Civic Intelligence

Ustc Employees Credit Union

EIN 62-0907174 • 501(c)14 • Nashville, TN

Profile

Credit union - to provide services for approximately 472 members in the form of loans, savings, and othr financial services.

P O Box 331908Nashville, TN 37203
Siviq Scores

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

Liabilities / Assets

41st percentile

0.79x

Higher debt load relative to assets than 41% of similar nonprofits.

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

Liabilities / Revenue

49th percentile

10.19x

Higher debt load relative to revenue than 49% of similar nonprofits.

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

Net Margin

76th percentile

12%

Higher net margin than 76% of similar nonprofits.

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

Top Officer Pay

37th percentile

$29,732

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 20.3% of source-year revenue.

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

Asset Growth

62nd percentile

-5.5%

Faster asset growth than 62% of similar nonprofits.

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

Revenue Growth

62nd percentile

1.4%

Faster revenue growth than 62% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets41st percentile

Assets

Down

$1,894,068

Down $109,523 (-5.5%) from 2016

Liabilities

Down

$1,495,124

Down $126,638 (-7.8%) from 2016

Net Assets

Up

$398,944

Up $17,115 (+4.5%) from 2016

Operations
Liabilities / Revenue49th percentileNet Margin76th percentile

Revenue

Up

$146,715

Up $2,021 (+1.4%) from 2016

Expenses

Up

$129,597

Up $13,395 (+12%) from 2016

Net Income

Down

$17,118

Down $11,374 (-40%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $1,811,111Liabilities 2010: $1,635,234Net Assets 2010: $175,8772010Assets 2011: $2,086,013Liabilities 2011: $1,886,879Net Assets 2011: $199,1342011Assets 2012: $1,912,571Liabilities 2012: $1,693,999Net Assets 2012: $218,5722012Assets 2013: $2,278,118Liabilities 2013: $2,038,820Net Assets 2013: $239,2982013Assets 2014: $1,801,132Liabilities 2014: $1,505,614Net Assets 2014: $295,5182014Assets 2015: $2,022,787Liabilities 2015: $1,664,450Net Assets 2015: $358,3372015Assets 2016: $2,003,591Liabilities 2016: $1,621,762Net Assets 2016: $381,8292016Assets 2017: $1,894,068Liabilities 2017: $1,495,124Net Assets 2017: $398,9442017

Highlighted filing

2017

Assets$1,894,068
Liabilities$1,495,124
Net Assets$398,944
Open 2017 Filing

Operations Trend

Revenue Growth62nd percentile

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

$200K$150K$100K$50K$0Expenses 2010: $94,3762010Expenses 2011: $77,3252011Expenses 2012: $112,7932012Revenue 2013: $146,279Expenses 2013: $125,554Net Income 2013: $20,7252013Revenue 2014: $158,721Expenses 2014: $104,885Net Income 2014: $53,8362014Revenue 2015: $152,147Expenses 2015: $89,327Net Income 2015: $62,8202015Revenue 2016: $144,694Expenses 2016: $116,202Net Income 2016: $28,4922016Revenue 2017: $146,715Expenses 2017: $129,597Net Income 2017: $17,1182017

Highlighted filing

2017

Revenue$146,715
Expenses$129,597
Net Income$17,118
Open 2017 Filing

Filings

Most recent year

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

Open filing
Assets
$1,894,068
Liabilities
$1,495,124
Net assets
$398,944
Revenue
$146,715
Expenses
$129,597
Net income
$17,118
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$1.89$1.50$0.40$0.15$0.13$0.02
2016Detailed filing. Detailed filing data is available for this year.$2.00$1.62$0.38$0.14$0.12$0.03
2015Detailed filing. Detailed filing data is available for this year.$2.02$1.66$0.36$0.15$0.09$0.06
2014Detailed filing. Detailed filing data is available for this year.$1.80$1.51$0.30$0.16$0.10$0.05
2013Detailed filing. Detailed filing data is available for this year.$2.28$2.04$0.24$0.15$0.13$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.91$1.69$0.22$0.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.09$1.89$0.20$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.81$1.64$0.18$0.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 4, 2018
Return Version
2017v2.3
Gross Receipts
$146,715
Mission and Program Overview

Mission

Credit union - to provide services for approximately 472 members in the form of loans, savings, and othr financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$1,503,108$1,737,341▲ $234,233
Savings and Temporary Cash Investments$336,625--
Rtn Earn Endowment Incm Other Fnds$301,209$318,324▲ $17,115
Cash and Non-Interest-Bearing Accounts$98,366$131,960▲ $33,594
Cap Stk Tr Prin Current Funds$80,620$80,620→ $0
Investments Other Securities$12,671$16,077▲ $3,406
Land, Buildings, and Equipment, Net$9,257$5,574▼ $3,683
Prepaid Expenses and Deferred Charges$26,994$3,116▼ $23,878
Total Assets$2,003,591$1,894,068▼ $109,523
Other Assets Total$16,570--
Liabilities
Other Liabilities$1,609,655$1,427,238▼ $182,417
Accounts Payable and Accrued Expenses$12,107$67,886▲ $55,779
Total Liabilities$1,621,762$1,495,124▼ $126,638
Net Assets / Fund Balance
Total Net Assets Fund Balance$381,829$398,944▲ $17,115
Total Liabilities and Net Assets / Fund Balance$2,003,591$1,894,068▼ $109,523

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,574$48,461$54,035
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jewell Marie KirbyManagerFT$29,732$29,732
Marsha Lynn GillihanAsst OfficeFT$20,895$20,895

Board Members and Trustees

NameTitle
Dana C HurtPresident
Connie AndersonManager
Susan F JacksonSecretary
Bobby HatfieldTreasurer
Kenneth D DayVice Preside
Deborah GauntVice-preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$145,528
Investment Income
$602
Other Revenue
$585
Change in Net Assets
$17,118
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$75,190
Salaries, Compensation, and Employee Benefits$54,407
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$50,626-$50,626
Office Expenses-$27,955-$27,955
All Other Expenses-$5,407-$5,407
Interest-$4,135-$4,135
Payroll Taxes-$3,781-$3,781
Other Expenses-$3,010-$3,010
Conferences and Meetings-$2,451-$2,451
Total Functional Expenses$0$129,597$0$129,597
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$1,379,050
All Other Shares$48,188
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
Ustc Employees Credit Union
EIN
62-0907174
Phone
6158804799
Address
P O BOX 331908, NASHVILLE, TN 37203

Signing Officer

Name
Connie Anderson
Title
Manager
Phone
6158834019
Signed
2018-05-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Connie Anderson
Formed
1973
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
5

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

“DUE TO ROUNDING -3”

Form 990, Part XII

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

Raw XML Appendix351 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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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/ExplanationTxt6FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DUE TO ROUNDING -3
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
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IRS990/USAddress/AddressLine1Txt03904 CENTRAL PIKE
IRS990/USAddress/CityNm0HERMITAGE
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ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CONNIE ANDERSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum06158834019
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0USTC EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0USTC
ReturnHeader/Filer/EIN0620907174
ReturnHeader/Filer/PhoneNum06158804799
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 331908
ReturnHeader/Filer/USAddress/CityNm0NASHVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId06225844A9469B874AA6651EF4D5340F9A9EB90C8
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId07647DFCA2A6E3834CC375D817C9B2B27B515C483
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.205.135.252
ReturnHeader/FilingSecurityInformation/IPDt02018-05-11
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm014:37:08
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/PreparationDt02018-05-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HIRAM H HOLLIFIELD
ReturnHeader/ReturnTs02018-05-11T14:37:08-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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