Civic Intelligence

Pathway Credit Union

990 • Fiscal year 2013 • EIN 62-6081645

Jan 01, 2013 to Dec 31, 2013 • Filed on May 12, 2014

Organization ProfileWWW.PATHWAYCREDIT.COM
2751 Commerce Drive37320

(423) 479-2168

Siviq Scores

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

Liabilities / Assets

71st percentile

0.89x

Higher debt load relative to assets than 71% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

67th percentile

21.66x

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

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

40th percentile

0.3%

Higher net margin than 40% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

91st percentile

$82,269

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 37.7% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

55th percentile

1.3%

Faster asset growth than 55% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets71st percentile

Assets

Flat

$5,317,098

Flat from 2013

Net Assets

Flat

$585,164

Flat from 2013

Liabilities

Flat

$4,731,934

Flat from 2013

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin40th percentile

Revenue

Flat

$218,439

Flat from 2013

Expenses

Flat

$217,866

Flat from 2013

Net Income

Flat

$573

Flat from 2013

Historical Trend

Balance Sheet Trend

Asset Growth55th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $5,351,423Liabilities 2010: $4,768,290Net Assets 2010: $583,1332010Assets 2011: $5,196,874Liabilities 2011: $4,613,379Net Assets 2011: $583,4952011Assets 2012: $5,250,899Liabilities 2012: $4,666,387Net Assets 2012: $584,5122012Assets 2013: $5,317,098Liabilities 2013: $4,731,934Net Assets 2013: $585,1642013Assets 2013: $5,317,098Liabilities 2013: $4,731,934Net Assets 2013: $585,1642013Assets 2014: $5,030,677Liabilities 2014: $4,498,456Net Assets 2014: $532,2212014Assets 2015: $4,886,921Liabilities 2015: $4,374,013Net Assets 2015: $512,9082015Assets 2016: $4,945,121Liabilities 2016: $4,441,092Net Assets 2016: $504,0292016Assets 2017: $5,180,315Liabilities 2017: $4,675,542Net Assets 2017: $504,7732017Assets 2018: $5,058,152Liabilities 2018: $4,569,924Net Assets 2018: $488,2282018Assets 2019: $4,834,229Liabilities 2019: $4,444,063Net Assets 2019: $390,1662019Assets 2020: $6,494,509Liabilities 2020: $6,036,406Net Assets 2020: $458,1032020Assets 2021: $6,625,671Liabilities 2021: $6,219,605Net Assets 2021: $406,0662021Assets 2022: $5,693,878Liabilities 2022: $5,366,440Net Assets 2022: $327,4382022Assets 2023: $6,398,724Liabilities 2023: $6,029,704Net Assets 2023: $369,0202023

Highlighted filing

2013

Assets$5,317,098
Liabilities$4,731,934
Net Assets$585,164
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2010: $262,0302010Expenses 2011: $243,2662011Expenses 2012: $234,8662012Revenue 2013: $218,439Expenses 2013: $217,866Net Income 2013: $5732013Revenue 2013: $218,439Expenses 2013: $217,866Net Income 2013: $5732013Revenue 2014: $200,594Expenses 2014: $253,540Net Income 2014: -$52,9462014Revenue 2015: $191,269Expenses 2015: $210,582Net Income 2015: -$19,3132015Revenue 2016: $191,884Expenses 2016: $200,764Net Income 2016: -$8,8802016Revenue 2017: $186,902Expenses 2017: $186,158Net Income 2017: $7442017Revenue 2018: $204,053Expenses 2018: $220,597Net Income 2018: -$16,5442018Revenue 2019: $193,896Expenses 2019: $291,958Net Income 2019: -$98,0622019Revenue 2020: $367,718Expenses 2020: $299,780Net Income 2020: $67,9382020Revenue 2021: $405,572Expenses 2021: $448,272Net Income 2021: -$42,7002021Revenue 2022: $317,617Expenses 2022: $302,782Net Income 2022: $14,8352022Revenue 2023: $355,239Expenses 2023: $317,780Net Income 2023: $37,4592023

Highlighted filing

2013

Revenue$218,439
Expenses$217,866
Net Income$573
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 12, 2014
Return Version
2013v3.1
Gross Receipts
$218,439
Mission and Program Overview

Mission

Credit union-to provide services for approximately 931 members in the form of loans, savings, and other financial services.

