Civic Intelligence

Your Best Credit Union

990 • Fiscal year 2013 • EIN 62-0787251

Jan 01, 2013 to Dec 31, 2013 • Filed on May 12, 2014

Organization ProfileWWW.WILLISCU.COOP
26 Century Blvd Col N Ste 10137214-3695

(615) 872-6380

Siviq Scores

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

Liabilities / Assets

57th percentile

0.88x

Higher debt load relative to assets than 57% of similar nonprofits.

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

Liabilities / Revenue

20th percentile

12.89x

Higher debt load relative to revenue than 20% of similar nonprofits.

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

Net Margin

95th percentile

24%

Higher net margin than 95% of similar nonprofits.

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

Top Officer Pay

18th percentile

$43,125

Higher top officer pay than 18% of similar nonprofits.

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

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

Asset Growth

98th percentile

13%

Faster asset growth than 98% of similar nonprofits.

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

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$13,021,010

Up $1,507,921 (+13%) from 2012

Net Assets

Up

$1,583,170

Up $215,380 (+16%) from 2012

Liabilities

Up

$11,437,840

Up $1,292,541 (+13%) from 2012

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin95th percentile

Revenue

$887,317

No earlier filing loaded for comparison.

Expenses

Up

$671,936

Up $1,096 (+0.2%) from 2012

Net Income

$215,381

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$30M$20M$10M$0Assets 2010: $11,221,796Liabilities 2010: $9,649,877Net Assets 2010: $1,571,9192010Assets 2011: $9,830,212Liabilities 2011: $8,519,156Net Assets 2011: $1,311,0562011Assets 2012: $11,513,089Liabilities 2012: $10,145,299Net Assets 2012: $1,367,7902012Assets 2013: $13,021,010Liabilities 2013: $11,437,840Net Assets 2013: $1,583,1702013Assets 2014: $16,075,801Liabilities 2014: $14,288,336Net Assets 2014: $1,787,4652014Assets 2015: $17,873,364Liabilities 2015: $15,932,455Net Assets 2015: $1,940,9092015Assets 2016: $17,492,175Liabilities 2016: $15,345,074Net Assets 2016: $2,147,1012016Assets 2017: $18,561,890Liabilities 2017: $16,311,576Net Assets 2017: $2,250,3142017Assets 2018: $17,931,087Liabilities 2018: $15,529,101Net Assets 2018: $2,401,9862018Assets 2019: $17,709,445Liabilities 2019: $15,305,907Net Assets 2019: $2,403,5382019Assets 2020: $19,560,560Liabilities 2020: $17,195,033Net Assets 2020: $2,365,5272020Assets 2021: $23,226,032Liabilities 2021: $20,881,138Net Assets 2021: $2,344,8942021Assets 2022: $19,125,343Liabilities 2022: $16,763,671Net Assets 2022: $2,361,6722022Assets 2023: $17,316,460Liabilities 2023: $14,902,452Net Assets 2023: $2,414,0082023Assets 2024: $17,268,901Liabilities 2024: $14,816,571Net Assets 2024: $2,452,3302024

Highlighted filing

2013

Assets$13,021,010
Liabilities$11,437,840
Net Assets$1,583,170
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $754,8842010Expenses 2011: $854,6122011Expenses 2012: $670,8402012Revenue 2013: $887,317Expenses 2013: $671,936Net Income 2013: $215,3812013Revenue 2014: $924,813Expenses 2014: $720,518Net Income 2014: $204,2952014Revenue 2015: $950,229Expenses 2015: $686,397Net Income 2015: $263,8322015Revenue 2016: $1,058,830Expenses 2016: $852,638Net Income 2016: $206,1922016Revenue 2017: $1,075,679Expenses 2017: $972,466Net Income 2017: $103,2132017Revenue 2018: $1,108,533Expenses 2018: $956,861Net Income 2018: $151,6722018Revenue 2019: $1,058,641Expenses 2019: $1,030,089Net Income 2019: $28,5522019Revenue 2020: $925,911Expenses 2020: $973,343Net Income 2020: -$47,4322020Revenue 2021: $864,914Expenses 2021: $874,822Net Income 2021: -$9,9082021Revenue 2022: $870,827Expenses 2022: $854,049Net Income 2022: $16,7782022Revenue 2023: $1,075,284Expenses 2023: $1,022,948Net Income 2023: $52,3362023Revenue 2024: $1,125,798Expenses 2024: $1,087,476Net Income 2024: $38,3222024

Highlighted filing

2013

Revenue$887,317
Expenses$671,936
Net Income$215,381
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 12, 2014
Return Version
2013v3.1
Gross Receipts
$887,317
Mission and Program Overview

