Civic Intelligence

Pathway Credit Union

990 • Fiscal year 2019 • EIN 62-6081645

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 10, 2020

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

95th percentile

0.92x

Higher debt load relative to assets than 95% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

84th percentile

22.92x

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

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

4th percentile

-51%

Higher net margin than 4% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

52nd percentile

$27,597

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 14.2% of source-year revenue.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

31st percentile

-4.4%

Faster asset growth than 31% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

20th percentile

-5.0%

Faster revenue growth than 20% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$4,834,229

Down $223,923 (-4.4%) from 2018

Net Assets

Down

$390,166

Down $98,062 (-20%) from 2018

Liabilities

Down

$4,444,063

Down $125,861 (-2.8%) from 2018

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin4th percentile

Revenue

Down

$193,896

Down $10,157 (-5.0%) from 2018

Expenses

Up

$291,958

Up $71,361 (+32%) from 2018

Net Income

Down

-$98,062

Down $81,518 (-493%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth31st 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

2019

Assets$4,834,229
Liabilities$4,444,063
Net Assets$390,166
Open 2019 Filing

Operations Trend

Revenue Growth20th 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

2019

Revenue$193,896
Expenses$291,958
Net Income-$98,062
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 10, 2020
Return Version
2019v5.0
Gross Receipts
$193,896
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$2,896,631$2,997,954▲ $101,323
Savings and Temporary Cash Investments$1,196,000$942,000▼ $254,000
Cash and Non-Interest-Bearing Accounts$594,240$628,391▲ $34,151
Rtn Earn Endowment Incm Other Fnds$304,936$206,873▼ $98,063
Cap Stk Tr Prin Current Funds$183,292$183,293▲ $1
Land, Buildings, and Equipment, Net$172,257$169,137▼ $3,120
Investments Other Securities$138,785$38,785▼ $100,000
Prepaid Expenses and Deferred Charges$7,748$7,935▲ $187
Total Assets$5,058,152$4,834,229▼ $223,923
Other Assets Total$52,491$50,027▼ $2,464
Liabilities
Other Liabilities$4,554,932$4,419,383▼ $135,549
Accounts Payable and Accrued Expenses$14,992$24,680▲ $9,688
Total Liabilities$4,569,924$4,444,063▼ $125,861
Net Assets / Fund Balance
Total Net Assets Fund Balance$488,228$390,166▼ $98,062
Total Liabilities and Net Assets / Fund Balance$5,058,152$4,834,229▼ $223,923

Asset Categories

AssetBook ValueDepreciationBasis
Land$102,284-$102,284
Buildings$64,822$36,827$101,649
Equipment$2,031$83,561$85,592
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Daniel LloydAsst. ManageFT$26,747$850$27,597
Mark S RiceManager/CEOFT$5,517$496$6,013

Board Members and Trustees

NameTitle
R Stephan MccallPresident
Carrie RiceAudit COM Me
Caleb PeacockAudit Comm M
Mike LuithleAudit Comm M
Carissa BeasleySecretary
Gene BrowningTreasurer
Leto ZachariaVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$168,300
Investment Income
$22,077
Other Revenue
$3,519
Change in Net Assets
$-98,062
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$190,333
Salaries, Compensation, and Employee Benefits$101,625
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses-$86,250-$86,250
Other Salaries and Wages-$85,762-$85,762
Interest-$14,022-$14,022
Occupancy-$13,605-$13,605
Payroll Taxes-$12,221-$12,221
Other Expenses-$6,000-$6,000
Pension Plan Contributions-$3,642-$3,642
Conferences and Meetings-$2,606-$2,606
All Other Expenses-$1,070-$1,070
Total Functional Expenses$0$291,958$0$291,958
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$3,423,887
All Other Shares$545,137
Share Drafts$450,359
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Mark S Rice
Title
Manager/CEO
Phone
4234792168
Signed
2020-04-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mark S Rice
Formed
1967
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
7

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Hiram H Hollifield
Phone
2054372176
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 audit 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 Appendix374 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/DepreciationAmt083561
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt085592
IRS990ScheduleD/LandGrp/BookValueAmt0102284
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1545137
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2450359
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
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IRS990ScheduleD/TotalLiabilityAmt04419383
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND AUDIT 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
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0291958
IRS990/TotalGrossUBIAmt00
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IRS990/TotalProgramServiceRevenueAmt0168300
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0193896
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O BOX 2035
IRS990/USAddress/CityNm0CLEVELAND
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IRS990/USAddress/ZIPCd0373202035
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.PATHWAYCREDIT.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MARK S RICE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04234792168
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-04-10
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
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId01B6CA9BC541401F502F85CA471909F6687E41DBE
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId01B6CA9BC541401F502F85CA471909F6687E41DBE
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt065.115.143.126
ReturnHeader/FilingSecurityInformation/IPDt02020-04-16
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:09:44
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02020-04-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HIRAM H HOLLIFIELD
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-04-16T10:09:44-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,834,229
Liabilities
$4,444,063
Net assets
$390,166
Revenue
$193,896
Expenses
$291,958
Net income
-$98,062
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
2019Detailed filing. Detailed filing data is available for this year.$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. 2019 filings • 501(c)14 • $1M-$5M nonprofits