Civic Intelligence

Pathway Credit Union

990 • Fiscal year 2015 • EIN 62-6081645

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 04, 2016

Organization ProfileWWW.PATHWAYCREDIT.COM
2751 Commerce DriveCleveland, TN 37320

(423) 479-2168

Siviq Scores

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

Liabilities / Assets

84th percentile

0.90x

Higher debt load relative to assets than 84% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

73rd percentile

22.87x

Higher debt load relative to revenue than 73% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

21st percentile

-10%

Higher net margin than 21% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

71st percentile

$43,692

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 22.8% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

27th percentile

-2.9%

Faster asset growth than 27% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

35th percentile

-4.6%

Faster revenue growth than 35% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$4,886,921

Down $143,756 (-2.9%) from 2014

Net Assets

Down

$512,908

Down $19,313 (-3.6%) from 2014

Liabilities

Down

$4,374,013

Down $124,443 (-2.8%) from 2014

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin21st percentile

Revenue

Down

$191,269

Down $9,325 (-4.6%) from 2014

Expenses

Down

$210,582

Down $42,958 (-17%) from 2014

Net Income

Up

-$19,313

Up $33,633 (+64%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth27th 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 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

2015

Assets$4,886,921
Liabilities$4,374,013
Net Assets$512,908
Open 2015 Filing

Operations Trend

Revenue Growth35th percentile

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 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

2015

Revenue$191,269
Expenses$210,582
Net Income-$19,313
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 4, 2016
Return Version
2015v2.1
Gross Receipts
$191,269
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 financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$2,397,704$2,304,433▼ $93,271
Investments Other Securities$1,534,165$1,272,785▼ $261,380
Savings and Temporary Cash Investments$646,000$746,000▲ $100,000
Rtn Earn Endowment Incm Other Fnds$348,928$329,615▼ $19,313
Cash and Non-Interest-Bearing Accounts$191,663$311,841▲ $120,178
Land, Buildings, and Equipment, Net$191,420$185,343▼ $6,077
Cap Stk Tr Prin Current Funds$183,293$183,293→ $0
Prepaid Expenses and Deferred Charges$14,432$14,724▲ $292
Total Assets$5,030,677$4,886,921▼ $143,756
Other Assets Total$55,293$51,795▼ $3,498
Liabilities
Other Liabilities$4,488,174$4,365,535▼ $122,639
Accounts Payable and Accrued Expenses$10,282$8,478▼ $1,804
Total Liabilities$4,498,456$4,374,013▼ $124,443
Net Assets / Fund Balance
Total Net Assets Fund Balance$532,221$512,908▼ $19,313
Total Liabilities and Net Assets / Fund Balance$5,030,677$4,886,921▼ $143,756

Asset Categories

AssetBook ValueDepreciationBasis
Land$102,284-$102,284
Buildings$74,335$27,278$101,613
Equipment$8,724$71,869$80,593
Other Securities$38,785--
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lynn GoldenManagerFT$41,611$2,081$43,692

Board Members and Trustees

NameTitle
R Stephan MccallPresident
Hermilo JassoBoard Member
Carissa BeasleySecretary
Carrie RiceSupervisory
James CosseySupervisory
Mike LuithleSupervisory
Gene BrowningTreasurer
Leto ZachariaVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$164,655
Investment Income
$22,932
Other Revenue
$3,682
Change in Net Assets
$-19,313
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$126,808
Salaries, Compensation, and Employee Benefits$83,774
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$74,919-$74,919
Office Expenses-$73,418-$73,418
Interest-$13,665-$13,665
Occupancy-$12,655-$12,655
Payroll Taxes-$5,776-$5,776
Other Expenses-$4,326-$4,326
Conferences and Meetings-$2,608-$2,608
Pension Plan Contributions-$2,081-$2,081
All Other Expenses-$1,418-$1,418
Other Employee Benefits-$998-$998
Total Functional Expenses$0$210,582$0$210,582
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$3,217,545
All Other Shares$838,226
Share Drafts$309,764
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 reviewed by the manager. 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
Pathway Credit Union
EIN
62-6081645
Phone
4234792168
Address
2751 COMMERCE DRIVE, CLEVELAND, TN 37320

Signing Officer

Name
Lynn Golden
Title
Manager
Phone
4234792168
Signed
2016-04-04
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
4
Volunteers
8

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 XII

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

Raw XML Appendix364 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/EquipmentGrp/DepreciationAmt071869
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt080593
IRS990ScheduleD/LandGrp/BookValueAmt0102284
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0102284
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03217545
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1838226
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2309764
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01234000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt138785
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1VCCU-PAID-IN CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0185343
IRS990ScheduleD/TotalBookValueSecuritiesAmt01272785
IRS990ScheduleD/TotalLiabilityAmt04365535
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 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 REVIEWED BY THE MANAGER. 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/ExplanationTxt7ANNUAL 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 XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05030677
IRS990/TotalAssetsEOYAmt04886921
IRS990/TotalAssetsGrp/BOYAmt05030677
IRS990/TotalAssetsGrp/EOYAmt04886921
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0210582
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0210582
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04498456
IRS990/TotalLiabilitiesEOYAmt04374013
IRS990/TotalLiabilitiesGrp/BOYAmt04498456
IRS990/TotalLiabilitiesGrp/EOYAmt04374013
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0532221
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0512908
IRS990/TotalOtherCompensationAmt02081
IRS990/TotalProgramServiceExpensesAmt0210582
IRS990/TotalProgramServiceRevenueAmt0164655
IRS990/TotalReportableCompFromOrgAmt041611
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0191269
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0191269
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05030677
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04886921
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0163 GIEGER RD NE
IRS990/USAddress/CityNm0CLEVELAND
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037312
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.PATHWAYCREDIT.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LYNN GOLDEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04234792168
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PATHWAY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PATH
ReturnHeader/Filer/EIN0626081645
ReturnHeader/Filer/PhoneNum04234792168
ReturnHeader/Filer/USAddress/AddressLine1Txt02751 COMMERCE DRIVE
ReturnHeader/Filer/USAddress/CityNm0CLEVELAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037320
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/PreparationDt02016-04-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH T MCMURTRIE
ReturnHeader/ReturnTs02016-04-08T14:11:22-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$4,886,921
Liabilities
$4,374,013
Net assets
$512,908
Revenue
$191,269
Expenses
$210,582
Net income
-$19,313
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
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $1M-$5M nonprofits