Civic Intelligence

Smith & Nephew Employees Credit Union

EIN 62-0814491 • 501(c)14 • Memphis, TN

Profile

Credit union-to provide financial services for approximately 1,482 members in the form of loans, savings, and other financial services.

2678 MT Moriah Terrace CoveMemphis, TN 38115

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

42nd percentile

0.82x

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

501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

73rd percentile

18.75x

Higher debt load relative to revenue than 73% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

59th percentile

5.4%

Higher net margin than 59% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

82nd percentile

$102,870

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 28.9% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

66th percentile

1.1%

Faster asset growth than 66% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

33rd percentile

-0.8%

Faster revenue growth than 33% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$8,110,814

Up $91,959 (+1.1%) from 2016

Liabilities

Up

$6,679,901

Up $72,556 (+1.1%) from 2016

Net Assets

Up

$1,430,913

Up $19,403 (+1.4%) from 2016

Operations
Liabilities / Revenue73rd percentileNet Margin59th percentile

Revenue

Down

$356,167

Down $3,010 (-0.8%) from 2016

Expenses

Up

$336,764

Up $11,584 (+3.6%) from 2016

Net Income

Down

$19,403

Down $14,594 (-43%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$10M$5.0M$0Assets 2010: $8,709,817Liabilities 2010: $7,359,730Net Assets 2010: $1,350,0872010Assets 2011: $8,781,020Liabilities 2011: $7,415,195Net Assets 2011: $1,365,8252011Assets 2012: $8,466,334Liabilities 2012: $7,078,667Net Assets 2012: $1,387,6672012Assets 2013: $8,523,225Liabilities 2013: $7,123,830Net Assets 2013: $1,399,3952013Assets 2014: $8,330,637Liabilities 2014: $6,937,856Net Assets 2014: $1,392,7812014Assets 2015: $7,597,324Liabilities 2015: $6,219,810Net Assets 2015: $1,377,5142015Assets 2016: $8,018,855Liabilities 2016: $6,607,345Net Assets 2016: $1,411,5102016Assets 2017: $8,110,814Liabilities 2017: $6,679,901Net Assets 2017: $1,430,9132017

Highlighted filing

2017

Assets$8,110,814
Liabilities$6,679,901
Net Assets$1,430,913
Open 2017 Filing

Operations Trend

Revenue Growth33rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $417,7152010Expenses 2011: $394,2242011Expenses 2012: $366,6432012Revenue 2013: $345,641Expenses 2013: $333,913Net Income 2013: $11,7282013Revenue 2014: $342,325Expenses 2014: $348,938Net Income 2014: -$6,6132014Revenue 2015: $331,649Expenses 2015: $346,917Net Income 2015: -$15,2682015Revenue 2016: $359,177Expenses 2016: $325,180Net Income 2016: $33,9972016Revenue 2017: $356,167Expenses 2017: $336,764Net Income 2017: $19,4032017

Highlighted filing

2017

Revenue$356,167
Expenses$336,764
Net Income$19,403
Open 2017 Filing

Filings

Most recent year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,110,814
Liabilities
$6,679,901
Net assets
$1,430,913
Revenue
$356,167
Expenses
$336,764
Net income
$19,403
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$8.11$6.68$1.43$0.36$0.34$0.02
2016Detailed filing. Detailed filing data is available for this year.$8.02$6.61$1.41$0.36$0.33$0.03
2015Detailed filing. Detailed filing data is available for this year.$7.60$6.22$1.38$0.33$0.35$0.02
2014Detailed filing. Detailed filing data is available for this year.$8.33$6.94$1.39$0.34$0.35$0.01
2013Detailed filing. Detailed filing data is available for this year.$8.52$7.12$1.40$0.35$0.33$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.47$7.08$1.39$0.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.78$7.42$1.37$0.39
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.71$7.36$1.35$0.42
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 25, 2018
Return Version
2017v2.3
Gross Receipts
$356,167
Mission and Program Overview

Mission

Credit union-to provide financial services for approximately 1,482 members in the form of loans, savings, and other financial services.

To provide finacial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$2,644,555$0▼ $2,644,555
Other Notes and Loans Receivable, Net$0$2,293,334▲ $2,293,334
Savings and Temporary Cash Investments$2,824,000$2,284,000▼ $540,000
Investments Other Securities$1,305,994$2,049,994▲ $744,000
Cash and Non-Interest-Bearing Accounts$1,147,783$1,395,002▲ $247,219
Rtn Earn Endowment Incm Other Fnds$1,109,790$1,129,193▲ $19,403
Cap Stk Tr Prin Current Funds$301,720$301,720→ $0
Land, Buildings, and Equipment, Net$18,898$13,498▼ $5,400
Prepaid Expenses and Deferred Charges$4,511$1,521▼ $2,990
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$8,018,855$8,110,814▲ $91,959
Other Assets Total$73,114$73,465▲ $351
Liabilities
Other Liabilities$6,584,264$6,637,919▲ $53,655
Accounts Payable and Accrued Expenses$23,081$41,982▲ $18,901
Total Liabilities$6,607,345$6,679,901▲ $72,556
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,411,510$1,430,913▲ $19,403
Total Liabilities and Net Assets / Fund Balance$8,018,855$8,110,814▲ $91,959

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$13,498$26,290$39,788
Leasehold Improvements$0$29,921$29,921
Other Securities$65,994--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mattie M LittleManager/CEOFT$90,164$12,706$102,870

