Civic Intelligence

Meded Credit Union

EIN 62-6051718 • 501(c)14 • Crossville, TN

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Profile

Credit union - to provide services for approximately 1,989 members in the form of loans, savings, and other financial services.

P O Box 529Crossville, TN 38557
Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2014

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2014

Net Margin

67th percentile

-25%

Higher net margin than 67% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2014

Top Officer Pay

44th percentile

$16,156

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 9.5% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2014

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

19th percentile

-77%

Faster revenue growth than 19% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $12,716,028 (-100%) from 2013

Liabilities

Down

$0

Down $11,761,901 (-100%) from 2013

Net Assets

Down

$0

Down $954,127 (-100%) from 2013

Operations
Liabilities / Revenue96th percentileNet Margin67th percentile

Revenue

Down

$169,594

Down $573,748 (-77%) from 2013

Expenses

Down

$212,765

Down $725,598 (-77%) from 2013

Net Income

Up

-$43,171

Up $151,850 (+78%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$15M$10M$5.0M$0Assets 2010: $12,367,930Liabilities 2010: $11,261,326Net Assets 2010: $1,106,6042010Assets 2011: $12,194,937Liabilities 2011: $11,061,051Net Assets 2011: $1,133,8862011Assets 2012: $12,740,784Liabilities 2012: $11,591,635Net Assets 2012: $1,149,1492012Assets 2013: $12,716,028Liabilities 2013: $11,761,901Net Assets 2013: $954,1272013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2014

Assets$0
Liabilities$0
Net Assets$0
Open 2014 Filing

Operations Trend

Revenue Growth19th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $880,0622010Revenue 2011: $892,414Expenses 2011: $865,132Net Income 2011: $27,2822011Expenses 2012: $790,3002012Revenue 2013: $743,342Expenses 2013: $938,363Net Income 2013: -$195,0212013Revenue 2014: $169,594Expenses 2014: $212,765Net Income 2014: -$43,1712014

Highlighted filing

2014

Revenue$169,594
Expenses$212,765
Net Income-$43,171
Open 2014 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$169,594
Expenses
$212,765
Net income
-$43,171
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.17$0.21$0.04
2013Detailed filing. Detailed filing data is available for this year.$12.7$11.8$0.95$0.74$0.94$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.7$11.6$1.15$0.79
2011Summary only. Only limited summary data is available for this year.$12.2$11.1$1.13$0.89$0.87$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$11.3$1.11$0.88
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 15, 2015
Return Version
2014v5.0
Gross Receipts
$169,594
Mission and Program Overview

Mission

Credit union - to provide services for approximately 1,989 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$8,504,258--
Cash and Non-Interest-Bearing Accounts$2,714,760--
Cap Stk Tr Prin Current Funds$830,160--
Savings and Temporary Cash Investments$690,000--
Land, Buildings, and Equipment, Net$525,158--
Rtn Earn Endowment Incm Other Fnds$123,967--
Investments Other Securities$88,401--
Prepaid Expenses and Deferred Charges$37,470--
Total Assets$12,716,028$0▼ $12,716,028
Other Assets Total$155,981--
Liabilities
Other Liabilities$11,713,662--
Accounts Payable and Accrued Expenses$48,239--
Total Liabilities$11,761,901$0▼ $11,761,901
Net Assets / Fund Balance
Total Net Assets Fund Balance$954,127$0▼ $954,127
Total Liabilities and Net Assets / Fund Balance$12,716,028$0▼ $12,716,028
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Christy H DolinichPresident/ceFT$16,156$16,156

Board Members and Trustees

NameTitle
Herschel MurnerBoard Chairm
Anthony KingBoard Direct
James InmanBoard Direct
Nancy HyderBoard Direct
Regina RandolphBoard Vice-c
Susan SwaffordSecretary
Nancy Kaye RandolphSupervisor C
Audrey AkinsSupervisory
Tony BrockTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$167,493
Investment Income
$2,101
Other Revenue
$0
Change in Net Assets
$-43,171
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$125,186
Salaries, Compensation, and Employee Benefits$87,579
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$67,564-$67,564
Occupancy-$46,677-$46,677
Office Expenses-$27,368-$27,368
Other Employee Benefits-$10,605-$10,605
Interest-$9,681-$9,681
Payroll Taxes-$5,879-$5,879
Pension Plan Contributions-$3,531-$3,531
Other Expenses-$2,477-$2,477
All Other Expenses-$1,465-$1,465
Conferences and Meetings-$385-$385
Total Functional Expenses$0$212,765$0$212,765
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
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
Meded Credit Union
EIN
62-6051718
Phone
9314849433
Address
P O BOX 529, CROSSVILLE, TN 38557

Signing Officer

Name
Denise Cooper
Title
President/CEO
Phone
9314849433
Signed
2015-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Denise Cooper
Formed
1971
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
9

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 and supervisory committee 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

“Dispostion of assets 910,956 meded credit union merged with upper cumberland federal credit union.”

Form 990, Part XII

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

Raw XML Appendix355 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/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/ExplanationTxt7DISPOSTION OF ASSETS 910,956 MEDED CREDIT UNION MERGED WITH UPPER CUMBERLAND FEDERAL CREDIT UNION.
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt012716028
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt012716028
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0212765
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0212765
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt011761901
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt011761901
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0954127
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceExpensesAmt0212765
IRS990/TotalProgramServiceRevenueAmt0167493
IRS990/TotalReportableCompFromOrgAmt016156
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0169594
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0169594
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012716028
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 529
IRS990/USAddress/CityNm0CROSSVILLE
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd038557
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DENISE COOPER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09314849433
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MEDED CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MEDE
ReturnHeader/Filer/EIN0626051718
ReturnHeader/Filer/PhoneNum09314849433
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 529
ReturnHeader/Filer/USAddress/CityNm0CROSSVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd038557
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/PreparationDt02015-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH T MCMURTRIE
ReturnHeader/ReturnTs02015-05-15T16:22:08-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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