Civic Intelligence

Aub Employees Credit Union

990 • Fiscal year 2013 • EIN 62-0794334

Jan 01, 2013 to Dec 31, 2013 • Filed on May 30, 2014

Organization Profile
100 Englewood Rd37371

(423) 507-6042

Siviq Scores

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

Liabilities / Assets

28th percentile

0.76x

Higher debt load relative to assets than 28% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

42nd percentile

15.10x

Higher debt load relative to revenue than 42% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

83rd percentile

15%

Higher net margin than 83% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

34th percentile

$14,631

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 19.7% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

93rd percentile

13%

Faster asset growth than 93% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

33rd percentile

-2.5%

Faster revenue growth than 33% of similar nonprofits.

2013 filings • $1M-$5M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets28th percentile

Assets

Up

$1,472,900

Up $166,669 (+13%) from 2012

Net Assets

Up

$350,388

Up $11,210 (+3.3%) from 2012

Liabilities

Up

$1,122,512

Up $155,459 (+16%) from 2012

Revenue And Expenses
Liabilities / Revenue42nd percentileNet Margin83rd percentile

Revenue

Down

$74,358

Down $1,936 (-2.5%) from 2012

Expenses

Down

$63,148

Down $618 (-1.0%) from 2012

Net Income

Down

$11,210

Down $1,318 (-11%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $1,138,432Liabilities 2010: $812,760Net Assets 2010: $325,6722010Assets 2011: $1,239,297Liabilities 2011: $912,648Net Assets 2011: $326,6492011Assets 2012: $1,306,231Liabilities 2012: $967,053Net Assets 2012: $339,1782012Assets 2013: $1,472,900Liabilities 2013: $1,122,512Net Assets 2013: $350,3882013Assets 2014: $1,587,824Liabilities 2014: $1,227,047Net Assets 2014: $360,7772014Assets 2015: $1,603,751Liabilities 2015: $1,232,310Net Assets 2015: $371,4412015Assets 2016: $1,624,444Liabilities 2016: $1,248,687Net Assets 2016: $375,7572016Assets 2017: $1,755,151Liabilities 2017: $1,377,522Net Assets 2017: $377,6292017Assets 2018: $1,574,176Liabilities 2018: $1,192,481Net Assets 2018: $381,6952018Assets 2019: $1,590,771Liabilities 2019: $1,207,020Net Assets 2019: $383,7512019Assets 2020: $1,792,029Liabilities 2020: $1,405,756Net Assets 2020: $386,2732020Assets 2021: $1,861,832Liabilities 2021: $1,474,290Net Assets 2021: $387,5422021Assets 2022: $2,012,682Liabilities 2022: $1,624,504Net Assets 2022: $388,1782022Assets 2023: $1,754,257Liabilities 2023: $1,359,406Net Assets 2023: $394,8512023Assets 2024: $1,685,664Liabilities 2024: $1,186,945Net Assets 2024: $498,7192024

Highlighted filing

2013

Assets$1,472,900
Liabilities$1,122,512
Net Assets$350,388
Open 2013 Filing

Operations Trend

Revenue Growth33rd percentile

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

$80K$60K$40K$20K$0Expenses 2010: $67,9862010Expenses 2011: $69,8402011Revenue 2012: $76,294Expenses 2012: $63,766Net Income 2012: $12,5282012Revenue 2013: $74,358Expenses 2013: $63,148Net Income 2013: $11,2102013Revenue 2014: $76,509Expenses 2014: $66,120Net Income 2014: $10,3892014Revenue 2015: $72,209Expenses 2015: $61,545Net Income 2015: $10,6642015Revenue 2016: $63,098Expenses 2016: $60,670Net Income 2016: $2,4282016Revenue 2017: $62,104Expenses 2017: $60,232Net Income 2017: $1,8722017Revenue 2018: $69,427Expenses 2018: $65,361Net Income 2018: $4,0662018Revenue 2019: $65,865Expenses 2019: $63,808Net Income 2019: $2,0572019Revenue 2020: $66,661Expenses 2020: $64,138Net Income 2020: $2,5232020Revenue 2021: $64,146Expenses 2021: $62,878Net Income 2021: $1,2682021Revenue 2022: $62,870Expenses 2022: $62,234Net Income 2022: $6362022Revenue 2023: $75,865Expenses 2023: $69,191Net Income 2023: $6,6742023Revenue 2024: $79,676Expenses 2024: $75,795Net Income 2024: $3,8812024

Highlighted filing

2013

Revenue$74,358
Expenses$63,148
Net Income$11,210
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 30, 2014
Return Version
2013v3.1
Gross Receipts
$74,358
Mission and Program Overview

Mission

Credit union - to provide services for approximately 213 members in the form of loans, savings, and other financial services.

Credit union - to provide services for approximately 250 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$848,809$857,095▲ $8,286
Cash and Non-Interest-Bearing Accounts$437,428$593,155▲ $155,727
Rtn Earn Endowment Incm Other Fnds$293,982$305,192▲ $11,210
Cap Stk Tr Prin Current Funds$45,196$45,196→ $0
Investments Other Securities$8,538$8,538→ $0
Prepaid Expenses and Deferred Charges$1,573$3,668▲ $2,095
Total Assets$1,306,231$1,472,900▲ $166,669
Other Assets Total$9,883$10,444▲ $561
Liabilities
Other Liabilities$960,528$1,119,436▲ $158,908
Accounts Payable and Accrued Expenses$6,525$3,076▼ $3,449
Total Liabilities$967,053$1,122,512▲ $155,459
Net Assets / Fund Balance
Total Net Assets Fund Balance$339,178$350,388▲ $11,210
Total Liabilities and Net Assets / Fund Balance$1,306,231$1,472,900▲ $166,669

