

2019

Assets$16,096,819
Liabilities$12,821,145
Net Assets$3,275,674
Open 2019 Filing

Operations Trend

Revenue Growth50th percentile

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

$1.0M$500K$0Expenses 2010: $734,8842010Expenses 2011: $561,4152011Expenses 2012: $499,5962012Revenue 2013: $468,480Expenses 2013: $434,293Net Income 2013: $34,1872013Revenue 2014: $438,095Expenses 2014: $408,786Net Income 2014: $29,3092014Revenue 2015: $458,940Expenses 2015: $316,221Net Income 2015: $142,7192015Revenue 2016: $477,892Expenses 2016: $440,877Net Income 2016: $37,0152016Revenue 2017: $528,516Expenses 2017: $424,959Net Income 2017: $103,5572017Revenue 2018: $568,933Expenses 2018: $481,858Net Income 2018: $87,0752018Revenue 2019: $602,310Expenses 2019: $500,932Net Income 2019: $101,3782019Revenue 2020: $532,743Expenses 2020: $478,021Net Income 2020: $54,7222020Revenue 2021: $465,380Expenses 2021: $438,341Net Income 2021: $27,0392021Revenue 2022: $507,092Expenses 2022: $380,434Net Income 2022: $126,6582022Revenue 2023: $684,075Expenses 2023: $548,796Net Income 2023: $135,2792023Revenue 2024: $819,965Expenses 2024: $652,510Net Income 2024: $167,4552024

Highlighted filing

2019

Revenue$602,310
Expenses$500,932
Net Income$101,378
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 11, 2020
Return Version
2019v5.0
Gross Receipts
$602,310
Mission and Program Overview

Mission

Credit union - to provide services for approximately 1,620 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$7,899,356$7,610,953▼ $288,403
Savings and Temporary Cash Investments$4,511,060$4,857,612▲ $346,552
Rtn Earn Endowment Incm Other Fnds$2,696,070$2,797,448▲ $101,378
Cash and Non-Interest-Bearing Accounts$805,903$1,763,587▲ $957,684
Investments Other Securities$2,946,220$1,651,730▼ $1,294,490
Cap Stk Tr Prin Current Funds$478,222$478,226▲ $4
Prepaid Expenses and Deferred Charges$97,260$38,392▼ $58,868
Land, Buildings, and Equipment, Net$19,247$15,227▼ $4,020
Total Assets$16,452,176$16,096,819▼ $355,357
Other Assets Total$173,130$159,318▼ $13,812
Liabilities
Other Liabilities$13,226,948$12,761,189▼ $465,759
Accounts Payable and Accrued Expenses$50,936$59,956▲ $9,020
Total Liabilities$13,277,884$12,821,145▼ $456,739
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,174,292$3,275,674▲ $101,382
Total Liabilities and Net Assets / Fund Balance$16,452,176$16,096,819▼ $355,357

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$15,227$71,421$86,648
Other Securities$118,220--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Virginia BrooksManagerFT$75,512$21,658$97,170
J Michele WittenAsst ManagerFT$53,134$7,083$60,217

Board Members and Trustees

NameTitle
Larry StubbsPresident
Angela SmithBoard Member
Daniel KnallsBoard Member
Gary Washer1st Vice-pre
Dennis Gann2nd Vice-pre
Loretta BaltzSecretary
Cheryl MarkhamSupervisory
Debbie FarmerSupervisory
Shanda HayesSupervisory
Rose AnkenbauerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$419,055
Investment Income
$156,823
Other Revenue
$26,432
Change in Net Assets
$101,378
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$263,448
Salaries, Compensation, and Employee Benefits$237,484
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$185,401-$185,401
Office Expenses-$95,753-$95,753
Interest-$70,789-$70,789
Occupancy-$38,677-$38,677
Other Employee Benefits-$22,587-$22,587
Payroll Taxes-$14,878-$14,878
Pension Plan Contributions-$14,618-$14,618
All Other Expenses-$10,375-$10,375
Other Expenses-$7,168-$7,168
Conferences and Meetings-$620-$620
Total Functional Expenses$0$500,932$0$500,932
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
All Other Shares$9,943,499
Regular Shares$2,817,690
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 35% controlled entity
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
No
Other officer compensation reviewed
No
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, 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 manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest policy.”

