Civic Intelligence

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990 • Fiscal year 2015 • EIN 62-0787251

Jan 01, 2015 to Dec 31, 2015 • Filed on May 03, 2016

Organization ProfileN/A
26 Century BlvdNashville, TN 37214

(615) 872-6380

Siviq Scores

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

Liabilities / Assets

68th percentile

0.89x

Higher debt load relative to assets than 68% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

30th percentile

16.77x

Higher debt load relative to revenue than 30% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

96th percentile

28%

Higher net margin than 96% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

76th percentile

$92,732

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 9.8% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

92nd percentile

11%

Faster asset growth than 92% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

63rd percentile

2.7%

Faster revenue growth than 63% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$17,873,364

Up $1,797,563 (+11%) from 2014

Net Assets

Up

$1,940,909

Up $153,444 (+8.6%) from 2014

Liabilities

Up

$15,932,455

Up $1,644,119 (+12%) from 2014

Revenue And Expenses
Liabilities / Revenue30th percentileNet Margin96th percentile

Revenue

Up

$950,229

Up $25,416 (+2.7%) from 2014

Expenses

Down

$686,397

Down $34,121 (-4.7%) from 2014

Net Income

Up

$263,832

Up $59,537 (+29%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth92nd 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

2015

Assets$17,873,364
Liabilities$15,932,455
Net Assets$1,940,909
Open 2015 Filing

Operations Trend

Revenue Growth63rd percentile

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

2015

Revenue$950,229
Expenses$686,397
Net Income$263,832
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 3, 2016
Return Version
2015v2.1
Gross Receipts
$950,229
Mission and Program Overview

Mission

CREDIT UNION SERVICES

CU SERVICES

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$12,524,340$12,574,691▲ $50,351
Savings and Temporary Cash Investments$3,046,426$4,302,354▲ $1,255,928
Rtn Earn Endowment Incm Other Fnds$1,787,465$1,940,909▲ $153,444
Investments Program Related-$496,000-
Cash and Non-Interest-Bearing Accounts$178,882$175,765▼ $3,117
Receivables From Officers Etc-$3,062-
Land, Buildings, and Equipment, Net$2,343--
Total Assets$16,075,801$17,873,364▲ $1,797,563
Other Assets Total$323,810$321,492▼ $2,318
Liabilities
Other Liabilities$14,288,336$15,932,455▲ $1,644,119
Total Liabilities$14,288,336$15,932,455▲ $1,644,119
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,787,465$1,940,909▲ $153,444
Total Liabilities and Net Assets / Fund Balance$16,075,801$17,873,364▲ $1,797,563

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$157,279$157,279
Leasehold Improvements-$5,243$5,243
Other Assets Org$3,400--
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joe MenningerPresidentFT$92,732$92,732

Board Members and Trustees

NameTitle
James OdellChairman
Derrick CoginVice Chair
Brendan ThompsonAudit Liaison
Lynn BissingerSec
Bert MckeandTreas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$723,931
Investment Income
$3,722
Other Revenue
$222,576
Change in Net Assets
$263,832
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$363,355
Other Expenses$323,042
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$146,137$0$0$146,137
Other Salaries and Wages$137,341$0$0$137,341
Other Employee Benefits$79,877$0$0$79,877
Depreciation Depletion$11,394$0$0$11,394
Other Expenses$10,608$0$0$10,608
Total Functional Expenses$686,397$0$0$686,397
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$3,062-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Suspense Disputes$15,909,167
Isi Cdi A/p$22,357
B/up W/h$12,726
On-line Atm Clrng$1,515
B/up W/h$1,371
Member Deposits$700
Ach Rdc Clrng$440
Ach Rdc Clrng$137
Accrd St Exam-
Sh Dr Clrng-
Sh Dr Xcptn-
Atm Xcptns-
Mech Rpr Cvg$-40
Gap Wrnty$-55
M/c Pmts in Process$-2,684
Visa Gift Cds/p$-2,698
Cdi/p$-10,481
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Willis Credit Union
EIN
62-0787251
Phone
6158726380
Address
26 CENTURY BLVD, NASHVILLE, TN 37214

