Civic Intelligence

Columbus Municipal Credit Union

EIN 64-0410704 • 501(c)14 • Columbus, MS

Profile

To help our members provide a better quality of life for themselves by helping them meet their financial needs.

PO Box 1444Columbus, MS 39703

www.cmcreditunion.com

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.83x

Higher debt load relative to assets than 32% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

70th percentile

19.08x

Higher debt load relative to revenue than 70% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

43rd percentile

4.8%

Higher net margin than 43% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

24th percentile

$54,469

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 11.5% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

41st percentile

-1.4%

Faster asset growth than 41% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

35th percentile

2.2%

Faster revenue growth than 35% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$10,980,473

Down $161,166 (-1.4%) from 2016

Liabilities

Down

$9,059,760

Down $183,923 (-2.0%) from 2016

Net Assets

Up

$1,920,713

Up $22,757 (+1.2%) from 2016

Operations
Liabilities / Revenue70th percentileNet Margin43rd percentile

Revenue

Up

$474,789

Up $10,257 (+2.2%) from 2016

Expenses

Down

$452,032

Down $5,774 (-1.3%) from 2016

Net Income

Up

$22,757

Up $16,031 (+238%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth41st percentile

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

$15M$10M$5.0M$0Assets 2011: $9,504,190Liabilities 2011: $7,675,518Net Assets 2011: $1,828,6722011Assets 2012: $10,751,600Liabilities 2012: $8,830,156Net Assets 2012: $1,921,4442012Assets 2013: $10,447,047Liabilities 2013: $8,519,065Net Assets 2013: $1,927,9822013Assets 2014: $10,668,250Liabilities 2014: $8,763,450Net Assets 2014: $1,904,8002014Assets 2015: $11,533,464Liabilities 2015: $9,642,234Net Assets 2015: $1,891,2302015Assets 2016: $11,141,639Liabilities 2016: $9,243,683Net Assets 2016: $1,897,9562016Assets 2017: $10,980,473Liabilities 2017: $9,059,760Net Assets 2017: $1,920,7132017

Highlighted filing

2017

Assets$10,980,473
Liabilities$9,059,760
Net Assets$1,920,713
Open 2017 Filing

Operations Trend

Revenue Growth35th percentile

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

$600K$400K$200K$0-$200KRevenue 2011: $554,542Expenses 2011: $517,495Net Income 2011: $37,0472011Expenses 2012: $510,2932012Revenue 2013: $531,495Expenses 2013: $524,957Net Income 2013: $6,5382013Revenue 2014: $470,091Expenses 2014: $493,273Net Income 2014: -$23,1822014Revenue 2015: $440,938Expenses 2015: $454,508Net Income 2015: -$13,5702015Revenue 2016: $464,532Expenses 2016: $457,806Net Income 2016: $6,7262016Revenue 2017: $474,789Expenses 2017: $452,032Net Income 2017: $22,7572017

Highlighted filing

2017

Revenue$474,789
Expenses$452,032
Net Income$22,757
Open 2017 Filing

Filings

Most recent year

2017 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$10,980,473
Liabilities
$9,059,760
Net assets
$1,920,713
Revenue
$474,789
Expenses
$452,032
Net income
$22,757
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Summary only. Only limited summary data is available for this year.$11.0$9.06$1.92$0.47$0.45$0.02
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.1$9.24$1.90$0.46$0.46$0.01
2015Detailed filing. Detailed filing data is available for this year.$11.5$9.64$1.89$0.44$0.45$0.01
2014Detailed filing. Detailed filing data is available for this year.$10.7$8.76$1.90$0.47$0.49$0.02
2013Detailed filing. Detailed filing data is available for this year.$10.4$8.52$1.93$0.53$0.52$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$8.83$1.92$0.51
2011Summary only. Only limited summary data is available for this year.$9.50$7.68$1.83$0.55$0.52$0.04
Latest Detailed Filing

The latest 2017 filing currently has summary financial data only. Showing the latest detailed filing from 2016 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 4, 2017
Return Version
2016v3.0
Gross Receipts
$464,532
Mission and Program Overview

Mission

To help our members provide a better quality of life for themselves by helping them meet their financial needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,280,038$5,085,505▲ $805,467
Savings and Temporary Cash Investments$6,216,901$5,067,634▼ $1,149,267
Rtn Earn Endowment Incm Other Fnds$1,644,684$1,651,410▲ $6,726
Cash and Non-Interest-Bearing Accounts$621,427$585,317▼ $36,110
Land, Buildings, and Equipment, Net$257,748$247,105▼ $10,643
Pd in Cap Srpls Land Bldg Eqp Fund$246,546$246,546→ $0
Investments Other Securities$87,502$96,168▲ $8,666
Prepaid Expenses and Deferred Charges$40,829$31,482▼ $9,347
Total Assets$11,533,464$11,141,639▼ $391,825
Other Assets Total$29,019$28,428▼ $591
Liabilities
Other Liabilities$9,615,990$9,220,760▼ $395,230
Accounts Payable and Accrued Expenses$26,244$22,923▼ $3,321
Total Liabilities$9,642,234$9,243,683▼ $398,551
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,891,230$1,897,956▲ $6,726
Total Liabilities and Net Assets / Fund Balance$11,533,464$11,141,639▼ $391,825

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$121,588$133,157$254,745
Equipment$24,375$98,638$123,013
Land$95,100-$95,100
Other Land Buildings$6,042$35,006$41,048
Other Assets Org$28,428--
Other Securities$96,168--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Gwenda AldridgeManagerFT$58,099$58,099