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

Filer Name
Skyline Credit Union
EIN
62-0761061
Phone
6153453471
Address
3443 DICKERSON PK/SKYLINE MED PLAZA, NASHVILLE, TN 37207

Signing Officer

Name
Virginia Brooks
Title
Manager
Phone
6153453471
Signed
2020-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Virginia Brooks
Formed
1993
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
6
Volunteers
10

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Hiram H Hollifield
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

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

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

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

Form 990, Part XI, Line 9

“MEMBER FEES 4”

Form 990, Part XII

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

Raw XML AppendixShowing 400 of 410 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/OtherExpensesGrp/TotalAmt37168
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IRS990/OtherLiabilitiesGrp/EOYAmt012761189
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt026432
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt120766
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0398289
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt120766
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
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IRS990/PYInvestmentIncomeAmt0148718
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IRS990/PYOtherRevenueAmt033726
IRS990/PYProgramServiceRevenueAmt0386489
IRS990/PYRevenuesLessExpensesAmt087075
IRS990/PYSalariesCompEmpBnftPaidAmt0234862
IRS990/PYTotalExpensesAmt0481858
IRS990/PYTotalRevenueAmt0568933
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IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02797448
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt071421
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt086648
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1118220
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IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
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IRS990ScheduleD/TotalBookValueSecuritiesAmt01651730
IRS990ScheduleD/TotalLiabilityAmt012761189
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED 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 MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MEMBER FEES 4
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 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/BOYAmt016452176
IRS990/TotalAssetsGrp/EOYAmt016096819
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0500932
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0500932
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013277884
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IRS990/TotalLiabilitiesGrp/EOYAmt012821145
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IRS990/TotalProgramServiceExpensesAmt0500932
IRS990/TotalProgramServiceRevenueAmt0419055
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0602310
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IRS990/UponRequestInd0X
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IRS990/USAddress/AddressLine2Txt0SKYLINE MED PLAZA G-10
IRS990/USAddress/CityNm0NASHVILLE
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IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.SKYLINECREDITUNION.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0VIRGINIA BROOKS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum06153453471
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-05-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SKYLINE CREDIT UNION
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ReturnHeader/Filer/EIN0620761061
ReturnHeader/Filer/PhoneNum06153453471
ReturnHeader/Filer/USAddress/AddressLine1Txt03443 DICKERSON PK/SKYLINE MED PLAZA
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ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
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ReturnHeader/FilingSecurityInformation/IPDt02020-05-07
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm013:49:32
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,096,819
Liabilities
$12,821,145
Net assets
$3,275,674
Revenue
$602,310
Expenses
$500,932
Net income
$101,378
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$17.0$13.2$3.79$0.82$0.65$0.17
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.3$13.7$3.62$0.68$0.55$0.14
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.0$14.5$3.48$0.51$0.38$0.13
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.1$14.8$3.36$0.47$0.44$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.2$13.9$3.33$0.53$0.48$0.05
2019Detailed filing. Detailed filing data is available for this year.$16.1$12.8$3.28$0.60$0.50$0.10
2018Detailed filing. Detailed filing data is available for this year.$16.5$13.3$3.17$0.57$0.48$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.2$14.1$3.09$0.53$0.42$0.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.8$13.8$2.98$0.48$0.44$0.04
2015Summary only. Only limited summary data is available for this year.$15.7$12.8$2.95$0.46$0.32$0.14
2014Detailed filing. Detailed filing data is available for this year.$15.4$12.6$2.80$0.44$0.41$0.03
2013Detailed filing. Detailed filing data is available for this year.$14.7$11.9$2.77$0.47$0.43$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.4$11.7$2.74$0.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.7$12.0$2.69$0.56
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.9$12.2$2.64$0.73