Civic Intelligence

Omc Employees Credit Union

990 • Fiscal year 2014 • EIN 62-0812280

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 20, 2015

Organization ProfileWWW.OMCECU.COM
P O Box 828Charleston, TN 37310

(423) 336-4331

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$28,218,711

Flat from 2014

Net Assets

Up

$2,681,625

Up $225,000 (+9.2%) from 2014

Liabilities

Down

$25,537,086

Down $225,000 (-0.9%) from 2014

Revenue And Expenses

Revenue

Flat

$776,874

Flat from 2014

Expenses

Down

$553,318

Down $224,999 (-29%) from 2014

Net Income

Up

$223,556

Up $224,999 (+15592%) from 2014

Historical Trend

Balance Sheet Trend

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

$40M$30M$20M$10M$0Assets 2010: $27,160,120Liabilities 2010: $24,972,052Net Assets 2010: $2,188,0682010Assets 2011: $28,465,243Liabilities 2011: $26,172,175Net Assets 2011: $2,293,0682011Assets 2012: $28,560,242Liabilities 2012: $26,102,174Net Assets 2012: $2,458,0682012Assets 2013: $28,086,886Liabilities 2013: $25,628,818Net Assets 2013: $2,458,0682013Assets 2014: $28,218,711Liabilities 2014: $25,537,086Net Assets 2014: $2,681,6252014Assets 2014: $28,218,711Liabilities 2014: $25,762,086Net Assets 2014: $2,456,6252014Assets 2015: $27,151,426Liabilities 2015: $24,694,640Net Assets 2015: $2,456,7862015Assets 2016: $27,292,439Liabilities 2016: $24,835,434Net Assets 2016: $2,457,0052016Assets 2017: $27,254,240Liabilities 2017: $24,797,182Net Assets 2017: $2,457,0582017Assets 2018: $28,249,542Liabilities 2018: $25,792,475Net Assets 2018: $2,457,0672018Assets 2019: $28,060,013Liabilities 2019: $25,602,403Net Assets 2019: $2,457,6102019Assets 2020: $30,234,850Liabilities 2020: $27,772,940Net Assets 2020: $2,461,9102020Assets 2021: $32,452,082Liabilities 2021: $30,009,204Net Assets 2021: $2,442,8782021Assets 2022: $31,871,942Liabilities 2022: $29,357,810Net Assets 2022: $2,514,1322022Assets 2023: $29,452,339Liabilities 2023: $26,792,577Net Assets 2023: $2,659,7622023Assets 2024: $28,315,945Liabilities 2024: $25,524,133Net Assets 2024: $2,791,8122024

Highlighted filing

2014

Assets$28,218,711
Liabilities$25,537,086
Net Assets$2,681,625
Open 2014 Filing

Operations Trend

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $825,3662010Expenses 2011: $792,3602011Expenses 2012: $732,6072012Revenue 2013: $834,304Expenses 2013: $834,304Net Income 2013: $02013Revenue 2014: $776,874Expenses 2014: $553,318Net Income 2014: $223,5562014Revenue 2014: $776,874Expenses 2014: $778,317Net Income 2014: -$1,4432014Revenue 2015: $744,460Expenses 2015: $744,298Net Income 2015: $1622015Revenue 2016: $782,556Expenses 2016: $782,336Net Income 2016: $2202016Revenue 2017: $783,296Expenses 2017: $783,245Net Income 2017: $512017Revenue 2018: $851,896Expenses 2018: $851,887Net Income 2018: $92018Revenue 2019: $918,963Expenses 2019: $918,420Net Income 2019: $5432019Revenue 2020: $791,534Expenses 2020: $787,235Net Income 2020: $4,2992020Revenue 2021: $636,128Expenses 2021: $655,161Net Income 2021: -$19,0332021Revenue 2022: $674,430Expenses 2022: $600,110Net Income 2022: $74,3202022Revenue 2023: $917,261Expenses 2023: $771,721Net Income 2023: $145,5402023Revenue 2024: $1,116,362Expenses 2024: $984,313Net Income 2024: $132,0492024

Highlighted filing

2014

Revenue$776,874
Expenses$553,318
Net Income$223,556
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 20, 2015
Return Version
2014v5.0
Gross Receipts
$776,874
Mission and Program Overview

Mission

To provide services for approximately 2,046 members in the form of loans, savings, and other financial services.