Credit union-to provide services for approximately 1,153 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$2,575,199$2,383,494▼ $191,705
Savings and Temporary Cash Investments$2,049,482$2,348,835▲ $299,353
Rtn Earn Endowment Incm Other Fnds$406,754$404,411▼ $2,343
Cash and Non-Interest-Bearing Accounts$336,630$300,371▼ $36,259
Cap Stk Tr Prin Current Funds$177,758$180,753▲ $2,995
Land, Buildings, and Equipment, Net$181,295$177,914▼ $3,381
Investments Other Securities$38,785$38,785→ $0
Prepaid Expenses and Deferred Charges$13,593$14,486▲ $893
Total Assets$5,250,899$5,317,098▲ $66,199
Other Assets Total$55,915$53,213▼ $2,702
Liabilities
Other Liabilities$4,656,416$4,723,049▲ $66,633
Accounts Payable and Accrued Expenses$9,971$8,885▼ $1,086
Total Liabilities$4,666,387$4,731,934▲ $65,547
Net Assets / Fund Balance
Total Net Assets Fund Balance$584,512$585,164▲ $652
Total Liabilities and Net Assets / Fund Balance$5,250,899$5,317,098▲ $66,199

Asset Categories

AssetBook ValueDepreciationBasis
Land$102,284-$102,284
Buildings$74,216$22,777$96,993
Equipment$1,414$73,787$75,201
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lynn GoldenManagerFT$77,248$5,021$82,269

Board Members and Trustees

NameTitle
Stephan MccallBoard Chairm
Judy BoltonBoard Member
Leto ZachariaBoard Vice P
Helen SmithCredit Comm
Ingrid HartCredit Comm
Walter E Gene BrowningCredit Comm
Cari BeasleySecretary
Cindy HarrisSupervisory
Hermilo JassoSupervisory
Joy ClaypooleSupervisory
Joyce McglameryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$195,040
Investment Income
$18,439
Other Revenue
$4,960
Change in Net Assets
$573
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$131,723
Salaries, Compensation, and Employee Benefits$86,143
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$75,448-$75,448
Office Expenses-$56,738-$56,738
Interest-$18,267-$18,267
Occupancy-$13,207-$13,207
All Other Expenses-$6,348-$6,348
Payroll Taxes-$6,113-$6,113
Conferences and Meetings-$4,479-$4,479
Other Expenses-$4,000-$4,000
Other Employee Benefits-$2,601-$2,601
Pension Plan Contributions-$1,981-$1,981
Total Functional Expenses$0$217,866$0$217,866
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$3,121,667
All Other Shares$1,318,732
Share Drafts$282,650
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 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

EIN
62-6081645
Phone
4234792168

Signing Officer

Name
Lynn Golden
Title
Manager
Phone
4234792168
Signed
2014-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lynn Golden
Formed
1967
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
11

Preparer

Preparer
Keith 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 trade or business income.”

