Civic Intelligence

Chemco Credit Union

EIN 63-0381523 • 501(c)14 • Mc Intosh, AL

Profile

LOANS TO MEMBERS

1638 Industrial RdMc Intosh, AL 36553
Siviq Scores

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

Liabilities / Assets

46th percentile

0.80x

Higher debt load relative to assets than 46% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

58th percentile

14.22x

Higher debt load relative to revenue than 58% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

96th percentile

37%

Higher net margin than 96% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

58th percentile

-3.8%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

73rd percentile

11%

Faster revenue growth than 73% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets46th percentile

Assets

Down

$4,884,459

Down $192,286 (-3.8%) from 2023

Liabilities

Down

$3,927,989

Down $294,586 (-7.0%) from 2023

Net Assets

Up

$956,470

Up $102,300 (+12%) from 2023

Operations
Liabilities / Revenue58th percentileNet Margin96th percentile

Revenue

Up

$276,212

Up $27,509 (+11%) from 2023

Expenses

Down

$173,912

Down $38,985 (-18%) from 2023

Net Income

Up

$102,300

Up $66,494 (+186%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,538,099Liabilities 2010: $3,825,985Net Assets 2010: $712,1142010Assets 2011: $4,625,936Liabilities 2011: $3,851,567Net Assets 2011: $774,3692011Assets 2012: $4,808,154Liabilities 2012: $3,987,448Net Assets 2012: $820,7062012Assets 2013: $5,215,935Liabilities 2013: $4,378,547Net Assets 2013: $837,3882013Assets 2014: $5,538,382Liabilities 2014: $4,701,244Net Assets 2014: $837,1382014Assets 2015: $5,607,101Liabilities 2015: $4,866,717Net Assets 2015: $740,3842015Assets 2016: $5,078,351Liabilities 2016: $4,345,080Net Assets 2016: $733,2712016Assets 2017: $5,054,891Liabilities 2017: $4,288,768Net Assets 2017: $766,1232017Assets 2018: $5,112,391Liabilities 2018: $4,325,533Net Assets 2018: $786,8582018Assets 2019: $4,438,551Liabilities 2019: $3,622,037Net Assets 2019: $816,5142019Assets 2020: $5,299,562Liabilities 2020: $4,490,690Net Assets 2020: $808,8722020Assets 2021: $5,537,215Liabilities 2021: $4,736,260Net Assets 2021: $800,9552021Assets 2022: $5,809,043Liabilities 2022: $4,990,679Net Assets 2022: $818,3642022Assets 2023: $5,076,745Liabilities 2023: $4,222,575Net Assets 2023: $854,1702023Assets 2024: $4,884,459Liabilities 2024: $3,927,989Net Assets 2024: $956,4702024

Highlighted filing

2024

Assets$4,884,459
Liabilities$3,927,989
Net Assets$956,470
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $169,2472010Revenue 2011: $200,425Expenses 2011: $138,170Net Income 2011: $62,2552011Expenses 2012: $159,1292012Revenue 2013: $187,220Expenses 2013: $166,590Net Income 2013: $20,6302013Revenue 2014: $195,051Expenses 2014: $195,301Net Income 2014: -$2502014Revenue 2015: $155,971Expenses 2015: $252,725Net Income 2015: -$96,7542015Revenue 2016: $153,436Expenses 2016: $160,549Net Income 2016: -$7,1132016Revenue 2017: $157,455Expenses 2017: $124,603Net Income 2017: $32,8522017Revenue 2018: $175,664Expenses 2018: $154,929Net Income 2018: $20,7352018Revenue 2019: $177,383Expenses 2019: $147,726Net Income 2019: $29,6572019Revenue 2020: $156,690Expenses 2020: $164,332Net Income 2020: -$7,6422020Revenue 2021: $152,298Expenses 2021: $158,716Net Income 2021: -$6,4182021Revenue 2022: $184,092Expenses 2022: $166,683Net Income 2022: $17,4092022Revenue 2023: $248,703Expenses 2023: $212,897Net Income 2023: $35,8062023Revenue 2024: $276,212Expenses 2024: $173,912Net Income 2024: $102,3002024

Highlighted filing

2024

Revenue$276,212
Expenses$173,912
Net Income$102,300
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$4,884,459
Liabilities
$3,927,989
Net assets
$956,470
Revenue
$276,212
Expenses
$173,912
Net income
$102,300
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.88$3.93$0.96$0.28$0.17$0.10
2023Summary only. Only limited summary data is available for this year.$5.08$4.22$0.85$0.25$0.21$0.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.81$4.99$0.82$0.18$0.17$0.02
2021Summary only. Only limited summary data is available for this year.$5.54$4.74$0.80$0.15$0.16$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.30$4.49$0.81$0.16$0.16$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.44$3.62$0.82$0.18$0.15$0.03
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.11$4.33$0.79$0.18$0.15$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.05$4.29$0.77$0.16$0.12$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.08$4.35$0.73$0.15$0.16$0.01
2015Detailed filing. Detailed filing data is available for this year.$5.61$4.87$0.74$0.16$0.25$0.10
2014Detailed filing. Detailed filing data is available for this year.$5.54$4.70$0.84$0.20$0.20$0.00
2013Summary only. Only limited summary data is available for this year.$5.22$4.38$0.84$0.19$0.17$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.81$3.99$0.82$0.16
2011Summary only. Only limited summary data is available for this year.$4.63$3.85$0.77$0.20$0.14$0.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.54$3.83$0.71$0.17
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 3, 2023
Return Version
2022v5.0
Gross Receipts
$184,092
Mission and Program Overview

