Civic Intelligence

Pias Credit Union

990 • Fiscal year 2017 • EIN 62-0840518

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 23, 2018

Organization ProfileWWW.PIASCU.ORG

View Organization Page

305 Plus Park BlvdNashville, TN 37217

(615) 360-9951

Siviq Scores

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

Liabilities / Assets

74th percentile

0.88x

Higher debt load relative to assets than 74% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

58th percentile

19.33x

Higher debt load relative to revenue than 58% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Net Margin

13th percentile

-18%

Higher net margin than 13% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

20th percentile

$0

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Asset Growth

10th percentile

-8.6%

Faster asset growth than 10% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

10th percentile

-13%

Faster revenue growth than 10% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets74th percentile

Assets

Down

$4,710,734

Down $441,309 (-8.6%) from 2016

Net Assets

Down

$556,848

Down $65,786 (-11%) from 2016

Liabilities

Down

$4,153,886

Down $375,523 (-8.3%) from 2016

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin13th percentile

Revenue

Down

$214,913

Down $31,376 (-13%) from 2016

Expenses

Down

$252,528

Down $17,163 (-6.4%) from 2016

Net Income

Down

-$37,615

Down $14,213 (-61%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,732,599Liabilities 2010: $3,828,045Net Assets 2010: $904,5542010Assets 2011: $4,932,598Liabilities 2011: $4,152,443Net Assets 2011: $780,1552011Assets 2012: $4,857,151Liabilities 2012: $4,163,437Net Assets 2012: $693,7142012Assets 2013: $5,169,093Liabilities 2013: $4,444,009Net Assets 2013: $725,0842013Assets 2014: $5,290,780Liabilities 2014: $4,649,060Net Assets 2014: $641,7202014Assets 2015: $5,072,027Liabilities 2015: $4,438,482Net Assets 2015: $633,5452015Assets 2016: $5,152,043Liabilities 2016: $4,529,409Net Assets 2016: $622,6342016Assets 2017: $4,710,734Liabilities 2017: $4,153,886Net Assets 2017: $556,8482017Assets 2018: $4,958,577Liabilities 2018: $4,362,420Net Assets 2018: $596,1572018Assets 2019: $4,884,960Liabilities 2019: $4,245,732Net Assets 2019: $639,2282019Assets 2020: $5,305,992Liabilities 2020: $4,736,636Net Assets 2020: $569,3562020Assets 2021: $5,608,014Liabilities 2021: $4,932,060Net Assets 2021: $675,9542021Assets 2022: $5,126,190Liabilities 2022: $4,364,144Net Assets 2022: $762,0462022Assets 2023: $4,597,803Liabilities 2023: $3,833,464Net Assets 2023: $764,3392023Assets 2024: $4,043,580Liabilities 2024: $3,271,394Net Assets 2024: $772,1862024

Highlighted filing

2017

Assets$4,710,734
Liabilities$4,153,886
Net Assets$556,848
Open 2017 Filing

Operations Trend

Revenue Growth10th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $452,3932010Expenses 2011: $365,0342011Revenue 2012: $319,375Expenses 2012: $351,658Net Income 2012: -$32,2832012Revenue 2013: $292,872Expenses 2013: $272,971Net Income 2013: $19,9012013Revenue 2014: $269,118Expenses 2014: $261,236Net Income 2014: $7,8822014Revenue 2015: $245,539Expenses 2015: $268,114Net Income 2015: -$22,5752015Revenue 2016: $246,289Expenses 2016: $269,691Net Income 2016: -$23,4022016Revenue 2017: $214,913Expenses 2017: $252,528Net Income 2017: -$37,6152017Revenue 2018: $213,982Expenses 2018: $234,172Net Income 2018: -$20,1902018Revenue 2019: $219,868Expenses 2019: $229,545Net Income 2019: -$9,6772019Revenue 2020: $191,348Expenses 2020: $215,825Net Income 2020: -$24,4772020Revenue 2021: $187,709Expenses 2021: $222,659Net Income 2021: -$34,9502021Revenue 2022: $176,438Expenses 2022: $206,830Net Income 2022: -$30,3922022Revenue 2023: $182,504Expenses 2023: $175,275Net Income 2023: $7,2292023Revenue 2024: $185,238Expenses 2024: $181,498Net Income 2024: $3,7402024

Highlighted filing

2017

Revenue$214,913
Expenses$252,528
Net Income-$37,615
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 23, 2018
Return Version
2017v2.3
Gross Receipts
$214,913
Mission and Program Overview

Mission

Credit union - to provide services for approximately 543 members in the form of loans, savings, and other financial services.

Credit union-to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$2,355,816$2,288,672▼ $67,144
Investments Other Securities$2,038,430$2,088,430▲ $50,000
Cap Stk Tr Prin Current Funds$330,441$330,441→ $0
Savings and Temporary Cash Investments$171,815$322,032▲ $150,217
Rtn Earn Endowment Incm Other Fnds$292,193$226,407▼ $65,786
Cash and Non-Interest-Bearing Accounts$720,565$186,333▼ $534,232
Land, Buildings, and Equipment, Net$10,524$5,789▼ $4,735
Prepaid Expenses and Deferred Charges$-203,933$-240,408▼ $36,475
Total Assets$5,152,043$4,710,734▼ $441,309
Other Assets Total$58,826$59,886▲ $1,060
Liabilities
Other Liabilities$4,519,046$4,147,985▼ $371,061
Accounts Payable and Accrued Expenses$10,363$5,901▼ $4,462
Total Liabilities$4,529,409$4,153,886▼ $375,523
Net Assets / Fund Balance
Total Net Assets Fund Balance$622,634$556,848▼ $65,786
Total Liabilities and Net Assets / Fund Balance$5,152,043$4,710,734▼ $441,309