Form 990, Part XI, Line 9

“MEMBERSHIP FEES 79”

Form 990, Part XII

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

Raw XML Appendix392 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt09971
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt08885
IRS990/AccountsReceivableGrp/BOYAmt02575199
IRS990/AccountsReceivableGrp/EOYAmt02383494
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION-TO PROVIDE SERVICES FOR APPROXIMATELY 1,153 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt06348
IRS990/AllOtherExpensesGrp/TotalAmt06348
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0LYNN GOLDEN
IRS990/BooksInCareOfDetail/PhoneNum04234792168
IRS990/BooksInCareOfDetail/USAddress/AddressLine102751 COMMERCE DRIVE
IRS990/BooksInCareOfDetail/USAddress/City0CLEVELAND
IRS990/BooksInCareOfDetail/USAddress/State0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCode037320
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0177758
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0180753
IRS990/CashNonInterestBearingGrp/BOYAmt0336630
IRS990/CashNonInterestBearingGrp/EOYAmt0300371
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt04479
IRS990/ConferencesMeetingsGrp/TotalAmt04479
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt018439
IRS990/CYOtherExpensesAmt0131723
IRS990/CYOtherRevenueAmt04960
IRS990/CYProgramServiceRevenueAmt0195040
IRS990/CYRevenuesLessExpensesAmt0573
IRS990/CYSalariesCompEmpBnftPaidAmt086143
IRS990/CYTotalExpensesAmt0217866
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0218439
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0199599
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt75021
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/PersonNm0CARI BEASLEY
IRS990/Form990PartVIISectionAGrp/PersonNm1JUDY BOLTON
IRS990/Form990PartVIISectionAGrp/PersonNm2STEPHAN MCCALL
IRS990/Form990PartVIISectionAGrp/PersonNm3JOYCE MCGLAMERY
IRS990/Form990PartVIISectionAGrp/PersonNm4LETO ZACHARIA
IRS990/Form990PartVIISectionAGrp/PersonNm5WALTER E GENE BROWNING
IRS990/Form990PartVIISectionAGrp/PersonNm6JOY CLAYPOOLE
IRS990/Form990PartVIISectionAGrp/PersonNm7LYNN GOLDEN
IRS990/Form990PartVIISectionAGrp/PersonNm8CINDY HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm9INGRID HART
IRS990/Form990PartVIISectionAGrp/PersonNm10HERMILO JASSO
IRS990/Form990PartVIISectionAGrp/PersonNm11HELEN SMITH
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt777248
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD CHAIRM
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD VICE P
IRS990/Form990PartVIISectionAGrp/TitleTxt5CREDIT COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt6SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt9CREDIT COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt11CREDIT COMM
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01967
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0218439
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt018267
IRS990/InterestGrp/TotalAmt018267
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt018439
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt018439
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt038785
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt038785
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt096564
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0181295
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0177914
IRS990/LandBldgEquipCostOrOtherBssAmt0274478
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION-TO PROVIDE SERVICES FOR APPROXIMATELY 1,153 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0584512
IRS990/NetAssetsOrFundBalancesEOYAmt0585164
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt013207
IRS990/OccupancyGrp/TotalAmt013207
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt056738
IRS990/OfficeExpensesGrp/TotalAmt056738
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt055915
IRS990/OtherAssetsTotalGrp/EOYAmt053213
IRS990/OtherChangesInNetAssetsAmt079
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt02601
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02601
IRS990/OtherExpensesGrp/Desc0EXAMINATION FEES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc2PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc3NCUA STABILIZATION FUND
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt013945
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt110000
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt24739
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt34000
IRS990/OtherExpensesGrp/TotalAmt013945
IRS990/OtherExpensesGrp/TotalAmt110000
IRS990/OtherExpensesGrp/TotalAmt24739
IRS990/OtherExpensesGrp/TotalAmt34000
IRS990/OtherLiabilitiesGrp/BOYAmt04656416
IRS990/OtherLiabilitiesGrp/EOYAmt04723049
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt04960
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt04960
IRS990/OtherRevenueTotalAmt04960
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt075448
IRS990/OtherSalariesAndWagesGrp/TotalAmt075448
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt06113
IRS990/PayrollTaxesGrp/TotalAmt06113
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt01981
IRS990/PensionPlanContributionsGrp/TotalAmt01981
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt013593
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt014486