Board Members and Trustees

NameTitle
Robert E McculloughChair
Sondra HollidayVice Chair
Jeannea RobidasBoard Member
Robin CurrySecretary
Carrie MillenderTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$286,979
Investment Income
$69,188
Other Revenue
$0
Change in Net Assets
$19,403
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$190,813
Other Expenses$145,951
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---$102,870
Office Expenses---$90,843
Other Salaries and Wages---$66,268
Fees for Services Other---$34,983
Other Employee Benefits---$21,675
Depreciation Depletion---$5,400
Interest---$1,790
Other Expenses---$937
All Other Expenses---$500
Total Functional Expenses$0$0$0$336,764
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$4,695,895
Share Drafts$1,521,748
All Other Shares$420,276
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, Part VI, Section A, Line 6

“The credit union is owned, managed and utilized by its member-owners.”

Form 990, Part VI, Section A, 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, Part VI, Section A, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Part VI, Section B, Line 11B

“The form 990 is reviewed by management. The form 990 is available for review by the board of directors upon request.”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Smith & Nephew Employees Credit Union
EIN
62-0814491
Phone
9013281162
Address
2678 MT MORIAH TERRACE COVE, MEMPHIS, TN 38115

Signing Officer

Name
Mattie M Little
Title
Manager/CEO
Phone
9013281162
Signed
2018-07-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mattie M Little
Formed
1968
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
5

Preparer

Firm
Reynolds Bone & Griesbeck Plc
Address
5100 WHEELIS DRIVE SUITE 300, MEMPHIS, TN 38117-4568
Preparer
Paul B Berryhill
Phone
9016822431
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Professional & outside services 34,983.”

FORM 990, PART XII, LINE 1:

“MODIFIED CASH”

FORM 990, PART XII, ADDITIONAL INFORMATION:

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

FORM 990, PART V, LINE 2B:

“The employees of smith & nephew employees credit union received forms w-2. However, the forms w-2 and form w-3 were filed by smith & nephew inc (ein 51-0123924).”

Form 990

“Section 1.263(a)-1(f) de minimis safe harbor election smith & nephew employees credit union 2678 mt. Moriah terrace cove memphis, tn 38115 employer identification number: 62-0814491 for the year ending december 31, 2017 smith & nephew employees credit union is making the de minimis safe harbor election under reg. Sec. 1.263(a)-1(f).”

Raw XML Appendix346 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/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED, MANAGED AND UTILIZED BY ITS MEMBER-OWNERS.
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 REVIEWED BY MANAGEMENT. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PROFESSIONAL & OUTSIDE SERVICES 34,983.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MODIFIED CASH
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE EMPLOYEES OF SMITH & NEPHEW EMPLOYEES CREDIT UNION RECEIVED FORMS W-2. HOWEVER, THE FORMS W-2 AND FORM W-3 WERE FILED BY SMITH & NEPHEW INC (EIN 51-0123924).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9SECTION 1.263(A)-1(F) DE MINIMIS SAFE HARBOR ELECTION SMITH & NEPHEW EMPLOYEES CREDIT UNION 2678 MT. MORIAH TERRACE COVE MEMPHIS, TN 38115 EMPLOYER IDENTIFICATION NUMBER: 62-0814491 FOR THE YEAR ENDING DECEMBER 31, 2017 SMITH & NEPHEW EMPLOYEES CREDIT UNION IS MAKING THE DE MINIMIS SAFE HARBOR ELECTION UNDER REG. SEC. 1.263(A)-1(F).
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 1:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, ADDITIONAL INFORMATION:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART V, LINE 2B:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt08018855
IRS990/TotalAssetsEOYAmt08110814
IRS990/TotalAssetsGrp/BOYAmt08018855
IRS990/TotalAssetsGrp/EOYAmt08110814
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0336764
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06607345
IRS990/TotalLiabilitiesEOYAmt06679901
IRS990/TotalLiabilitiesGrp/BOYAmt06607345
IRS990/TotalLiabilitiesGrp/EOYAmt06679901
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01411510
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01430913
IRS990/TotalOtherCompensationAmt012706
IRS990/TotalProgramServiceRevenueAmt0286979
IRS990/TotalReportableCompFromOrgAmt090164
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0356167
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0356167
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08018855
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08110814
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02678 MT MORIAH TERRACE COVE
IRS990/USAddress/CityNm0MEMPHIS
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd038115
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MATTIE M LITTLE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09013281162
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-07-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SMITH & NEPHEW EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SMIT
ReturnHeader/Filer/EIN0620814491
ReturnHeader/Filer/PhoneNum09013281162
ReturnHeader/Filer/USAddress/AddressLine1Txt02678 MT MORIAH TERRACE COVE
ReturnHeader/Filer/USAddress/CityNm0MEMPHIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd038115
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId06FB6D247EA89A1511655647A21F0484DE91F61D8
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId06FB6D247EA89A1511655647A21F0484DE91F61D8
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0216.37.74.231
ReturnHeader/FilingSecurityInformation/IPDt02018-07-25
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm016:11:59
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0620428728
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0REYNOLDS BONE & GRIESBECK PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05100 WHEELIS DRIVE SUITE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MEMPHIS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0381174568
ReturnHeader/PreparerPersonGrp/PhoneNum09016822431
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PAUL B BERRYHILL
ReturnHeader/ReturnTs02018-08-07T14:35:24-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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