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,789$7,500$13,289
Other Securities$38,430--
Compensation and Service Providers
Top Officer Pay20th percentile

Board Members and Trustees

NameTitle
Webb McquiddyChairman
Tom HaleyVice Chairma
Allen CardenBoard Member
Jeff NeelyBoard Member
Patrice D DawsBoard Member
Tommy McewenBoard Member
Ed ChalifouxCEO & Sec/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$155,255
Investment Income
$48,694
Other Revenue
$10,964
Change in Net Assets
$-37,615
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$130,828
Other Expenses$121,700
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$80,154-$80,154
Pension Plan Contributions-$34,853-$34,853
Occupancy-$18,950-$18,950
Office Expenses-$18,909-$18,909
Interest-$12,585-$12,585
Other Employee Benefits-$9,497-$9,497
Payroll Taxes-$6,324-$6,324
Other Expenses-$846-$846
All Other Expenses-$754-$754
Total Functional Expenses$0$252,528$0$252,528
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$3,141,363
All Other Shares$867,730
Share Drafts$138,892
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 12C

“The board of directors monitor and enforce the conflict of interest policy.”

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
Pias Credit Union
EIN
62-0840518
Phone
6153609951
Address
305 PLUS PARK BLVD, NASHVILLE, TN 37217

Signing Officer

Name
Ed Chalifoux
Title
CEO & Sec/treasurer
Phone
6153609951
Signed
2018-04-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ed Chalifoux
Formed
1961
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
7

Preparer

Firm
Leverage the Lscu Service Corporation
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Hiram H Hollifield
Phone
2054372133
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 any unrelated business income.”

Form 990, Part XI, Line 9

“Loss on pension plan -28,171”

Form 990, Part XII

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

Raw XML Appendix362 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02050000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt138430
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1VCCU-PAID IN CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05789
IRS990ScheduleD/TotalBookValueSecuritiesAmt02088430
IRS990ScheduleD/TotalLiabilityAmt04147985
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS 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/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8LOSS ON PENSION PLAN -28,171
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ANNUAL 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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05152043
IRS990/TotalAssetsEOYAmt04710734
IRS990/TotalAssetsGrp/BOYAmt05152043
IRS990/TotalAssetsGrp/EOYAmt04710734
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0252528
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0252528
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04529409
IRS990/TotalLiabilitiesEOYAmt04153886
IRS990/TotalLiabilitiesGrp/BOYAmt04529409
IRS990/TotalLiabilitiesGrp/EOYAmt04153886
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0622634
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0556848
IRS990/TotalProgramServiceExpensesAmt0252528
IRS990/TotalProgramServiceRevenueAmt0155255
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0214913
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0214913
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05152043
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04710734
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0305 PLUS PARK BLVD
IRS990/USAddress/CityNm0NASHVILLE
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037217
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.PIASCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ED CHALIFOUX
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO & SEC/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06153609951
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PIAS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PIAS
ReturnHeader/Filer/EIN0620840518
ReturnHeader/Filer/PhoneNum06153609951
ReturnHeader/Filer/USAddress/AddressLine1Txt0305 PLUS PARK BLVD
ReturnHeader/Filer/USAddress/CityNm0NASHVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037217
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId06225844A9469B874AA6651EF4D5340F9A9EB90C8
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId06225844A9469B874AA6651EF4D5340F9A9EB90C8
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.205.135.252
ReturnHeader/FilingSecurityInformation/IPDt02018-04-25
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm015:09:57
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/PhoneNum02054372133
ReturnHeader/PreparerPersonGrp/PreparationDt02018-04-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HIRAM H HOLLIFIELD
ReturnHeader/ReturnTs02018-04-25T15:09:57-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$4,710,734
Liabilities
$4,153,886
Net assets
$556,848
Revenue
$214,913
Expenses
$252,528
Net income
-$37,615
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.04$3.27$0.77$0.19$0.18$0.00
2023Detailed filing. Detailed filing data is available for this year.$4.60$3.83$0.76$0.18$0.18$0.01
2022Detailed filing. Detailed filing data is available for this year.$5.13$4.36$0.76$0.18$0.21$0.03
2021Detailed filing. Detailed filing data is available for this year.$5.61$4.93$0.68$0.19$0.22$0.03
2020Detailed filing. Detailed filing data is available for this year.$5.31$4.74$0.57$0.19$0.22$0.02
2019Detailed filing. Detailed filing data is available for this year.$4.88$4.25$0.64$0.22$0.23$0.01
2018Detailed filing. Detailed filing data is available for this year.$4.96$4.36$0.60$0.21$0.23$0.02
2017Detailed filing. Detailed filing data is available for this year.$4.71$4.15$0.56$0.21$0.25$0.04
2016Detailed filing. Detailed filing data is available for this year.$5.15$4.53$0.62$0.25$0.27$0.02
2015Detailed filing. Detailed filing data is available for this year.$5.07$4.44$0.63$0.25$0.27$0.02
2014Detailed filing. Detailed filing data is available for this year.$5.29$4.65$0.64$0.27$0.26$0.01
2013Detailed filing. Detailed filing data is available for this year.$5.17$4.44$0.73$0.29$0.27$0.02
2012Summary only. Only limited summary data is available for this year.$4.86$4.16$0.69$0.32$0.35$0.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.93$4.15$0.78$0.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.73$3.83$0.90$0.45