To provide services for approximately 1,995 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$14,823,824$15,756,317▲ $932,493
Investments Other Securities$7,570,538$6,941,597▼ $628,941
Cash and Non-Interest-Bearing Accounts$2,896,021$3,478,184▲ $582,163
Rtn Earn Endowment Incm Other Fnds$1,601,012$1,824,569▲ $223,557
Savings and Temporary Cash Investments$2,480,000$1,736,000▼ $744,000
Cap Stk Tr Prin Current Funds$857,056$857,056→ $0
Prepaid Expenses and Deferred Charges$28,519$20,612▼ $7,907
Land, Buildings, and Equipment, Net$1,318$5,546▲ $4,228
Total Assets$28,086,886$28,218,711▲ $131,825
Other Assets Total$286,666$280,455▼ $6,211
Liabilities
Other Liabilities$25,333,503$25,455,730▲ $122,227
Accounts Payable and Accrued Expenses$295,315$81,356▼ $213,959
Total Liabilities$25,628,818$25,537,086▼ $91,732
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,458,068$2,681,625▲ $223,557
Total Liabilities and Net Assets / Fund Balance$28,086,886$28,218,711▲ $131,825

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,386$32,173$34,559
Other Securities$193,580--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephanie MillerOperations MFT$6,058-$6,058
Brian McmanusBusiness ManFT$3,462$92$3,554

Board Members and Trustees

NameTitle
James TindalBoard 1st Vi
Nick WalshBoard 2nd Vi
Trendel HodgesBoard Presid
James L CarmanBoard Secret
Steve KeenanBoard Treasu
Sanford ParkerCredit COM M
Deanna BainSupervisory
Matt HauberSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$656,629
Investment Income
$72,792
Other Revenue
$47,453
Change in Net Assets
$223,556
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$353,512
Salaries, Compensation, and Employee Benefits$199,806
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$171,450-$171,450
Interest-$82,913-$82,913
Office Expenses-$63,313-$63,313
Other Expenses-$17,664-$17,664
Payroll Taxes-$15,107-$15,107
Other Employee Benefits-$13,249-$13,249
Conferences and Meetings-$2,359-$2,359
Occupancy-$1,580-$1,580
Total Functional Expenses$0$553,318$0$553,318
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$11,830,103
Regular Shares$11,819,711
Share Drafts$1,716,679
Non-member Deposits$89,237
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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 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 19

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

Filing and Contact Details

Filer

Filer Name
Omc Employees Credit Union
EIN
62-0812280
Phone
4233364331
Address
P O BOX 828, CHARLESTON, TN 37310

Signing Officer

Name
Brian Mcmanus
Title
Business Manager
Phone
4233364331
Signed
2015-04-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian Mcmanus
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
7
Volunteers
8

Preparer

Firm
Leverage the Lscu Service Corporation
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
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, supervisory committee, and credit 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

“DUE TO ROUNDING 1”

Form 990, Part XII

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

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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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3NON-MEMBER DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06748017
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1193580
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1PAID-IN-CAPITAL - VCCU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02386
IRS990ScheduleD/TotalBookValueSecuritiesAmt06941597
IRS990ScheduleD/TotalLiabilityAmt025455730
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT 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/ExplanationTxt6FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DUE TO ROUNDING 1
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ANNUAL 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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt028086886
IRS990/TotalAssetsEOYAmt028218711
IRS990/TotalAssetsGrp/BOYAmt028086886
IRS990/TotalAssetsGrp/EOYAmt028218711
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0553318
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0553318
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt025628818
IRS990/TotalLiabilitiesEOYAmt025537086
IRS990/TotalLiabilitiesGrp/BOYAmt025628818
IRS990/TotalLiabilitiesGrp/EOYAmt025537086
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02458068
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02681625
IRS990/TotalOtherCompensationAmt092
IRS990/TotalProgramServiceExpensesAmt0553318
IRS990/TotalProgramServiceRevenueAmt0656629
IRS990/TotalReportableCompFromOrgAmt09520
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0776874
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0776874
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt028086886
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt028218711
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 828
IRS990/USAddress/CityNm0CHARLESTON
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037310
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.OMCECU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BRIAN MCMANUS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BUSINESS MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04233364331
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0OMC EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0OMCE
ReturnHeader/Filer/EIN0620812280
ReturnHeader/Filer/PhoneNum04233364331
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 828
ReturnHeader/Filer/USAddress/CityNm0CHARLESTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037310
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0591086132
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02015-04-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH T MCMURTRIE
ReturnHeader/ReturnTs02015-04-24T09:03:28-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,218,711
Liabilities
$25,537,086
Net assets
$2,681,625
Revenue
$776,874
Expenses
$553,318
Net income
$223,556
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.3$25.5$2.79$1.12$0.98$0.13
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.5$26.8$2.66$0.92$0.77$0.15
2022Detailed filing. Detailed filing data is available for this year.$31.9$29.4$2.51$0.67$0.60$0.07
2021Detailed filing. Detailed filing data is available for this year.$32.5$30.0$2.44$0.64$0.66$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.2$27.8$2.46$0.79$0.79$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.1$25.6$2.46$0.92$0.92$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.2$25.8$2.46$0.85$0.85$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.3$24.8$2.46$0.78$0.78$0.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.3$24.8$2.46$0.78$0.78$0.00
2015Detailed filing. Detailed filing data is available for this year.$27.2$24.7$2.46$0.74$0.74$0.00
2014Detailed filing. Detailed filing data is available for this year.$28.2$25.5$2.68$0.78$0.55$0.22
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.2$25.8$2.46$0.78$0.78$0.00
2013Detailed filing. Detailed filing data is available for this year.$28.1$25.6$2.46$0.83$0.83$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.6$26.1$2.46$0.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.5$26.2$2.29$0.79
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.2$25.0$2.19$0.83