Civic Intelligence

Chemco Credit Union

990 • Fiscal year 2014 • EIN 63-0381523

Jan 01, 2014 to Dec 31, 2014 • Filed on Jul 11, 2015

Organization Profile
P O Box 28Mc Intosh, AL 36553

(251) 944-3297

Siviq Scores

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

Liabilities / Assets

44th percentile

0.85x

Higher debt load relative to assets than 44% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

72nd percentile

24.10x

Higher debt load relative to revenue than 72% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Net Margin

32nd percentile

-0.1%

Higher net margin than 32% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

44th percentile

$48,241

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 24.7% of source-year revenue.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Asset Growth

85th percentile

6.2%

Faster asset growth than 85% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Revenue Growth

82nd percentile

4.2%

Faster revenue growth than 82% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$5,538,382

Up $322,447 (+6.2%) from 2013

Net Assets

Down

$837,138

Down $250 (-0.0%) from 2013

Liabilities

Up

$4,701,244

Up $322,697 (+7.4%) from 2013

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin32nd percentile

Revenue

Up

$195,051

Up $7,831 (+4.2%) from 2013

Expenses

Up

$195,301

Up $28,711 (+17%) from 2013

Net Income

Down

-$250

Down $20,880 (-101%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

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

$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

2014

Assets$5,538,382
Liabilities$4,701,244
Net Assets$837,138
Open 2014 Filing

Operations Trend

Revenue Growth82nd percentile

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$195,051
Expenses$195,301
Net Income-$250
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jul 11, 2015
Return Version
2014v5.0
Gross Receipts
$195,051
Mission and Program Overview

Mission

LOANS TO MEMBERS

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,546,689$2,955,894▲ $409,205
Cash and Non-Interest-Bearing Accounts$199,290$219,805▲ $20,515
Total Assets$5,215,935$5,538,382▲ $322,447
Other Assets Total$2,469,956$2,362,683▼ $107,273
Liabilities
Other Liabilities$4,362,869$4,699,175▲ $336,306
Accounts Payable and Accrued Expenses$15,678$2,069▼ $13,609
Total Liabilities$4,378,547$4,701,244▲ $322,697
Net Assets / Fund Balance
Unrestricted Net Assets$837,388$837,138▼ $250
Total Net Assets Fund Balance$837,388$837,138▼ $250
Total Liabilities and Net Assets / Fund Balance$5,215,935$5,538,382▲ $322,447

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$4,452--
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lynn ParnellManagerFT$48,241$48,241

Board Members and Trustees

NameTitle
James RyleeChairperson
Susan BroadheadSupervisory Chairperson
Rosetta FosterVice Chairperson
Otis NewburnBoard Member
Tony DaughertyBoard Member
Danny GrimesSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$191,755
Investment Income
$3,296
Other Revenue
$0
Change in Net Assets
$-250
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$122,754
Salaries, Compensation, and Employee Benefits$72,547
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$48,241--$48,241
All Other Expenses$36,078--$36,078
Other Expenses$29,996--$29,996
Other Salaries and Wages$17,326--$17,326
Payroll Taxes$6,980--$6,980
Total Functional Expenses$195,301$0$0$195,301
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$4,699,175
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
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
P O BOX 28, MC INTOSH, AL 36553

Signing Officer

Name
Lynn Parnell
Title
Treasurer
Phone
2519443297
Signed
2015-07-11
Discuss with paid preparer
Yes

Organization Details

Formed
1953
Legal Domicile
Al
Voting Board Members
12
Independent Board Members
0
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

List of other expenses Part IX line 24E

“Ncua fee 8014member insurance 12930miscellaneous 3472office operation 11662”

Raw XML Appendix302 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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ReturnHeader/Filer/BusinessNameControlTxt0CHEM
ReturnHeader/Filer/EIN0630381523
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O BOX 28
ReturnHeader/Filer/USAddress/CityNm0MC INTOSH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AL
ReturnHeader/Filer/USAddress/ZIPCd036553
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0630894516
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0THOMAS A GEORGE CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05617 SETTER RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Theodore
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd036582
ReturnHeader/PreparerPersonGrp/PhoneNum02516538237
ReturnHeader/PreparerPersonGrp/PreparationDt02015-07-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THOMAS A GEORGE
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-07-11T15:47:27-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$5,538,382
Liabilities
$4,701,244
Net assets
$837,138
Revenue
$195,051
Expenses
$195,301
Net income
-$250
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2014 filings • 501(c)14 • $5M-$10M nonprofits