Civic Intelligence

Lifeway Credit Union

990 • Fiscal year 2015 • EIN 62-6041064

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

Organization ProfileN/A

View Organization Page

One Lifeway PlazaNashville, TN 37234

(615) 251-2091

Siviq Scores

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

Liabilities / Assets

56th percentile

0.89x

Higher debt load relative to assets than 56% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

67th percentile

23.19x

Higher debt load relative to revenue than 67% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

1st percentile

-38%

Higher net margin than 1% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

69th percentile

$114,092

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 6.2% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

14th percentile

-1.7%

Faster asset growth than 14% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

93rd percentile

14%

Faster revenue growth than 93% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets56th percentile

Assets

Down

$48,054,345

Down $807,299 (-1.7%) from 2014

Net Assets

Down

$5,460,653

Down $697,263 (-11%) from 2014

Liabilities

Down

$42,593,692

Down $110,036 (-0.3%) from 2014

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin1st percentile

Revenue

Up

$1,837,080

Up $228,153 (+14%) from 2014

Expenses

Up

$2,531,448

Up $1,210,936 (+92%) from 2014

Net Income

Down

-$694,368

Down $982,783 (-341%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth14th percentile

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

$60M$40M$20M$0Assets 2010: $42,690,153Liabilities 2010: $37,353,546Net Assets 2010: $5,336,6072010Assets 2011: $45,217,033Liabilities 2011: $39,666,668Net Assets 2011: $5,550,3652011Assets 2012: $48,578,019Liabilities 2012: $42,785,359Net Assets 2012: $5,792,6602012Assets 2013: $47,944,923Liabilities 2013: $42,084,590Net Assets 2013: $5,860,3332013Assets 2014: $48,861,644Liabilities 2014: $42,703,728Net Assets 2014: $6,157,9162014Assets 2015: $48,054,345Liabilities 2015: $42,593,692Net Assets 2015: $5,460,6532015Assets 2016: $46,107,685Liabilities 2016: $41,730,771Net Assets 2016: $4,376,9142016Assets 2017: $43,817,851Liabilities 2017: $39,311,418Net Assets 2017: $4,506,4332017Assets 2018: $43,679,291Liabilities 2018: $39,027,173Net Assets 2018: $4,652,1182018Assets 2019: $43,521,400Liabilities 2019: $38,810,706Net Assets 2019: $4,710,6942019Assets 2020: $47,267,745Liabilities 2020: $42,560,602Net Assets 2020: $4,707,1432020Assets 2021: $47,682,396Liabilities 2021: $43,217,094Net Assets 2021: $4,465,3022021Assets 2022: $42,251,248Liabilities 2022: $38,237,112Net Assets 2022: $4,014,1362022Assets 2023: $38,532,997Liabilities 2023: $35,006,128Net Assets 2023: $3,526,8692023Assets 2024: $37,971,210Liabilities 2024: $34,669,660Net Assets 2024: $3,301,5502024

Highlighted filing

2015

Assets$48,054,345
Liabilities$42,593,692
Net Assets$5,460,653
Open 2015 Filing

Operations Trend

Revenue Growth93rd percentile

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

$3.0M$2.0M$1.0M$0-$1.0M-$2.0MExpenses 2010: $1,548,5722010Expenses 2011: $1,510,5472011Expenses 2012: $1,443,7402012Revenue 2013: $1,546,231Expenses 2013: $1,439,088Net Income 2013: $107,1432013Revenue 2014: $1,608,927Expenses 2014: $1,320,512Net Income 2014: $288,4152014Revenue 2015: $1,837,080Expenses 2015: $2,531,448Net Income 2015: -$694,3682015Revenue 2016: $1,525,079Expenses 2016: $2,611,804Net Income 2016: -$1,086,7252016Revenue 2017: $1,425,190Expenses 2017: $1,345,019Net Income 2017: $80,1712017Revenue 2018: $1,605,788Expenses 2018: $1,479,776Net Income 2018: $126,0122018Revenue 2019: $1,711,632Expenses 2019: $1,653,056Net Income 2019: $58,5762019Revenue 2020: $1,626,571Expenses 2020: $1,607,561Net Income 2020: $19,0102020Revenue 2021: $1,242,004Expenses 2021: $1,483,845Net Income 2021: -$241,8412021Revenue 2022: $1,203,640Expenses 2022: $1,654,806Net Income 2022: -$451,1662022Revenue 2023: $1,445,218Expenses 2023: $1,812,740Net Income 2023: -$367,5222023Revenue 2024: $1,778,489Expenses 2024: $2,003,808Net Income 2024: -$225,3192024

Highlighted filing

2015

Revenue$1,837,080
Expenses$2,531,448
Net Income-$694,368
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 1, 2016
Return Version
2015v2.1
Gross Receipts
$1,837,080
Mission and Program Overview