Board Members and Trustees

NameTitle
Dale HallBoard President
David MontgomeryBoard Vice President
Bob DuncanBoard Member
Ron MusgroveBoard Member
Todd GrahamBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$398,039
Investment Income
$66,097
Other Revenue
$396
Change in Net Assets
$6,726

Audited Revenue Reconciliation

Revenue per Audited Statements
$464,532
Total Revenue per Audited Statements
$464,532
Total Revenue per Form 990
$464,532
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$300,152
Salaries, Compensation, and Employee Benefits$157,654
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$86,361
Office Expenses---$85,780
Information Technology---$63,006
Current Officers, Directors, Trustees, and Key Employees---$56,299
Occupancy---$39,275
Depreciation Depletion---$22,687
Payroll Taxes---$11,502
Other Expenses$7,924--$7,924
Conferences and Meetings---$7,000
Pension Plan Contributions---$3,492
All Other Expenses---$1,852
Advertising---$1,757
Travel---$663
Total Functional Expenses$0$0$0$457,806

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$457,806
Total Expenses per Audited Statements$457,806
Total Expenses per Form 990$457,806
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
Share Deposits$9,220,760
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The Credit Union is a cooperative owned by its members.”

Member election for additional members Part VI line 7A

“The members of the Board of Directors are elected by the existing membership from the membership.”

Governing body decisions Part VI line 7B

“Members must approve any decision to discontinue operation of the credit union through merger or closure.”

Form 990 governing body review Part VI line 11

“CPA firm hired to prepare Form 990. Management reviews 990 prior to filing.”

CEO executive director top management comp Part VI line 15A

“A salary survey conducted and supplied by the Mississippi Credit Union Association is used by the Board of Directors in making the decision.”

Other officer or key employee compensation Part VI line 15B

“A salary survey conducted and supplied by the Mississippi Credit Union Association is used by the Board of Directors in making the decision.”

Governing documents etc available to public Part VI line 19

“The Credit Unions governing documents, conflict of interest policy, and financial statements are available to members by request at the credit union office.”

Filing and Contact Details

Filer

Filer Name
Columbus Municipal Credit Union
EIN
64-0410704
Address
PO Box 1444, Columbus, MS 39703

Signing Officer

Name
Gwenda Aldridge
Title
Manager
Phone
6623273030
Signed
2017-05-04
Discuss with paid preparer
Yes

Organization Details

Formed
1961
Legal Domicile
Ms
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
10

Preparer

Firm
Griffin & Company LLC
Address
P O Box 983, Mandeville, LA 70470
Preparer
Stephen M Griffin CPA
Phone
9857279924
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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/OtherAssetsOrgGrp/Desc0Accrued Loan Interest
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt06042
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt035006
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt041048
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09220760
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Share Deposits
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt096168
IRS990ScheduleD/OtherSecuritiesGrp/Desc0EOY - Investments - other securitie
IRS990ScheduleD/RevenueSubtotalAmt0464532
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0247105
IRS990ScheduleD/TotalBookValueOtherAssetsAmt028428
IRS990ScheduleD/TotalBookValueSecuritiesAmt096168
IRS990ScheduleD/TotalExpensesPerForm990Amt0457806
IRS990ScheduleD/TotalLiabilityAmt09220760
IRS990ScheduleD/TotalRevenuePerForm990Amt0464532
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0464532
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0457806
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union is a cooperative owned by its members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members of the Board of Directors are elected by the existing membership from the membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members must approve any decision to discontinue operation of the credit union through merger or closure.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CPA firm hired to prepare Form 990. Management reviews 990 prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A salary survey conducted and supplied by the Mississippi Credit Union Association is used by the Board of Directors in making the decision.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A salary survey conducted and supplied by the Mississippi Credit Union Association is used by the Board of Directors in making the decision.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The Credit Unions governing documents, conflict of interest policy, and financial statements are available to members by request at the credit union office.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MS
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt011533464
IRS990/TotalAssetsEOYAmt011141639
IRS990/TotalAssetsGrp/BOYAmt011533464
IRS990/TotalAssetsGrp/EOYAmt011141639
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0457806
IRS990/TotalGrossUBIAmt0171
IRS990/TotalLiabilitiesBOYAmt09642234
IRS990/TotalLiabilitiesEOYAmt09243683
IRS990/TotalLiabilitiesGrp/BOYAmt09642234
IRS990/TotalLiabilitiesGrp/EOYAmt09243683
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01891230
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01897956
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0457806
IRS990/TotalProgramServiceRevenueAmt0398039
IRS990/TotalReportableCompFromOrgAmt058099
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0464361
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0464532
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0171
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011533464
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011141639
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0663
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.cmcreditunion.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Gwenda Aldridge
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06623273030
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Columbus Municipal Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0COLU
ReturnHeader/Filer/EIN0640410704
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 1444
ReturnHeader/Filer/USAddress/CityNm0Columbus
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MS
ReturnHeader/Filer/USAddress/ZIPCd039703
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F57AAD2E6B9BC6F6E3550801FE7667E23BA36E10
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F57AAD2E6B9BC6F6E3550801FE7667E23BA36E10
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId0726885201715055ysuvq
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-05-30
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.89.250.18
ReturnHeader/FilingSecurityInformation/IPDt02017-05-30
ReturnHeader/FilingSecurityInformation/IPTm017:58:40
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0721506949
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Griffin & Company LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O Box 983
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Mandeville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0LA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd070470
ReturnHeader/PreparerPersonGrp/PhoneNum09857279924
ReturnHeader/PreparerPersonGrp/PreparationDt02017-05-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Stephen M Griffin CPA
ReturnHeader/ReturnTs02017-05-24T09:12:00-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

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