Signing Officer

Name
James Odell
Title
Chairman
Phone
6158726380
Signed
2016-05-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Odell
Formed
1967
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
6
Volunteers
5

Preparer

Firm
Mcclarty Beaubien Pllc
Address
211 DONELSON PIKE STE 113, NASHVILLE, TN 37214-2929
Preparer
Milton G Anderson CPA
Phone
6158710290
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“CU MBRSHIP”

Pt VI, Line 7A

“CU MBRSHIP”

Pt VI, Line 11B

“BOARD MEETINGS”

Pt VI, Line 12C

“BOARD MEETINGS”

Pt VI, Line 15A

“COMPENSATION COMMITTEE”

Pt VI, Line 15B

“COMPENSATION COMMITTEE”

Raw XML Appendix364 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.

Path#Value
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IRS990/BooksInCareOfDetail/USAddress/CityNm0NASHVILLE
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IRS990/Form990PartVIISectionAGrp/TitleTxt1TREAS
IRS990/Form990PartVIISectionAGrp/TitleTxt2AUDIT LIAISON
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4SEC
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/InvestmentInJointVentureInd0false
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IRS990/IRPDocumentW2GCnt06
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IRS990/MethodOfAccountingAccrualInd0X
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IRS990/NondeductibleContributionsInd0false
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherExpensesGrp/Desc0INTEREST ON MEMBER DEPOSITS
IRS990/OtherExpensesGrp/Desc1OTHER OFFICE OCCUPANCY AND OPS
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSSES
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CIP
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1PPD EXPS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INT RECV
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3VCCU MBRSHP SHRS
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc5NCUSIF DEPOSIT
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc7PSCU PREFUND DEP
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0B/UP W/H
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CDI/P
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2VISA GIFT CDS/P
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3ISI CDI A/P
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4M/C PMTS IN PROCESS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5SUSPENSE DISPUTES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6ON-LINE ATM CLRNG
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7ACH RDC CLRNG
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8ACH RDC CLRNG
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc10B/UP W/H
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc11GAP WRNTY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc12MECH RPR CVG
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc13ACCRD ST EXAM
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc14SH DR CLRNG
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc15SH DR XCPTN
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc16ATM XCPTNS
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0321492
IRS990ScheduleD/TotalLiabilityAmt015932455
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03062
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0CREDIT CRD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt05000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JAMES ODELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0OFFICIAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt03062
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CU MBRSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CU MBRSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD MEETINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD MEETINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt016075801
IRS990/TotalAssetsEOYAmt017873364
IRS990/TotalAssetsGrp/BOYAmt016075801
IRS990/TotalAssetsGrp/EOYAmt017873364
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0686397
IRS990/TotalFunctionalExpensesGrp/TotalAmt0686397
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt014288336
IRS990/TotalLiabilitiesEOYAmt015932455
IRS990/TotalLiabilitiesGrp/BOYAmt014288336
IRS990/TotalLiabilitiesGrp/EOYAmt015932455
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01787465
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01940909
IRS990/TotalProgramServiceRevenueAmt0723931
IRS990/TotalReportableCompFromOrgAmt092732
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0950229
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0950229
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016075801
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017873364
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt026 CENTURY BLVD STE 3
IRS990/USAddress/CityNm0NASHVILLE
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037214
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES ODELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum06158726380
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WILLIS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WILL
ReturnHeader/Filer/EIN0620787251
ReturnHeader/Filer/PhoneNum06158726380
ReturnHeader/Filer/USAddress/AddressLine1Txt026 CENTURY BLVD
ReturnHeader/Filer/USAddress/CityNm0NASHVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037214
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MCCLARTY BEAUBIEN PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0211 DONELSON PIKE STE 113
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NASHVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0372142929
ReturnHeader/PreparerPersonGrp/PhoneNum06158710290
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MILTON G ANDERSON CPA
ReturnHeader/ReturnTs02016-05-11T06:16:09-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,873,364
Liabilities
$15,932,455
Net assets
$1,940,909
Revenue
$950,229
Expenses
$686,397
Net income
$263,832
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
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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