IRS990/PrincipalOfficerNm0LYNN GOLDEN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0167616
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt127424
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0167616
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt127424
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt018267
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt014996
IRS990/PYOtherExpensesAmt0144346
IRS990/PYOtherRevenueAmt05483
IRS990/PYProgramServiceRevenueAmt0215184
IRS990/PYRevenuesLessExpensesAmt0797
IRS990/PYSalariesCompEmpBnftPaidAmt090520
IRS990/PYTotalExpensesAmt0234866
IRS990/PYTotalRevenueAmt0235663
IRS990/ReconcilationRevenueExpnssAmt0573
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0406754
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0404411
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02049482
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02348835
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt074216
IRS990ScheduleD/BuildingsGrp/DepreciationAmt022777
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt096993
IRS990ScheduleD/EquipmentGrp/BookValueAmt01414
IRS990ScheduleD/EquipmentGrp/DepreciationAmt073787
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt075201
IRS990ScheduleD/LandGrp/BookValueAmt0102284
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0102284
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03121667
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11318732
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2282650
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0177914
IRS990ScheduleD/TotalLiabilityAmt04723049
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED TRADE OR 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 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/ExplanationTxt7MEMBERSHIP FEES 79
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/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05250899
IRS990/TotalAssetsEOYAmt05317098
IRS990/TotalAssetsGrp/BOYAmt05250899
IRS990/TotalAssetsGrp/EOYAmt05317098
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0217866
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0217866
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04666387
IRS990/TotalLiabilitiesEOYAmt04731934
IRS990/TotalLiabilitiesGrp/BOYAmt04666387
IRS990/TotalLiabilitiesGrp/EOYAmt04731934
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0584512
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0585164
IRS990/TotalOtherCompensationAmt05021
IRS990/TotalProgramServiceExpensesAmt0217866
IRS990/TotalProgramServiceRevenueAmt0195040
IRS990/TotalReportableCompFromOrgAmt077248
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0218439
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0218439
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05250899
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05317098
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102751 COMMERCE DRIVE
IRS990/USAddress/City0CLEVELAND
IRS990/USAddress/State0TN
IRS990/USAddress/ZIPCode037320
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.PATHWAYCREDIT.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LYNN GOLDEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04234792168
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10PATHWAY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PATH
ReturnHeader/Filer/EIN0626081645
ReturnHeader/Filer/PhoneNum04234792168
ReturnHeader/Filer/USAddress/AddressLine102751 COMMERCE DRIVE
ReturnHeader/Filer/USAddress/City0CLEVELAND
ReturnHeader/Filer/USAddress/State0TN
ReturnHeader/Filer/USAddress/ZIPCode037320
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine103773 COMMONWEALTH BLVD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0323033175
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH MCMURTRIE
ReturnHeader/ReturnTs02014-05-15T16:38:23-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,317,098
Liabilities
$4,731,934
Net assets
$585,164
Revenue
$218,439
Expenses
$217,866
Net income
$573
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$6.40$6.03$0.37$0.36$0.32$0.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.69$5.37$0.33$0.32$0.30$0.01
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.63$6.22$0.41$0.41$0.45$0.04
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.49$6.04$0.46$0.37$0.30$0.07
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.83$4.44$0.39$0.19$0.29$0.10
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.06$4.57$0.49$0.20$0.22$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.18$4.68$0.50$0.19$0.19$0.00
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.95$4.44$0.50$0.19$0.20$0.01
2015Detailed filing. Detailed filing data is available for this year.$4.89$4.37$0.51$0.19$0.21$0.02
2014Detailed filing. Detailed filing data is available for this year.$5.03$4.50$0.53$0.20$0.25$0.05
2013Detailed filing. Detailed filing data is available for this year.$5.32$4.73$0.59$0.22$0.22$0.00
2013Summary only. Only limited summary data is available for this year.$5.32$4.73$0.59$0.22$0.22$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.25$4.67$0.58$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.20$4.61$0.58$0.24
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.35$4.77$0.58$0.26