Civic Intelligence

Ups Employees Credit Union

990 • Fiscal year 2015 • EIN 62-1092964

Jan 01, 2015 to Dec 31, 2015 • Filed on May 06, 2016

Organization ProfileWWW.UPSCU.ORG

View Organization Page

1814 East Brooks RoadMemphis, TN 38116

(901) 396-2132

Siviq Scores

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

Liabilities / Assets

17th percentile

0.78x

Higher debt load relative to assets than 17% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

14th percentile

11.18x

Higher debt load relative to revenue than 14% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

93rd percentile

23%

Higher net margin than 93% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

87th percentile

$106,811

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

85th percentile

8.7%

Faster asset growth than 85% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

80th percentile

6.5%

Faster revenue growth than 80% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$18,429,826

Up $1,467,293 (+8.7%) from 2014

Net Assets

Up

$4,040,748

Up $294,695 (+7.9%) from 2014

Liabilities

Up

$14,389,078

Up $1,172,598 (+8.9%) from 2014

Revenue And Expenses
Liabilities / Revenue14th percentileNet Margin93rd percentile

Revenue

Up

$1,286,700

Up $78,472 (+6.5%) from 2014

Expenses

Up

$992,005

Up $101,571 (+11%) from 2014

Net Income

Down

$294,695

Down $23,099 (-7.3%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

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

$60M$40M$20M$0Assets 2010: $12,672,647Liabilities 2010: $9,813,754Net Assets 2010: $2,858,8932010Assets 2011: $13,392,499Liabilities 2011: $10,401,577Net Assets 2011: $2,990,9222011Assets 2012: $14,414,644Liabilities 2012: $11,234,098Net Assets 2012: $3,180,5462012Assets 2013: $15,062,740Liabilities 2013: $11,634,481Net Assets 2013: $3,428,2592013Assets 2014: $16,962,533Liabilities 2014: $13,216,480Net Assets 2014: $3,746,0532014Assets 2015: $18,429,826Liabilities 2015: $14,389,078Net Assets 2015: $4,040,7482015Assets 2016: $20,482,361Liabilities 2016: $16,006,690Net Assets 2016: $4,475,6712016Assets 2017: $22,530,659Liabilities 2017: $17,620,478Net Assets 2017: $4,910,1812017Assets 2018: $24,465,204Liabilities 2018: $19,060,919Net Assets 2018: $5,404,2852018Assets 2019: $26,895,932Liabilities 2019: $20,927,215Net Assets 2019: $5,968,7172019Assets 2020: $32,861,428Liabilities 2020: $26,432,563Net Assets 2020: $6,428,8652020Assets 2021: $36,471,399Liabilities 2021: $29,491,471Net Assets 2021: $6,979,9282021Assets 2022: $37,942,626Liabilities 2022: $30,358,279Net Assets 2022: $7,584,3472022Assets 2023: $41,024,503Liabilities 2023: $32,763,156Net Assets 2023: $8,261,3472023Assets 2024: $40,699,866Liabilities 2024: $31,519,533Net Assets 2024: $9,180,3332024Assets 2025: $43,245,053Liabilities 2025: $33,043,874Net Assets 2025: $10,201,1792025

Highlighted filing

2015

Assets$18,429,826
Liabilities$14,389,078
Net Assets$4,040,748
Open 2015 Filing

Operations Trend

Revenue Growth80th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $696,6232010Revenue 2011: $828,112Expenses 2011: $696,084Net Income 2011: $132,0282011Expenses 2012: $700,0422012Revenue 2013: $1,023,295Expenses 2013: $775,582Net Income 2013: $247,7132013Revenue 2014: $1,208,228Expenses 2014: $890,434Net Income 2014: $317,7942014Revenue 2015: $1,286,700Expenses 2015: $992,005Net Income 2015: $294,6952015Revenue 2016: $1,424,453Expenses 2016: $989,531Net Income 2016: $434,9222016Revenue 2017: $1,507,226Expenses 2017: $1,072,715Net Income 2017: $434,5112017Revenue 2018: $1,663,832Expenses 2018: $1,169,729Net Income 2018: $494,1032018Revenue 2019: $1,826,856Expenses 2019: $1,262,422Net Income 2019: $564,4342019Revenue 2020: $1,745,632Expenses 2020: $1,285,485Net Income 2020: $460,1472020Revenue 2021: $1,852,587Expenses 2021: $1,301,523Net Income 2021: $551,0642021Revenue 2022: $2,135,124Expenses 2022: $1,530,705Net Income 2022: $604,4192022Revenue 2023: $2,671,623Expenses 2023: $1,844,622Net Income 2023: $827,0012023Revenue 2024: $3,038,030Expenses 2024: $2,119,044Net Income 2024: $918,9862024Revenue 2025: $3,217,301Expenses 2025: $2,196,456Net Income 2025: $1,020,8452025

Highlighted filing

2015

Revenue$1,286,700
Expenses$992,005
Net Income$294,695
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 6, 2016
Return Version
2015v2.1
Gross Receipts
$1,286,700
Mission and Program Overview