Mission

Providing credit union services

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$22,644,815$23,291,920▲ $647,105
Other Notes and Loans Receivable, Net$23,424,570$19,793,495▼ $3,631,075
Rtn Earn Endowment Incm Other Fnds$6,157,916$5,460,653▼ $697,263
Savings and Temporary Cash Investments$443,630$2,798,516▲ $2,354,886
Cash and Non-Interest-Bearing Accounts$900,279$746,132▼ $154,147
Receivables From Officers Etc$498,479$505,309▲ $6,830
Prepaid Expenses and Deferred Charges$58,144$56,820▼ $1,324
Land, Buildings, and Equipment, Net$45,675$46,772▲ $1,097
Total Assets$48,861,644$48,054,345▼ $807,299
Other Assets Total$846,052$815,381▼ $30,671
Liabilities
Other Liabilities$42,551,139$42,358,659▼ $192,480
Accounts Payable and Accrued Expenses$152,589$235,033▲ $82,444
Total Liabilities$42,703,728$42,593,692▼ $110,036
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,157,916$5,460,653▼ $697,263
Total Liabilities and Net Assets / Fund Balance$48,861,644$48,054,345▼ $807,299

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$46,772$284,798$331,570
Other Assets Org$101,882--
Other Securities$5,308,920--
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Wade StapletonCEO/managerFT$114,092$114,092

Board Members and Trustees

NameTitle
Amy ThompsonBoard Mbr
Jim ForresterBoard Mbr
David ChandlerBoard Mbr.
John GardnerBoard member
Anglea CainBoard Secy.
Blank LineBlank Line
Art TennilleOfficial
Donnie BaldwinOfficial
Mike PuckettOfficial
Royce ArmstrongOfficial
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,444,275
Investment Income
$211,433
Other Revenue
$181,372
Change in Net Assets
$-694,368

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,837,080
Total Revenue per Audited Statements
$1,837,080
Total Revenue per Form 990
$1,837,080
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,952,366
Salaries, Compensation, and Employee Benefits$579,082
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$321,729$0$0$321,729
Other Salaries and Wages$257,353$0$0$257,353
Other Expenses$52,152$0$0$52,152
Depreciation Depletion$17,946$0$0$17,946
Total Functional Expenses$2,531,448$0$0$2,531,448

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,531,448
Total Expenses per Audited Statements$2,531,448
Total Expenses per Form 990$2,531,448
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$498,479$505,309▲ $6,830
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$42,358,659
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Lifeway Credit Union
EIN
62-6041064
Phone
6152512091
Address
ONE LIFEWAY PLAZA, NASHVILLE, TN 37234

Signing Officer

Name
David Chandler
Title
Chairman
Phone
6152512091
Signed
2016-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Emmett Wood
Formed
1957
Legal Domicile
Tn
Voting Board Members
9
Independent Board Members
9
Employees
11
Volunteers
9

Preparer

Firm
Mcclarty Beaubien Pllc
Address
211 DONELSON PIKE STE 113, NASHVILLE, TN 37214-2929
Preparer
Milton G Anderson CPA
Phone
6158710290
Supplemental Narrative

Additional Explanations

Pt VI, Line 10B

“CU MBR SHIP”

Pt VI, Line 11B

“BOARD MEETINGS”

Pt VI, Line 12C

“BOARD MEETINGS”

Pt VI, Line 15A

“COMPENSATION COMMITTEE”

Pt VI, Line 15B

“COMPENSATION COMMITTEE”

Pt XI

“Net change in unrealized gain on investments”

Pt VI, Line 19

“POSTING IN CU LOBBY”

Pt XI

“Adjustment for change in unrealized gain/(loss) afs securities”

Pt VI, Line 7A

“PER BOARD”

Raw XML AppendixShowing 400 of 550 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/Desc0HTM INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1AFS SECURITIES
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6R.E
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9R.E.
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt13AUTO
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt15SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt16AUTO
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt448826
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt713079
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt980350

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$48,054,345
Liabilities
$42,593,692
Net assets
$5,460,653
Revenue
$1,837,080
Expenses
$2,531,448
Net income
-$694,368
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$38.0$34.7$3.30$1.78$2.00$0.23
2023Detailed filing. Detailed filing data is available for this year.$38.5$35.0$3.53$1.45$1.81$0.37
2022Detailed filing. Detailed filing data is available for this year.$42.3$38.2$4.01$1.20$1.65$0.45
2021Detailed filing. Detailed filing data is available for this year.$47.7$43.2$4.47$1.24$1.48$0.24
2020Detailed filing. Detailed filing data is available for this year.$47.3$42.6$4.71$1.63$1.61$0.02
2019Detailed filing. Detailed filing data is available for this year.$43.5$38.8$4.71$1.71$1.65$0.06
2018Detailed filing. Detailed filing data is available for this year.$43.7$39.0$4.65$1.61$1.48$0.13
2017Detailed filing. Detailed filing data is available for this year.$43.8$39.3$4.51$1.43$1.35$0.08
2016Detailed filing. Detailed filing data is available for this year.$46.1$41.7$4.38$1.53$2.61$1.09
2015Detailed filing. Detailed filing data is available for this year.$48.1$42.6$5.46$1.84$2.53$0.69
2014Detailed filing. Detailed filing data is available for this year.$48.9$42.7$6.16$1.61$1.32$0.29
2013Detailed filing. Detailed filing data is available for this year.$47.9$42.1$5.86$1.55$1.44$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.6$42.8$5.79$1.44
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.2$39.7$5.55$1.51
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.7$37.4$5.34$1.55
Peer Organizations

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