Mission

LOANS TO MEMBERS

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,239,117$1,790,542▲ $551,425
Savings and Temporary Cash Investments$920,000$920,000→ $0
Total Assets$5,537,215$5,809,043▲ $271,828
Other Assets Total$3,378,098$3,098,501▼ $279,597
Liabilities
Other Liabilities$4,734,855$4,989,784▲ $254,929
Accounts Payable and Accrued Expenses$1,405$895▼ $510
Total Liabilities$4,736,260$4,990,679▲ $254,419
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$800,955$818,364▲ $17,409
Total Net Assets Fund Balance$800,955$818,364▲ $17,409
Total Liabilities and Net Assets / Fund Balance$5,537,215$5,809,043▲ $271,828

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$9,937--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Herbert HowardChairperson
TaylorSupervisory Chairperson
Charles HicksVice Chairperson
Maurice BishopBoard Member
Otis NewburnBoard Member
Rhond GoldmanManager
Dana DickeySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$184,092
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$17,409
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$83,375
Other Expenses$83,308
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$83,375--$83,375
All Other Expenses$34,779--$34,779
Other Expenses$6,826--$6,826
Insurance$400--$400
Total Functional Expenses$166,683$0$0$166,683
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$4,989,784
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
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“All member are in the same class and elect officers and board of directors”

Member election for additional members Part VI line 7A

“Members elect officers and board of directors”

Form 990 governing body review Part VI line 11

“Board reviewed 990 after filing... Information taken from 5300 report”

Governing documents etc available to public Part VI line 19

“Financial statements posted in credit union office”

Filing and Contact Details

Filer

Filer Name
Chemco Credit Union
EIN
63-0381523
Address
1638 INDUSTRIAL RD, MC INTOSH, AL 36553

Signing Officer

Name
Rhonda Goldman
Title
Treasurer
Phone
2519443297
Signed
2023-08-03
Discuss with paid preparer
Yes

Organization Details

Formed
1953
Legal Domicile
Al
Voting Board Members
7
Independent Board Members
7
Employees
2

Preparer

Firm
Thomas a George CPA
Address
5617 SETTER RD, Theodore, AL 36582
Preparer
Thomas a George
Phone
2516538237
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Core processor data base error correction.”

List of other expenses Part IX line 24E

“Ach expense 857annual meeting expense 1,085communications 1,160examination fee 10,357legal fees 4,588miscellaneous expense 1,204office operations 7,700provision for loan loss -1,935stationary and supplies 45total 25,061”

Raw XML Appendix318 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
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IRS990/CashNonInterestBearingGrp/BOYAmt01239117
IRS990/CashNonInterestBearingGrp/EOYAmt01790542
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt083308
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0184092
IRS990/CYRevenuesLessExpensesAmt017409
IRS990/CYSalariesCompEmpBnftPaidAmt083375
IRS990/CYTotalExpensesAmt0166683
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0184092
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0129 LOANS GRANTED IN 2021
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0166683
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0OTIS NEWBURN
IRS990/Form990PartVIISectionAGrp/PersonNm1MAURICE BISHOP
IRS990/Form990PartVIISectionAGrp/PersonNm2TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm3DANA DICKEY
IRS990/Form990PartVIISectionAGrp/PersonNm4HERBERT HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm5CHARLES HICKS
IRS990/Form990PartVIISectionAGrp/PersonNm6RHOND GOLDMAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2SUPERVISORY CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6MANAGER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0184092
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ProgramServicesAmt0400
IRS990/InsuranceGrp/TotalAmt0400
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0AL
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0LOANS TO MEMBERS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0800955
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IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
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IRS990/OtherExpensesGrp/Desc0CASUALTY INSURANCE
IRS990/OtherExpensesGrp/Desc1DIVIDENDS
IRS990/OtherExpensesGrp/Desc2OUTSIDE DATA PROCESSORS
IRS990/OtherExpensesGrp/Desc3BANK CHARGES
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IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ALLOWANCE FOR LOAN LOSSES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUSIF
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3PREPAID EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04989784
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL MEMBER ARE IN THE SAME CLASS AND ELECT OFFICERS AND BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT OFFICERS AND BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD REVIEWED 990 AFTER FILING... INFORMATION TAKEN FROM 5300 REPORT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FINANCIAL STATEMENTS POSTED IN CREDIT UNION OFFICE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CORE PROCESSOR DATA BASE ERROR CORRECTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ACH EXPENSE 857ANNUAL MEETING EXPENSE 1,085COMMUNICATIONS 1,160EXAMINATION FEE 10,357LEGAL FEES 4,588MISCELLANEOUS EXPENSE 1,204OFFICE OPERATIONS 7,700PROVISION FOR LOAN LOSS -1,935STATIONARY AND SUPPLIES 45TOTAL 25,061
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Explanation of other changes in net assets or fund balances Part XI line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5List of other expenses Part IX line 24e
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ReturnHeader/BuildTS02023-04-26 12:10:37Z
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ReturnHeader/BusinessOfficerGrp/SignatureDt02023-08-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHEMCO CREDIT UNION
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0THOMAS A GEORGE CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05617 SETTER RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Theodore
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ReturnHeader/PreparerPersonGrp/PhoneNum02516538237
ReturnHeader/PreparerPersonGrp/PreparationDt02023-08-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THOMAS A GEORGE
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ReturnHeader/ReturnTs02023-08-03T17:32:08-04:00
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ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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