Mission

Credit union - to provide services for approximately 6,182 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$10,377,004$11,997,954▲ $1,620,950
Rtn Earn Endowment Incm Other Fnds$2,894,513$3,119,208▲ $224,695
Cash and Non-Interest-Bearing Accounts$2,193,256$2,191,623▼ $1,633
Investments Other Securities$1,926,412$1,925,372▼ $1,040
Prepaid Expenses and Deferred Charges$29,964$1,072,387▲ $1,042,423
Cap Stk Tr Prin Current Funds$851,540$921,540▲ $70,000
Land, Buildings, and Equipment, Net$574,681$561,251▼ $13,430
Savings and Temporary Cash Investments$1,729,233$497,000▼ $1,232,233
Total Assets$16,962,533$18,429,826▲ $1,467,293
Other Assets Total$131,983$184,239▲ $52,256
Liabilities
Other Liabilities$13,103,886$14,226,914▲ $1,123,028
Accounts Payable and Accrued Expenses$112,594$162,164▲ $49,570
Total Liabilities$13,216,480$14,389,078▲ $1,172,598
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,746,053$4,040,748▲ $294,695
Total Liabilities and Net Assets / Fund Balance$16,962,533$18,429,826▲ $1,467,293

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$435,322$56,903$492,225
Equipment$5,929$218,589$224,518
Land$120,000-$120,000
Other Securities$91,372--
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sarah LangstonManagerFT$91,161$15,650$106,811

Board Members and Trustees

NameTitle
James AustinChairman
Robert W HolobaughVice Chairma
Lawrence FosterBoard Direct
Katherine BrownSecretary
Jerry ThompsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,147,092
Investment Income
$73,572
Other Revenue
$66,036
Change in Net Assets
$294,695
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$536,996
Other Expenses$455,009
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$415,151-$415,151
Office Expenses-$124,646-$124,646
Interest-$57,744-$57,744
Other Employee Benefits-$51,640-$51,640
Pension Plan Contributions-$38,644-$38,644
Payroll Taxes-$31,561-$31,561
Occupancy-$19,837-$19,837
All Other Expenses-$18,874-$18,874
Other Expenses-$16,989-$16,989
Conferences and Meetings-$10,000-$10,000
Total Functional Expenses$0$992,005$0$992,005
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$11,207,830
All Other Shares$2,189,988
Share Drafts$829,096
Non-member Deposits-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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 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
Ups Employees Credit Union
EIN
62-1092964
Address
1814 EAST BROOKS ROAD, MEMPHIS, TN 38116

Signing Officer

Name
Sarah Langston
Title
Manager
Phone
9013962132
Signed
2016-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sarah Langston
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
8
Volunteers
5

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 without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union did not have any unrelated business income.”

Raw XML Appendix335 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/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBERSHIP CAPITAL-VCCU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0561251
IRS990ScheduleD/TotalBookValueSecuritiesAmt01925372
IRS990ScheduleD/TotalLiabilityAmt014226914
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 DID 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/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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt016962533
IRS990/TotalAssetsEOYAmt018429826
IRS990/TotalAssetsGrp/BOYAmt016962533
IRS990/TotalAssetsGrp/EOYAmt018429826
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0992005
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0992005
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013216480
IRS990/TotalLiabilitiesEOYAmt014389078
IRS990/TotalLiabilitiesGrp/BOYAmt013216480
IRS990/TotalLiabilitiesGrp/EOYAmt014389078
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03746053
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04040748
IRS990/TotalOtherCompensationAmt015650
IRS990/TotalProgramServiceRevenueAmt01147092
IRS990/TotalReportableCompFromOrgAmt091161
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01286700
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01286700
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016962533
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018429826
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01943 ENGEL COVE
IRS990/USAddress/CityNm0HERNANDO
IRS990/USAddress/StateAbbreviationCd0MS
IRS990/USAddress/ZIPCd038632
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.UPSCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SARAH LANGSTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09013962132
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UPS EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UPSE
ReturnHeader/Filer/EIN0621092964
ReturnHeader/Filer/USAddress/AddressLine1Txt01814 EAST BROOKS ROAD
ReturnHeader/Filer/USAddress/CityNm0MEMPHIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd038116
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/PreparationDt02016-05-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH T MCMURTRIE
ReturnHeader/ReturnTs02016-05-09T14:04:49-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$18,429,826
Liabilities
$14,389,078
Net assets
$4,040,748
Revenue
$1,286,700
Expenses
$992,005
Net income
$294,695
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$43.2$33.0$10.2$3.22$2.20$1.02
2024Detailed filing. Detailed filing data is available for this year.$40.7$31.5$9.18$3.04$2.12$0.92
2023Detailed filing. Detailed filing data is available for this year.$41.0$32.8$8.26$2.67$1.84$0.83
2022Detailed filing. Detailed filing data is available for this year.$37.9$30.4$7.58$2.14$1.53$0.60
2021Detailed filing. Detailed filing data is available for this year.$36.5$29.5$6.98$1.85$1.30$0.55
2020Detailed filing. Detailed filing data is available for this year.$32.9$26.4$6.43$1.75$1.29$0.46
2019Detailed filing. Detailed filing data is available for this year.$26.9$20.9$5.97$1.83$1.26$0.56
2018Detailed filing. Detailed filing data is available for this year.$24.5$19.1$5.40$1.66$1.17$0.49
2017Detailed filing. Detailed filing data is available for this year.$22.5$17.6$4.91$1.51$1.07$0.43
2016Detailed filing. Detailed filing data is available for this year.$20.5$16.0$4.48$1.42$0.99$0.43
2015Detailed filing. Detailed filing data is available for this year.$18.4$14.4$4.04$1.29$0.99$0.29
2014Detailed filing. Detailed filing data is available for this year.$17.0$13.2$3.75$1.21$0.89$0.32
2013Detailed filing. Detailed filing data is available for this year.$15.1$11.6$3.43$1.02$0.78$0.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.4$11.2$3.18$0.70
2011Summary only. Only limited summary data is available for this year.$13.4$10.4$2.99$0.83$0.70$0.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.7$9.81$2.86$0.70
Peer Organizations

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