Civic Intelligence

Employees Credit Union

990 • Fiscal year 2014 • EIN 62-6042135

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 20, 2015

Organization ProfileN/A

View Organization Page

1415 Murfreesboro PikeNashville, TN 37217

(615) 367-7283

Siviq Scores

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

Liabilities / Assets

16th percentile

0.82x

Higher debt load relative to assets than 16% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

62nd percentile

21.68x

Higher debt load relative to revenue than 62% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

36th percentile

4.0%

Higher net margin than 36% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

85th percentile

$133,468

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 11.4% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

49th percentile

1.5%

Faster asset growth than 49% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

14th percentile

-7.0%

Faster revenue growth than 14% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets16th percentile

Assets

Up

$30,907,937

Up $465,422 (+1.5%) from 2013

Net Assets

Up

$5,419,402

Up $46,947 (+0.9%) from 2013

Liabilities

Up

$25,488,535

Up $418,475 (+1.7%) from 2013

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin36th percentile

Revenue

Down

$1,175,579

Down $88,611 (-7.0%) from 2013

Expenses

Down

$1,128,632

Down $68,452 (-5.7%) from 2013

Net Income

Down

$46,947

Down $20,159 (-30%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

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

$40M$30M$20M$10M$0Assets 2010: $27,224,153Liabilities 2010: $22,135,274Net Assets 2010: $5,088,8792010Assets 2011: $28,505,262Liabilities 2011: $23,326,162Net Assets 2011: $5,179,1002011Assets 2012: $30,229,425Liabilities 2012: $24,924,076Net Assets 2012: $5,305,3492012Assets 2013: $30,442,515Liabilities 2013: $25,070,060Net Assets 2013: $5,372,4552013Assets 2014: $30,907,937Liabilities 2014: $25,488,535Net Assets 2014: $5,419,4022014Assets 2015: $30,271,038Liabilities 2015: $24,816,098Net Assets 2015: $5,454,9402015

Highlighted filing

2014

Assets$30,907,937
Liabilities$25,488,535
Net Assets$5,419,402
Open 2014 Filing

Operations Trend

Revenue Growth14th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,532,2642010Expenses 2011: $1,375,1292011Expenses 2012: $1,220,0812012Revenue 2013: $1,264,190Expenses 2013: $1,197,084Net Income 2013: $67,1062013Revenue 2014: $1,175,579Expenses 2014: $1,128,632Net Income 2014: $46,9472014Revenue 2015: $1,092,737Expenses 2015: $1,057,199Net Income 2015: $35,5382015

Highlighted filing

2014

Revenue$1,175,579
Expenses$1,128,632
Net Income$46,947
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 20, 2015
Return Version
2014v5.0
Gross Receipts
$1,175,579
Mission and Program Overview

Mission

Provision of credit union services

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$17,537,620$18,034,996▲ $497,376
Other Notes and Loans Receivable, Net$10,290,499$9,190,890▼ $1,099,609
Rtn Earn Endowment Incm Other Fnds$5,372,455$5,419,402▲ $46,947
Savings and Temporary Cash Investments$668,328$1,861,919▲ $1,193,591
Cash and Non-Interest-Bearing Accounts$458,002$781,777▲ $323,775
Receivables From Officers Etc$719,576$247,214▼ $472,362
Land, Buildings, and Equipment, Net$40,980$37,583▼ $3,397
Total Assets$30,442,515$30,907,937▲ $465,422
Other Assets Total$727,510$753,558▲ $26,048
Liabilities
Other Liabilities$24,829,374$25,052,417▲ $223,043
Accounts Payable and Accrued Expenses$240,686$436,118▲ $195,432
Total Liabilities$25,070,060$25,488,535▲ $418,475
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,372,455$5,419,402▲ $46,947
Total Liabilities and Net Assets / Fund Balance$30,442,515$30,907,937▲ $465,422

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$37,583$526,254-
Other Assets Org$60,299--
Other Securities$18,034,996--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Phillip ElamCEO/TreasurerFT$133,468$133,468
Bruce RhodesVP LoansFT$58,387$58,387
Micahel PittmanCFOFT$57,714$57,714
Ron GibsonKey mgt employeeFT$55,222$55,222