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$17,810$17,810
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Myrl VaughnManager/treaPT$14,631$14,631

Board Members and Trustees

NameTitle
Heather HackerBoard Member
William R Ingram JrBoard Presid
Ryne FraizerBoard Vice P
Randy MontgomeryCredit COM C
Craig BrymerCredit COM M
Randell MillsapsCredit COM M
Phyliss WhiteMembership O
Tlida OdenSecretary
Linda TuggleSecurity Off
John HurstSupervisor C
Jeremy ParsonsSupervisory
Michelle MillsapsSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$73,674
Investment Income
$495
Other Revenue
$189
Change in Net Assets
$11,210

Audited Revenue Reconciliation

Revenue per Audited Statements
$74,358
Total Revenue per Audited Statements
$74,358
Total Revenue per Form 990
$74,358
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$39,061
Salaries, Compensation, and Employee Benefits$24,087
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$22,375-$22,375
Interest-$10,370-$10,370
All Other Expenses-$4,263-$4,263
Office Expenses-$3,754-$3,754
Other Expenses-$2,432-$2,432
Payroll Taxes-$1,712-$1,712
Conferences and Meetings-$814-$814
Total Functional Expenses$0$63,148$0$63,148

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$63,148
Total Expenses per Audited Statements$63,148
Total Expenses per Form 990$63,148
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$1,119,436
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
No
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 19

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

Filing and Contact Details

Filer

EIN
62-0794334
Phone
4235076042

Signing Officer

Name
Myrl Vaughn
Title
Manager
Phone
4235076042
Signed
2014-05-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Myrl Vaughn
Formed
1994
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
2

Preparer

Preparer
Keith Mcmurtrie
Phone
8505581102
Raw XML Appendix371 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/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1428
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt052778
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt01148
IRS990/PYOtherExpensesAmt040444
IRS990/PYOtherRevenueAmt0150
IRS990/PYProgramServiceRevenueAmt074996
IRS990/PYRevenuesLessExpensesAmt012528
IRS990/PYTotalExpensesAmt063766
IRS990/PYTotalProfFndrsngExpnsAmt023322
IRS990/PYTotalRevenueAmt076294
IRS990/ReconcilationRevenueExpnssAmt011210
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0293982
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0305192
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt017810
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt017810
IRS990ScheduleD/ExpensesSubtotalAmt063148
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01119436
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/RevenueSubtotalAmt074358
IRS990ScheduleD/TotalExpensesPerForm990Amt063148
IRS990ScheduleD/TotalLiabilityAmt01119436
IRS990ScheduleD/TotalRevenuePerForm990Amt074358
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt074358
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt063148
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE 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/ExplanationTxt2SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01306231
IRS990/TotalAssetsEOYAmt01472900
IRS990/TotalAssetsGrp/BOYAmt01306231
IRS990/TotalAssetsGrp/EOYAmt01472900
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt063148
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt063148
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0967053
IRS990/TotalLiabilitiesEOYAmt01122512
IRS990/TotalLiabilitiesGrp/BOYAmt0967053
IRS990/TotalLiabilitiesGrp/EOYAmt01122512
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0339178
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0350388
IRS990/TotalProgramServiceExpensesAmt063148
IRS990/TotalProgramServiceRevenueAmt073674
IRS990/TotalReportableCompFromOrgAmt014631
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt074358
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt074358
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01306231
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01472900
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10100 ENGLEWOOD ROAD
IRS990/USAddress/City0ATHENS
IRS990/USAddress/State0TN
IRS990/USAddress/ZIPCode037371
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReasonableCauseExplanation/ExplanationTxt0SOFTWARE ISSUES
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MYRL VAUGHN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04235076042
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-30
ReturnHeader/Filer/BusinessName/BusinessNameLine10AUB EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0AUBE
ReturnHeader/Filer/EIN0620794334
ReturnHeader/Filer/PhoneNum04235076042
ReturnHeader/Filer/USAddress/AddressLine10100 ENGLEWOOD RD
ReturnHeader/Filer/USAddress/City0ATHENS
ReturnHeader/Filer/USAddress/State0TN
ReturnHeader/Filer/USAddress/ZIPCode037371
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0591086132
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/PreparationDt02014-08-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH MCMURTRIE
ReturnHeader/ReturnTs02014-08-26T17:43:36-05:00
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
$1,472,900
Liabilities
$1,122,512
Net assets
$350,388
Revenue
$74,358
Expenses
$63,148
Net income
$11,210
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.69$1.19$0.50$0.08$0.08$0.00
2023Detailed filing. Detailed filing data is available for this year.$1.75$1.36$0.39$0.08$0.07$0.01
2022Detailed filing. Detailed filing data is available for this year.$2.01$1.62$0.39$0.06$0.06$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.86$1.47$0.39$0.06$0.06$0.00
2020Detailed filing. Detailed filing data is available for this year.$1.79$1.41$0.39$0.07$0.06$0.00
2019Detailed filing. Detailed filing data is available for this year.$1.59$1.21$0.38$0.07$0.06$0.00
2018Detailed filing. Detailed filing data is available for this year.$1.57$1.19$0.38$0.07$0.07$0.00
2017Detailed filing. Detailed filing data is available for this year.$1.76$1.38$0.38$0.06$0.06$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.62$1.25$0.38$0.06$0.06$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.60$1.23$0.37$0.07$0.06$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.59$1.23$0.36$0.08$0.07$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.47$1.12$0.35$0.07$0.06$0.01
2012Summary only. Only limited summary data is available for this year.$1.31$0.97$0.34$0.08$0.06$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.24$0.91$0.33$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.14$0.81$0.33$0.07