Mission

CREDIT UNION SERVICES

Credit union-to provide services for approximately 1,853 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$8,618,535$10,596,384▲ $1,977,849
Cash and Non-Interest-Bearing Accounts$1,728,995$1,969,738▲ $240,743
Rtn Earn Endowment Incm Other Fnds$967,790$1,183,170▲ $215,380
Cap Stk Tr Prin Current Funds$400,000$400,000→ $0
Savings and Temporary Cash Investments$590,000$198,000▼ $392,000
Investments Other Securities$301,480$95,704▼ $205,776
Prepaid Expenses and Deferred Charges$101,230$27,761▼ $73,469
Land, Buildings, and Equipment, Net$4,843$2,343▼ $2,500
Total Assets$11,513,089$13,021,010▲ $1,507,921
Other Assets Total$168,006$131,080▼ $36,926
Liabilities
Other Liabilities$10,135,140$11,386,689▲ $1,251,549
Accounts Payable and Accrued Expenses$10,159$51,151▲ $40,992
Total Liabilities$10,145,299$11,437,840▲ $1,292,541
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,367,790$1,583,170▲ $215,380
Total Liabilities and Net Assets / Fund Balance$11,513,089$13,021,010▲ $1,507,921

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$-600$147,133$146,533
Equipment$2,943$2,850$5,793
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joe MenningerPresident/ceFT$43,125$43,125

Board Members and Trustees

NameTitle
JAMES O'DELLBoard Chairm
Derrick CogginBoard Vice C
Brendan ThompsonAudit Liaiso
Lynn BissingerSecretary
Bert MckeandTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$764,124
Investment Income
$9,098
Other Revenue
$114,095
Change in Net Assets
$215,381
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$364,417
Salaries, Compensation, and Employee Benefits$307,519
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$254,809-$254,809
Office Expenses-$171,672-$171,672
Other Employee Benefits-$52,710-$52,710
Interest-$45,889-$45,889
Occupancy-$35,949-$35,949
All Other Expenses-$9,141-$9,141
Other Expenses-$5,578-$5,578
Conferences and Meetings-$2,545-$2,545
Total Functional Expenses$0$671,936$0$671,936
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$5,518,008
All Other Shares$4,864,177
Share Drafts$1,004,504
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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 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 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
62-0787251
Phone
6158726380

Signing Officer

Name
Joe Menninger
Title
President/CEO
Phone
6158726380
Signed
2014-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joe Menninger
Formed
1967
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
6
Volunteers
5

Preparer

Preparer
Keith 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 nay 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 Appendix342 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/TitleTxt0SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE C
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD CHAIRM
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IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT/CE
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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 NAY 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 MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9DUE TO ROUNDING 1
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ANNUAL 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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt011513089
IRS990/TotalAssetsEOYAmt013021010
IRS990/TotalAssetsGrp/BOYAmt011513089
IRS990/TotalAssetsGrp/EOYAmt013021010
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0671936
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0671936
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010145299
IRS990/TotalLiabilitiesEOYAmt011437840
IRS990/TotalLiabilitiesGrp/BOYAmt010145299
IRS990/TotalLiabilitiesGrp/EOYAmt011437840
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01367790
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01583170
IRS990/TotalProgramServiceExpensesAmt0671936
IRS990/TotalProgramServiceRevenueAmt0764124
IRS990/TotalReportableCompFromOrgAmt043125
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0887317
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0887317
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011513089
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013021010
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1026 CENTURY BLVD COL N STE 101
IRS990/USAddress/City0NASHVILLE
IRS990/USAddress/State0TN
IRS990/USAddress/ZIPCode0372143695
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.WILLISCU.COOP
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOE MENNINGER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06158726380
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10WILLIS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WILL
ReturnHeader/Filer/EIN0620787251
ReturnHeader/Filer/PhoneNum06158726380
ReturnHeader/Filer/USAddress/AddressLine1026 CENTURY BLVD COL N STE 101
ReturnHeader/Filer/USAddress/City0NASHVILLE
ReturnHeader/Filer/USAddress/State0TN
ReturnHeader/Filer/USAddress/ZIPCode0372143695
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine103773 COMMONWEALTH BLVD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0323033175
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH MCMURTRIE
ReturnHeader/ReturnTs02014-05-15T19:41:09-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$13,021,010
Liabilities
$11,437,840
Net assets
$1,583,170
Revenue
$887,317
Expenses
$671,936
Net income
$215,381
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$17.3$14.8$2.45$1.13$1.09$0.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.3$14.9$2.41$1.08$1.02$0.05
2022Detailed filing. Detailed filing data is available for this year.$19.1$16.8$2.36$0.87$0.85$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.2$20.9$2.34$0.86$0.87$0.01
2020Detailed filing. Detailed filing data is available for this year.$19.6$17.2$2.37$0.93$0.97$0.05
2019Detailed filing. Detailed filing data is available for this year.$17.7$15.3$2.40$1.06$1.03$0.03
2018Summary only. Only limited summary data is available for this year.$17.9$15.5$2.40$1.11$0.96$0.15
2017Detailed filing. Detailed filing data is available for this year.$18.6$16.3$2.25$1.08$0.97$0.10
2016Detailed filing. Detailed filing data is available for this year.$17.5$15.3$2.15$1.06$0.85$0.21
2015Detailed filing. Detailed filing data is available for this year.$17.9$15.9$1.94$0.95$0.69$0.26
2014Detailed filing. Detailed filing data is available for this year.$16.1$14.3$1.79$0.92$0.72$0.20
2013Detailed filing. Detailed filing data is available for this year.$13.0$11.4$1.58$0.89$0.67$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.5$10.1$1.37$0.67
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.83$8.52$1.31$0.85
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$9.65$1.57$0.75