Board Members and Trustees

NameTitle
Matt JohnsonChairman
Tim BaxterVice Chairman
Frank FoxBoard Mbr
Jeff OrtonOfficial
John ClinardOfficial
Chris MyrickSec/asst Tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$636,172
Investment Income
$0
Other Revenue
$539,407
Change in Net Assets
$46,947

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,175,579
Total Revenue per Audited Statements
$1,175,579
Total Revenue per Form 990
$1,175,579
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$617,935
Other Expenses$510,697
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$343,255$0$0$343,255
Other Salaries and Wages$274,680$0$0$274,680
Other Expenses$56,042$0$0$56,042
Total Functional Expenses$1,128,632$0$0$1,128,632

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,128,632
Total Expenses per Audited Statements$1,128,632
Total Expenses per Form 990$1,128,632
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$719,576$247,214▼ $472,362
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Deposits$25,052,417
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
Employees Credit Union
EIN
62-6042135
Phone
6153677283
Address
1415 MURFREESBORO PIKE, NASHVILLE, TN 37217

Signing Officer

Name
Phil Elam
Title
Chief Executive Officer
Phone
6153677283
Signed
2015-10-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Phil Elam
Formed
1957
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
10
Volunteers
7

Preparer

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

Additional Explanations

Pt VI, Line 6

“CU MEMBERSHIP”

Pt VI, Line 7A

“CU MEMBERSHIP”

Pt VI, Line 11B

“CU BOARD RVW”

Pt VI, Line 12C

“CU BD RVW”

Pt VI, Line 15A

“COMPENSATION COMMITTEE”

Pt VI, Line 15B

“COMENSATION COMMITTEE”

Raw XML Appendix395 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt011148
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1230280
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt25786
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUT0
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1R.E.
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt012298
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1285134
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt225900
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0CHRIS MYRICK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1FRANK FOX
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2MICHAEL PITTMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CFO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt0247214
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CU MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CU MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CU BOARD RVW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CU BD RVW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMENSATION COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030442515
IRS990/TotalAssetsEOYAmt030907937
IRS990/TotalAssetsGrp/BOYAmt030442515
IRS990/TotalAssetsGrp/EOYAmt030907937
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01128632
IRS990/TotalFunctionalExpensesGrp/TotalAmt01128632
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt025070060
IRS990/TotalLiabilitiesEOYAmt025488535
IRS990/TotalLiabilitiesGrp/BOYAmt025070060
IRS990/TotalLiabilitiesGrp/EOYAmt025488535
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05372455
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05419402
IRS990/TotalProgramServiceRevenueAmt0636172
IRS990/TotalReportableCompFromOrgAmt0304791
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01175579
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01175579
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030442515
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt030907937
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01415 Murfreesboro Rd
IRS990/USAddress/CityNm0Nashville
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037217
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0PHIL ELAM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF EXECUTIVE OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum06153677283
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-10-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EMPL
ReturnHeader/Filer/EIN0626042135
ReturnHeader/Filer/PhoneNum06153677283
ReturnHeader/Filer/USAddress/AddressLine1Txt01415 MURFREESBORO PIKE
ReturnHeader/Filer/USAddress/CityNm0NASHVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MILTON G ANDERSON CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0211 DONELSON PIKE STE 113
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NASHVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0372142929
ReturnHeader/PreparerPersonGrp/PhoneNum06158710290
ReturnHeader/PreparerPersonGrp/PreparationDt02015-11-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MILTON G ANDERSON CPA
ReturnHeader/ReturnTs02015-11-14T08:36:45-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$30,907,937
Liabilities
$25,488,535
Net assets
$5,419,402
Revenue
$1,175,579
Expenses
$1,128,632
Net income
$46,947
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$30.3$24.8$5.45$1.09$1.06$0.04
2014Detailed filing. Detailed filing data is available for this year.$30.9$25.5$5.42$1.18$1.13$0.05
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.4$25.1$5.37$1.26$1.20$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$24.9$5.31$1.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.5$23.3$5.18$1.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.2$22.1$5.09$1.53